BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-14
Company: Ability Recovery Services, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX insurance billing office has stated Any balances were paid >Talked to them numerous times and same conclusion with where I attatched to XXXX disoute such findings where they did nothing but Rubber stampes DENIED with no showing of any work they did to resolve what I Believe is deliberate fraud and extortion by collection agency in Question.

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: Experian Information Solutions 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: 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 that 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-07-22
Company: Paypal Holdings, Inc
State: CO
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:
Looking to get my money back for these following XXXX Charges from {$600.00} XX/XX/2022 {$2700.00} XX/XX/2022 {$4400.00} XXXX XXXX 2022 {$2000.00} XX/XX/2022 {$2000.00} XX/XX/2022 {$1200.00} XX/XX/2022 {$1800.00} XX/XX/2022 {$1800.00} XX/XX/2022 {$1800.00} XX/XX/2022 {$1600.00} XX/XX/2022 Going back and forth with my bank, XXXX is holding my funds XXXX. 

I was scammed by a XXXX company using my paypal account which as of now has completely vanished and is unresponsive in the case of any of the charges on my account. 

There is an ammassed amount of around {$20000.00} USD in limbo and XXXX currently has claims to it and they are refusing to re-open the charges because they were already openned through my bank, the second refusal is because it was outside of the 180 day timeframe ; but I filed these with my bank prior to that 180 days, right now if I contact XXXX for my money back XXXX is refusing to give this back due using " Their Policy '' as a hide around. 

I just want my money back to help pay for college and bills. This is all I ask.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2022 I borrowed money as a title loan from TitleMax in XXXX XXXX TX, the amount was {$1500.00}. In between the time I made the mistake of borrowing more money for the second time and now the amount is {$3500.00}. The monthly payment of {$250.00} went up to {$560.00}. I talked to the representative at the store of TitleMax about how every time I make a payment the amount loan never goes down. The answer I got was that I will never going to finish paying the title loan. As of XXXX of this year I became an XXXX XXXX XXXX  employee and I feel that they are just taking my money and I can do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
This complaint is against American Express. I used the credit card to purchase Delta Airline ticket for the amount of {$73.00}. One day prior departure, I went Delta online to cancel the ticket. Before CANCELLING the ticket, DELTA WEB SITE DID NOT INDICATED WHETHER OR NOT IT IS REFUNDABLE, so I went ahead and cancelled one day prior departure. I disputed the charge with AMEX for reason of POOR QUALITY OF SERVICE by Delta, and talked to supervisor XXXX on XXXX/XXXX/XXXX approx. XXXX XXXX EDT. AMEX supervisor was not helping consumers, saying that if the merchant ( DELTA ) wants to charge, they can do whatever they can do and AMEX credit card company has no control on it. I was so shocked that AMEX employee with supervisor capacity does not even know " the quality of goods and services '' is protected by the law. He was more than willing to help closing the account than help solving the issue of quality of goods and service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Hello, I refinanced my loan from Santander USA with XXXX  XXXX XXXX. On XX/XX/XXXX my loan with Santander USA was paid off. I have been requesting a release of lien letter from Santander USA since XX/XX/XXXX. Santander USA has hung up on me numerous times, transferred me from titles department to another department who then tries to transfer me back to titles. They have REFUSED to send it to me, told me XXXX XXXX XXXX needs to request it from Santander and that I, the customer, can not request it, etc. My state has a title correction deadline of XX/XX/XXXX and I can not get a simple release of lien letter from Santander USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This letter is my final communication regarding your claim that the information in my dispute letter has been verified and that the information being reported by the furnishers is accurate. As you can see, I am keeping careful records in regard to this matter. It has been well over the 30 days allowed by federal law for you to respond. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could result in an investigation by the FT. Perhaps this is just an oversight or result of high volume of the requests you receive daily. I highly doubt an agency that is responsible of maintain accurate information would neglect to follow the laws that govern them on purpose. So, I will extend you the benefit of the doubt. Im sure youll want to tend to my request as soon as possible. To help you out I have included a copy of my original request, the dated receipt of when you got it, and a copy of the proof verifying the mistakes you have mistakenly placed on my records. Furthermore, I request your method of verification. In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617.

