BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
Company: Block, Inc.
State: MD
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:
CFPB, On XX/XX/XXXX, I used my Afterpay credit to purchase three XXXX XXXX tickets from a travel agent called XXXX XXXX. I paid a total of {$620.00} USD for the three XXXX XXXX tickets after XXXX XXXX advertised that carryon luggage was included in the price. After receiving the ticket details, I found out that carryon luggage was not included in the tickets that I purchased. The tickets I purchased for {$620.00} only included free personal items luggage and carryon luggage was going to be a separate price. 

After the travel agent refused to provide me with a refund, I said submitted a consumer complaint to the US Department of Transportation and opened dispute XXXX with my credit card company ( XXXX ) on XX/XX/XXXX. XXXX closed dispute XXXX on XX/XX/XXXX and advised that I work with the travel agent to resolve the issue. 

On XX/XX/XXXX, without any communication about the type of refund I would be issued and the impact that a ticket cancellation would have on me financially, XXXX XXXX cancelled the three XXXX XXXX tickets I purchased for {$620.00}, and only gave me {$210.00} in airline credit. I reached out to XXXX XXXX to get my remaining {$400.00} in refund but the company hasnt responded to my inquiry. XXXX will not assist me with obtaining a refund from XXXX XXXX. 

After being scammed out of {$400.00} by XXXX XXXX, I checked their social media presence and found customers complaining about losing as much as thousands of dollars. 

Thank you, Customer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I sold {$16000.00} worth of product which customers fortunately reported a chargeback and PayPal had a fiduciary obligation to protect me as a business these customers obviously got their product in hand and reported a chargeback this is fraud upon my company PayPal has the obligation to return all fees associated and securities as well this is breach of contract which I have a fee schedule for reimbursement for all chargebacks to be directly sent to the department of Treasury all funds associated with XXXX XXXX the trustee belong to the estate and family trust PayPal must return all funds associated Ithis is rescission of contract due to breach of contract this is not a duplicate but a claim of adverse action

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2022, I did a same day wire transfer for the amount of {$240000.00} between my checking account in Bank of America and my account in XXXX. 

Bank of America claims that the money is stuck in XXXX XXXX, an XXXX  XXXX  for the transfer. BoA also claim that they have contacted XXXX XXXX to recall the transfer, but that they got a request for more information from XXXX XXXX. This information was provided last week and still have not heard from XXXX XXXX or BoA, and, in the meantime I am out of almost a quarter of a XXXX dollars for almost a month and the interest lost in my savings account at XXXX XXXX is in excess of {$500.00}

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 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I regret to inform you that I can not accept your decision to dismiss my identity theft claim by attributing it to an error or a misrepresentation of material fact. It raises serious concerns as to how and why you possess the authority to determine what constitutes a material fact. It's worth noting that your role does not grant you the powers of a judge or jury, nor any inherent right to make such determinations. 
According to the guidelines set forth by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the protocol is to adhere to the law and investigate accordingly. 
XXXX XXXX I am willing to grant you one final opportunity to process my request concerning my identity theft. Failure to do so will compel me to seek legal recourse through the judicial system. In such a scenario, you will be held accountable for the damage caused to my reputation, credit, and the emotional distress I have endured throughout this ordeal. It is highly likely that what constitutes a material fact will become abundantly clear during legal proceedings, and you may be required to compensate me for your negligence. 
I implore you to take immediate action to resolve this matter within the five-day timeframe mandated by law. 
Please manage your responsibilities accordingly.

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 2023-11-28
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX  ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance XXXX {$14000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$840.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : {$8900.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
In accordance with the XXXX XXXX XXXX Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the opened date is inaccurate, the day last active is inaccurate, and the date last reported is also not accurate. This is ground for removal they also violated my rights under 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 an 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 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
I am writing to lodge a formal complaint against Shellpoint Mortgage Servicing for its alarming and unfair practices during the COVID-19 forbearance period, as well as its improper foreclosure filing. This situation has placed an undue burden on me, and I believe Shellpoint Mortgage Servicing has violated key regulations set forth by your agency. 

During the COVID-19 forbearance, I entered into an agreement with Shellpoint Mortgage Servicing to temporarily pause my mortgage payments due to pandemic-related financial challenges. Despite my willingness and ability to make payments, I encountered significant barriers intentionally set by Shellpoint Mortgage Servicing. Specifically, the company has a practice of not allowing online payments, a crucial method that many homeowners rely on. Moreover, Shellpoint Mortgage Servicing failed to proactively provide viable options for making payments or communicate the end of the forbearance period. 

