BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-03
Company: Experian Information Solutions Inc.
State: PA
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:
In XX/XX/XXXX I initiated a dispute with Experian in regards to a bankruptcy that is listed on my credit report. OnXX/XX/XXXX Experian responded that the information in regards to this bankruptcy was accurate. On XX/XX/XXXX I wrote a letter to Experian requesting what method of verification they used to determine their accuracy. On XX/XX/XXXX I received a response from Experian stating that I should refer to my personal credit report for the furnisher or public records office name, address and phone number. The only entity that was listed was the Bankruptcy court. On XX/XX/XXXX I sent a letter to Experian explaining that I talked to the clerk of courts and he informed me that the court does not provide information to the credit bureaus. I asked Experian once again for their method of verification. I received a response from Experian dated XX/XX/XXXX and once again I was not provided with their method of verification. According to FCRA I am entitled to a description of the procedure used to determine the accuracy and completeness of the information and be provided by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. NONE of this was provided after two separate requests. I have attached a correspondences.

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 2019-12-20
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I got a payday loan from cash net USA and they been debiting money out of my bank left and right after I just paid them the full money back to them that I owed which they said I still owe them money which I have my bank statements to prove Ive paid them back. they did not want to transfer me to a supervisor they did not want to do anything about the situation and on top of that my bank closed my account from being negative for several months because of the loaning agency And Im on XXXX because of them. They were very rude not helpful at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
During the pandemic we lost our jobs, Vanderbilt has refused to help in any way available. Last year they paid my property tax without my permission as I do not have an escrow account and that has always been my personal responsibility. They demanded that in full at first then divided it to add to monthly payments. My payments have been applied to late fees first etc. all of the extra added expenses they have put on my account is impossible to catch up on. I asked for a forbarence twice with a denial both times because of no job yet. They filed foreclosure and immediately sent an eviction notice before the court date! I never took out a loan with Vanderbilt to begin with, they assumed my loan from a different company so they should have had all my contact information but instead started calling my neighbors telling them Im late on my mortgage and please tell them to contact us! Thats none of my neighbors business. They make up their rules as they go which is illegal and fraud. I would appreciate it if this company can be investigated as Im sure Im not the only one that has been financially abused by this company

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 2023-03-14
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have been using Venmo for years off an on. My friend sent me money as a favor and when I attempted to withdraw the money it stated that I was unable to do so due to my account being frozen. I attempted to contact their support team and they stated that I would need to send in a photo of my ID to verify my identity. After doing so I was informed that my account had been permanently closed and that I would no longer be allowed to use their products or services. No additional details were given nor has any sort of refund been issued. I now have {$360.00} missing and they stated they *might* attempt to give the money back to me after 180 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
American Express Serve card has been in a total system outage for over 12 hours.Members cannot access their account information nor use the Card for purchases.Off-shore customer service reps are rude and non-responsive - refusing to answer questions, and often times outright hanging up the phone.No ETA for restoration is provided.Card is still offline.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Friday XX/XX/2023 I went to an Bank of America in XXXX SC on XXXX XXXX to deposit {$500.00} in an ATM to my checking account. During the transaction phase after I put the money in the slot provided by the ATM a message appeared stating it was unable to process my deposit. The money was not returned. I immediately called the number provided on the ATM, but as of filing this complaint I have not receive any money to my checking account. I was told that it could take 2 to 10 days to resolve this issue. No other solution was offered and the money was needed to provide funds to purchase an air conditioner for a family member. This is not the first time I have made a deposit to a Bank of America machine only to have the issue resolved several days later.

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 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2023-05-04
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XXXX XXXX I went to my local Huntington bank atm to deposit cash. The full amount I put in the atm was {$1000.00} even. After I deposited the cash the machine spit out {$80.00} but the rest of the cash was visibly stuck inside the machine crumpled up. On the screen it was telling me to grab the cash that couldnt be deposited. After a few minutes went by it said your cash was not taken in time. To protect your accounts, Ive pulled your cash back in. Contact your financial institution the atm machine closed the opening.after taking a photo I immediately reached out to customer service and made a dispute. After 2 weeks I called for an update to find out the dispute was closed with no explanation. The dispute was reopened only to be closed a week later. This time the representative tells me the researcher found a different undisclosed amount and that {$920.00} wasnt the amount found from the atm. I feel like Huntington bank scammed me out my cash without a proper investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-14
Company: EQUIFAX, INC.
State: AL
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:
I have disputed with Equifax several times by mail and several times by phone about the public record showing on my report its the chapter-XXXX bankruptcy.I have asked how does Equifax verify Equifax first stated through the courts witch is not true then Equifax said through a third party called XXXX. So i went to the courthouse and spoke with the clerk she stated that the courthouse does not release information to third party companies such as the credit bureaus or XXXX then i called and wrote XXXX they stated that they get there information from XXXX know my rights and the FCRA rules/laws.Equifax is supposed to contact the actual furnisher witch would be the courthouse.This is false reporting and i want it removed from my credit report immediatly! Also the reporting date is incorrect its reporting XX/XX/2015 that is inaccurate information on my report witch calls for deletion.Another thing is my XXXX account along with other third party compaines are frozen so its no way equifax is veryfing through XXXX i will attach documents along with this for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Under the Fair Credit Reporting Act, XXXX and TransUnion are violating 15 USC 1681e ( b ) by not removing accounts that XXXX has already deleted ; kindly remove these accounts from XXXX and TransUnion XXXX XXXX XXXX aact # XXXX XXXX XXXX XXXX acct # 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 2023-06-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am attempting to get a new loan from a different company and need information from Select Portfolio Servicing ( SPS ). I have talked to the agent, ( not my representative ), the loan officer from the new bank has spoken with them, and we have collectively spoken with them in regards to needing a simple statement that I was not more that 46 days late on a payment, a statement that can clearly see and have made on recorded lines several times since Thursday, XX/XX/XXXX. 
In response, they have posted the same 2 letters ( attached ) to my portfolio which is their way of emailing me ; one is the general correspondence letter ( form letter ) stating they received a request for information, and the second is my pay transaction history. We have had both of these documents for quite some time. They will state that I was no more that 46 days late on the recorded line but will not send it in writing. This has caused me to lose the purchase of a house. 