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 2023-03-14
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
The XXXXXXXX website is having serious isssues. I was able to obtain my XXXX report, but I had to refresh my browser and print to PDF instead of being allowed to save. XXXX then threw an error and told me I had to do it by regular mail, and the main XXXX interface skipped right over Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22
Company: Advanced Resolution Services Inc.
State: MS
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 mailed a dispute letter to the credit reporting agency over two months ago and have not received a response. I believe this a stall tactic by this company. I feel they are disobeying FCRA regulations and intentionally not answering my letter and also in the process of violating my rights as a consumer. The information I'm disputing is causing harm to my credit report and credit scores. Its also causing me to not be able to apply for new credit lines and find balance to the stress they have caused in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband passed away XX/XX/2015. Investors bank would not help me or work with me. I asked them to put the few months of mortgage that I owed onto the back end of the mortgage. Instead they did everything they could to foreclose on me. Which they did. I hired a law firm in california and they said to file for bankruptcy to save more time, but they just took my money and now I have a dismissed bankruptcy on my credit file. 
I have all of the information, documents, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-22
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company sent me a letter stating I owed a debt to XXXX XXXX  in the amount of {$260.00}, but they would settle for XXXX if I call them and settle it. The amount they are stating is owed, was from equipment being sent back delayed due to Hurricane Harvey hitting and flooding the XXXX area some years back. The equipment has since been returned and the account is a XXXX balance. Also, I was a service member that was able to void the contract with military orders for XXXX. This company is requesting money that isn't even owed with any validity. They are preying on a XXXX XXXX XXXX Veteran. I have already dealt with this with another collection company prior on the same exact debt! It's a shame that these companies exist. I will not provide this company any personal information in order to dispute through their website. This is ludicrous.

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 2019-12-22
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2019 I purchased a pair of concert tickets for {$50.00}, the seller chose PayPal as the method of payment and instructed me to choose the " friends and family '' option. Me, who rarely uses and is largely unfamiliar with PayPal, agreed and sent over {$52.00}. Once I was emailed the tickets, I discovered that I was not forwarded the ticket order shown to me during discussing purchasing the tickets but rather forgeries. I immediately contacted PayPal to try and cancel the payment but was told since the money was already sent with the 'friends and family '' option there was nothing that could be done besides contact the seller and ask for a refund- which I promptly did and was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Primus Law PC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XXXX I called to find out more information on my account. While I was on the phone I was talked down to by the representative. I asked her to please work with me to help me understand what is going on and she kept interupting me, telling me I did not take care of the outstanding bill and spoke in a belittleing manner. I repeatedly asked her to please understand that I have some mental health concerns that prevent me from understanding things so if she could please help me. She continued to be very rude and I asked to speak to someone else and she was short, rude and put me on hold. I was able to talk to someone else and he was very helpful and provided me the information I needed to get this resolved. 
I would like to file a complaint about the company 's representative. Her name is XXXX XXXX and she works with Primus Law. 
XXXX XXXX XXXX ( # XXXX ) XXXX XXXX ( # XXXX ) Primus Law Attorney for Plaintiff XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Telephone number XXXX File # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I reached out to National Credit Systems for debt for XXXX on my credit report also for XXXX I reached out to creditor and they have incorrect DOB AND ADDRESS, also wrong XXXX XXXX XX/XX/2016 I was a victim of ID theft. Police report # XXXX. There is several accounts opened opened fraudulently. Also for XXXX XXXX XXXX opened on XXXX. Also there is an account for XXXX XXXX INERNATIONAL {$6200.00}, AND LASTLY THERE IS AN AUTO LOAN WITH XXXX  XXXX BANK FOR XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited {$4500.00} in a Wells Fargo online bank account on XX/XX/XXXX. The bank indicated the funds would be available on XX/XX/XXXX. The funds were available on XX/XX/XXXX. I made one bill payment of about {$150.00} on XX/XX/XXXX. OnXX/XX/XXXX, I received a message stating my funds were on hold due to repeated overdrafts in the last 6 months. I have not had a Wells Fargo account for over 8 years and even so did not have repeated overdrafts. I called WF to resolve, but after almost an hour, I was told there was nothing I could do. I would have to wait 7 days before the funds would be released. Under privacy rules, WF should have accurate data, and if not, I should be able to know the source of the data and any incorrect data being corrected. The rep at WF told me she did not know where the information about repeated overdrafts came from.

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 2019-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Not my items

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 2021-07-16
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint it's a city bank company that keeps harassing me about different amounts of money sometimes its one month sometimes it's two or sometimes it's all about escrow but they never know what it's really happening i complaint about this problem few times before it's been almost 3 years im dealing with them and keep asking about the origin of the amounts owed but they don't know they keep sending me the paperwork and they say you look where the money owed is but and its nonsense i said I will pay them with any problems if they provide the proved where is the shortest in XXXX i got a loan modification and I haven't missed a payment they claimed its an escrow but every year they adjusted it I was supposed to pay only {$1400.00} and since XXXX I been paying more {$1500.00} and more and since XXXX {$1600.00} but always overpaid them and they keep saying i owed them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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