In my attempts to address these issues, I communicated both in writing and over the phone with Shellpoint Mortgage Servicing, explicitly stating my challenges with making online payments. Unfortunately, Shellpoint Mortgage Servicing did not take appropriate steps to accommodate my needs or provide any alternative solutions nor the necessary information to avoid potential negative consequences. 

To my dismay, I discovered that Shellpoint Mortgage Servicing improperly reported my account as past due and initiated foreclosure proceedings against my property. This unjust action has not only damaged my credit but has added an unnecessary burden on homeowners like myself who are fully capable and willing to make payments but face intentional barriers set by the lender.

I am formally requesting that the Consumer Financial Protection Bureau thoroughly review this matter and take decisive action to ensure Shellpoint Mortgage Servicing complies with your agency 's guidelines. This practice not only jeopardizes the financial well-being of homeowners but also goes against the spirit of the protections put in place during the COVID-19 pandemic.

Enclosed with this complaint, you will find relevant documentation, including records of communication with Shellpoint Mortgage Servicing, foreclosure notices, and any other pertinent information that may assist in your investigation. 

I implore the Consumer Financial Protection Bureau to intervene and address these unjust practices promptly. Your attention to this matter is crucial in protecting the rights and financial stability of homeowners facing challenges during these unprecedented times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
XXXX willfully fail to comply with FCRA .I would like to know how did you verify the information XXXX did not do an accurate investigation in providing the factual details to my dispute. Iam distressed that you have included these accounts with inaccurate information for all the accounts listed I would respectfully request you to provide proof of the alleged items specifically the contracts bearing my signature and address. If you can not provide the contracts the items must be deleted asap .these are the following accounts 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 XXXXXXXX If you continue to violate the FCRA laws you will be held liable for actual damages and attorney fees. The address on the contracts must reflect all the address you publish on my r 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 2023-12-20
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy in demanding the deletion of the accounts listed IMMEDIATE

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 2023-11-02
Company: Experian Information Solutions Inc.
State: NC
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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-11-02
Company: Experian Information Solutions Inc.
State: IL
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:
I received the card in the mail. I never opened an account, never used the card that was mailed to me, and destroyed the card that was mailed to me. I can't even access through their website, as I never set up an account. I never received any statement showing why they are charging me for something I did not ask for and did not use. I only noticed it when it showed up on my credit report. Now they just continue to report me delinquent, adding more costs onto the balance without any explanation. Experian simply reported my dispute as : " Remains - The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. '' So, if a company tells Experian their information is accurate, even when they are knowingly lying, there is no recourse? If they insist I owe them, why don't they send me a statement, showing where these charges were incurred? I have never used this account, and it needs to be closed and removed 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 explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2023-12-12
Company: Credit Service Company
State: MT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have never received a document or provided any information from this company that I did business, signed a contract, or a call or email or anything physical document in the mail.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-12
Company: Affirm Holdings, Inc
State: NC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I used Affirm to pay for two orders that I placed on a online store because I had used Affirm a few times before. I didn't have any issues like the ones I'm running into with my two current orders.

I was not able to reach them through the chat option through their app and when trying to get their number to call the app kept crashing or would not load the page that I had to go through XXXX just to get the number to call. 

The first person I spoke with didn't understand what the problem was. All she wanted to do was tell me how it worked how much my total payment was how many payments you know I had and how you know how bi-weekly and all the information I already know. 

Despite spending the majority of the conversation with her explaining the same thing over and over again and either she just could not understand or she did not want to give me an answer. 

And then I asked you get transferred to someone else you would understand because I should not be marked for a late payments that was not late when it was paid on the day it was due. 

Then the next person I was transferred to said that she was a supervisor and her name was XXXX and I had the same exact issue with XXXX like I had done with the girl before. each time when they appeared that they may be understood what I was saying and what the issue was they just put me on hold and after being on hold for a few minutes would come back and give me the same spill of how the system worked or payments how much they already made the payment in full to them and and not addressing the issue. 

Looking back at my bank records and looking back at the payments The time it takes for a payment you process is part of the schedule so even though you are given a date for the payment to be due it's actually due the day before because apparently now you have to take into account the processing time. So even if you have a timestamp from your bank showing that you made a payment on this day it will not appear on the app because it won't finish processing until the following day

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: TX
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 implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them.

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