Furthermore, I receive a monthly statement saying I owe {$410.00} monthly for my mortgage, I have been paying that amount twice a month since XX/XX/2023. They are not treating the second payment as a full mortgage payment but as a second half monthly payment, even though my monthly payment is only 1 payment of {$410.00}. I actually pay them {$420.00} every 2 weeks. 

This company has totally ruined my ability to purchase a new home, somehow is allowed to collect more than I owe, and is refusing to effectively communicate ( in writing ) my contract ( s ) with them. When we ask what our monthly statement is, they say {$410.00}, which is less than what we are paying now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: Experian Information Solutions Inc.
State: CA
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:
In 2020, a company named XXXX XXXX inquiry my credit many times. And, it send many letter to my home. I dont give the permission to this XXXX XXXX inquiry my credit. I am worried about it. Please give my support. My email is : XXXX, my cellphone is : 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 2017-07-26
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My complaint is for loans that I have acquired when I was a student which has been transferred to Navient from XXXX XXXX. My loans were a total of {$12000.00} but when I graduated from the University XXXX XXXX XXXX XXXX XXXX as a XXXX, I was not able to find work. This was approximately in XXXX. I was taking care of my XXXX XXXX children at a very low income average. However, I did keep communication with Navient and XXXX XXXX. It just so happened that I was charged late fees, and lack of payment with interest added. My loan grew to XXXX dollars. I have had to borrow money to keep them from reporting me to the credit bureau. In the past few years, I have paid and paid, but my balance seems to stay the same for the most part. I do believe that my account needs to be reviewed.for financial discrepancies. I may be paying money that I should n't have to pay. Also, I have found that XXXX XXXX was paid for several loans thru the Department of Education, so some of the loans that I am being charged could have been already included in my loans thru the Department of Education. My loans are being handled with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Peer Advisors, LLC
State: PA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
Im writing this letter on behalf of XXXX XXXX XXXX, XXXX his Power Of Attorney my name is XXXX XXXX. In late XXXX or early XXXX XXXX XXXX XXXX who is my uncle signed into a reverse Morgage with XXXX and they are an XXXX company by XXXX XXXX XXXX XXXX. At the time of signing my uncle was XXXX XXXX XXXX. There is no way my uncle should have qualified for a reverse Morgage. When XXXX XXXX company had my uncle sign documents he did not have have a witness or someone to go over the loan documents with him. I understand the laws that are in place to protect the vulnerable elderly citizens. But in this case, nothing was put in place to protect my uncle. XXXX XXXX company had him sign documents and XXXX XXXX was not aware of what he was signing. My uncle XXXX XXXX XXXX XXXX ) did not know he was signing his house over to Celink/Novad. 

The new services for my uncles loan is Novad Management Consulting FHA XXXX # XXXX. I dont have a date for when the servicing transfer took place. My uncle received a statement with Novad on the letter. No notice of servicing transfer was sent. There is over 1000 complaints on this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: Exeter Finance Corp.
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: Account status incorrect

Complaint:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " XXXX XXXX '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a XXXX - XXXX XXXX XXXX and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: ASTORIA BANK
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Bank sent me a letter to close my account because I would not allow my employer 's name to be connected with my account. Bank refused to refund me {$25.00} dollars as they were supposed to on XXXX XXXX, 2017. This is the worst bank ever, they view their customers as XXXX XXXX and XXXX. No one should continue to use this bank they look down on people are very bias. Branch Manager, XXXX XXXX XXXX, very nasty dealing with customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
These inquiries are fraudulent and not authorized by me, and please remove these unauthorized inquiries on my credit report. 
In accordance with the Fair Credit Reporting act Convergent Accounts XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 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 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 XXXX XX/XX/XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company 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 2023-02-05
Company: Telsa Motors Inc
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
On XX/XX/XXXX I paid a deposit online to order a new XXXX XXXX XXXX replace the current XXXX XXXX that the Lease was expiring on XX/XX/XXXX. I paid the deposit of {$250.00} online ( copy attached ). After that they kept on asking to follow up in the app but the new order never showed up. First Tesla said there was a wrong email ( I had ordered the new Tesla with my account with Tesla and my email XXXX. Tesla sent me an email that I had to make an affidavit that this email : XXXX was mine. I told them that was not my email and it was a crime to uses somebody else 's email. Tesla personal insisted that I committed fraud and state that email was mine. I provided them with proof of my email, copy of my credit card charge and also Tesla own receipt that the funds were received. After multiple correspondence explaining to them that what they were asking was illegal they arbitrary stole my deposit and told me I had lost it. 
I tried to have the deposit credited or refunded but Tesla refused to give it back or credit it. I had to place another deposit, this time with the involvement of a local Tesla store and I finally received the new car. The original deposit was never refunded and Tesla stole my money and refused to give it back.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation