BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-01
Company: General Motors Financial Company, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
GM Financial is not letting me exercise my federally protected rights. I sent GM a Right to RESCIND letter that they received XX/XX/XXXX, XXXX XXXX signed for it. They have 20 days to respond and send my refund back pursuant to 15 USC 1635 ( b ) and 12 CFR 226.15. They have yet to respond. I called multiple times last week XXXX or XXXX and XXXX the rep told me to give a manager time to look over the document and call back XXXX instead I waited and called XXXX. And they keep sending me to different departments and telling me a supervisor will call me back but haven't called back. I called today XX/XX/22 spoke with XXXX id # XXXX and also XXXX id # XXXX they told me a lead notated the account saying he not dealing with legal matters when this is a letter from me the consumer stating I want to rescind my contract which I have those rights within 3 years because my contract from GM violates XXXX  with the no cooling off period and, I have a right to rescind and they failed to disclose that. Once they transferred me to the recovery department I asked for an supervisor again the guy who name I don't have put me on hold for about 10 mins came and said supervisors are not available. 
The CFPB also has a table of content with the consumers right to rescind stating that a consumer can exercise there rights to rescind as long as you notify the creditor and is in the 3 year period and I have done both. The letter states clearly I'm exercising my rights to rescind.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: Empowerment Ventures, LLC
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
on XXXX XXXX XXXX I called rushcard to say my card was lost or stolen they told me the account card was going to be deactivated so i put in dispute and nothing seems to happen on XXXX XXXX and they told me nothing was filed and nothing was on hold the card was still opened and was able to be used so I went online myself and cancaled the card on XXXX the XXXX there was still large charges coming in from facebook on my account and the rush card did nothing to help me when i said to them i was going to call the police and file a complaint agaisnt them they di open a dispute and told me they were going to email me the form to fill out and wait 1 to 3 hours nothing came and then again on the XXXX of XXXX called in and asked agian for the form and nothing was sent XXXX in dispute so what did they do after i was disputing only XXXX charges they went all the way back into my account and filed XXXX charges which in turn will be fraud on my part if i sign the form which still never was sent they love tell you what you want to hear but do nothing to fix it they want your money and collect interest on it while not giving it back to you they refuse to help they are not afraid of the banking laws because they dont fall under it metabank backs them and then metabank say no they use there routing i am at the merecy of rushcard which they dont care about no XXXX but themselves they dont care who steal my money they say i should be more careful not the answer i was looking for so my m, oney is gone and they wont dispute them

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: Paypal Holdings, Inc
State: MA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Paypal/ XXXX, signed me up for paypal credit when I wanted to use my credit card. They claim its my default ; however, that day I added my card and tried to use it. I did not put my social in or anything. I happened to look on ebay and it stated thanks for using paypal credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2020-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Good afternoon, I was charged a late fee on my XX/XX/2020 statement. I was not aware that a payment was due because I did not receive a statement. I have always paid Bank of America on time. I wrote a letter to the bank, but they refused to refund the fee. I have already made full payment.

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 2016-11-12
Company: Commonwealth Financial Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a debt collection letter XX/XX/XXXX for a debt from XX/XX/XXXX. This was the first I was ever notified of an outstanding debt, despite living in the same house until XX/XX/XXXX. I called CFSI to dispute the debt, and was treated very rudely and told to pay the debt. I requested CFSI verify the debt and the phone rep hung up on me. I called the original creditor, and was informed they did not show any outstanding balance or debts. I sent a certified letter to CFSI relaying this information and again requesting they validate the debt. Within three weeks of the date on the notice from CFSI they have already contacted the credit companies, yet not contacted me to confirm or deny the validity of the debt. There has not been any attempt to settle this matter, they are using strong arm tactics to get money any way they can. This is not right, and I will seek legal representation to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
Unwanted charges and harassment and credit problems from transunion.com because of a social intelligence hacker looking for work and credit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Selene Holdings LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
To : Selene Finance LP XXXX XXXX XXXX XXXX, TX XXXX We are writing this letter to find out what can I do to resolve my issues with my current mortgage lender Selene XXXX . 
The bank is withholding our money. At the beginning of XX/XX/2021, I called the bank and talked to customer service, explaining our situation and what was going on with our finances. I told Customer service that I can start making double or a payment and half, until we are able to catch up with the balance I own. The bank never ( not even once ) objected, so I proceeded and send Selene Finance {$2400.00} dollars in XX/XX/2021. In XX/XX/2021, we received a check from the bank for the same amount, I originally send to them with a letter claiming that they us to pay the full amount. I called the same day and explain the situation my husband and I are experiencing and the bank agree with us to make an agreement we can catch up with what I own and start brand new, making payments. So, we agree with the terms of the bank and they told me that I need to make a payment of {$2400.00} first payment and then {$1700.00} for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and then in XXXX our regular payment of {$1200.00}. We also agree that they were going to send me a letter with the agreement and the bank never did. In addition, the bank also agree to returned the {$2400.00} I originally send to them in XX/XX/2021 for the amount of {$2400.00}, which they never did. I called several times and every time, it was a different agent with different excuses. The last person we called said that the bank was going to hold my money for 90 days with no explanation. I told her that I need the money to keep paying them and hold my agreement because we leave paycheck by paycheck and we were not going to be able to come up with another payment of {$1700.00} so fast. My calls to the bank were always blank with empty promises and excuses. So far, the bank has in total {$2400.00} first payment, withdrew from my bank on XX/XX/XXXX of XXXX my second payment made in XX/XX/XXXX for another {$2400.00} for a total amount of {$4200.00}. Also, to clarify the check the bank mailed to me the first time was not remit to me, see copy of the check and letter so I was unable to change the check and that was the reason why I returned the check to the bank ; so they can correct the check and send it to us again or transfer the fund to my bank. The bank agree on XX/XX/XXXX, that they would transfer the fund or mail the check and none has been done. Furthermore, the bank is charging fees that I don't know and this is very confusing to us. I dont know where to go or whom do I have to call or contact regarding my money and the issues I'm having with the bank. Please let me know what to do and what can you do to help me solve this problem. Thank you. 



Sincerely, XXXX XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have a severe issue with the credit bureaus. All my accounts that is reporting is out of statue of Limitations. Creditors have been selling out statue debt to collection agencies. This is clear violation of the FDCPA. I never authorized none of the action to take place. These accounts Ion there should of been deleted a long time ago. Some accounts I have no knowledge whatsoever!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: Bonded Business Services, Ltd.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
While I was inundated with XXXX XXXX, multiple XXXX, XXXX and related needs for same and unable to take care of any of the obvious needs, a judgement was issued. I attempted to contact the debtor and get the information but have not received a verification of debt. 
The debtor has attempted to garnish the bank account and this is the only means of survival since our only income is Social Security Benefits. We have since received a pattern interrogatory from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have been disputing this creditor since XXXX XXXX will not update my account with the creditor XXXX XXXX . When XXXX  does an investigation, the results are always returned in 3-5 days stating accurate information. The account shows paid ; closed ; charge off ( 12 charge offs ) for the same 6 accounts. I submitted proof from the creditor several times showing that the accounts are current and XXXX still won't update my report accurately. XXXX  always update accounts 60 days after a payment has been confirmed by the creditor. My account with XXXX XXXX was paid on time for XXXX and XX/XX/2020, but still not updated. 
I have disputed and contacted both XXXX  and Transunion about 2 creditors reporting incorrect information on my credit report. I have sent in proof that one of the creditors was paid in full and Transunion refused to update the information. Transunion stated that's the result of their investigation was accurate from the creditor, but the creditor is no longer in business. The creditor is XXXX To Learn balance $ XXXX. The collection agency for XXXX XXXX XXXX is XXXX XXXX and XXXX XXXX no longer is responding to any calls nor a current lawsuit for over payment of this account. Payment information was submitted to the collection firm and they still won't update my report. XXXX  will not update my account with the creditor XXXX Co. I've been disputing this account since XX/XX/2020. The account shows paid ; closed ; charge off ( 12 charge offs ) for the same 6 accounts. I submitted proof from the  creditor several times showing that the accounts are current and XXXX  still won't update my report accurately. XXXX  always update accounts 60 days after a payment has been confirmed by the creditor. My account with XXXX XXXX was paid on time for XXXX and XX/XX/2020, but still not updated.

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 2022-02-01
Company: LEXISNEXIS
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I need to make sure you have my correct business information for my business registered as XXXX XXXX XXXX XXXX in the state of California. I have called but have not been able to get someone to help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: U.S. BANCORP
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
On XX/XX/2022 I started a fraud dispute for XXXX  XXXX XXXX XXXX because I never received this card and I found out that someone fraudulently spent all the funds in the account. Per federal guidelines and my understanding is that the company must resolve the dispute within 10 business days and if they are unable to resolve the claim within 10 business days then they must issue a provisional credit while they investigate the claim. Well the company is still investigating my claim past the 10 business days and they are refusing to issue my provisional credit. To my understanding that violates federal mandates and guidelines that must be followed

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 2020-06-14
Company: Freedom Mortgage Company
State: FL
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 have an FHA loan with Freedom Mortgage. Around XX/XX/XXXX the bank gave me a forbearance status based on the CARE act. Today I decided to apply for a personal loan, and I was told that I couldnt receive a loan cause I was in forbearance. I thought that the banks would not be reporting on this forbearance status to the credit reports.

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 2016-08-11
Company: Commonwealth Financial Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
There are XXXX ficticious medical bill charges on my credit reports that were illegally placed there by a company called Commonwealth Financial in an attempt to extort money from me by damaging my credit. This is in violation of FCRA laws XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX {$53.00} By placing XXXX separate charges on my account, they are deliberately attempting to damage my credit further than if they 'd placed a single charge. I have contacted Commonwealth and they were unable to provide any proof that these charges are real and valid. 

I asked the representative that I spoke to at Commonwealth if these were the hospital emergency room visits that my wife and I made after being hit by a drunk driver ( all medical bills were paid by XXXX XXXX XXXX XXXX XXXX ). Strangely enough, she told me that these were not emergency room visits, but rather 'physician bills '. 

In actuality, XXXX ' ( sometimes listed as XXXX XXXX XXXX XXXX XXXX ) is a fake agency and Commonwealth is known for illegally reporting these fake charges on random credit reports. They always list the charges at least twice, in an attempt to create 'panic ' in the victim and get them to pay faster. 

If the charges are successfully disputed off, Commonwealth will start placing random amounts as many as eight times on a credit report to exact 'revenge '. 

Case number : XXXX is an incident that happened to my wife, where Commonwealth had placed eight fake charges on her report. 

XXXX XXXX of Commonwealth Financial acknowledged that the charges were indeed fake and has promised a deletion update to my credit report, however this has not been done. She claimed to offer a deletion only to close the last case. I have not received a valid bill, I have not received an explanation and the charges are still on my account. 

I attempted to call Commonwealth Financial Systems again and I discovered that they blocked my telephone number : XXXX. How in the world are they attempting to collect debts or resolve erroneous information if they block the telephone numbers of people trying to call them? That seems a little suspicious. 

What Commonwealth Financial is doing is illegal and I would like to follow up to ensure that they are prosecuted. Meanwhile, I am pursuing a civil case against Commonwealth Financial as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: Commonwealth Financial Systems, Inc.
State: HI
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
My bankruptcy was discharged in XXXX of 2013. I just saw my score on XXXX plunge by XXXX points after trying to build my credit the last 3 years. COMMONWEALTH FINANCIAL SYSTEMS for XXXX sent something to the credit bureaus but showing a XXXX balance which has hurt my score substantially. This was all taken care of in the bankruptcy in 2013. Please help me to get them to fix this with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX  XXXX is mistakenly reporting to all XXXX credit bureaus an account that isn't mine. I have requested for many years that they provide an original contract with my signature proving the account is mine, but of course they can not because it doesn't exist. So I have requested many times that they remove this bogus account but they refuse. I have also asked the XXXX credit bureaus to remove it, but they won't saying the creditor " says '' it's mine. SAYING IS NOT PROOF. They can not provide an original contract with my wet signature, thus the account it not mine. They have caused me serious financial damage by destroying my credit score with their mistake/fiasco. Please make them remove it immediately from all XXXX credit bureaus. With sincere thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXXXXXX XXXX XXXXXXXX is mistakenly reporting to all XXXX credit bureaus an account that isn't mine. I have requested for many years that they provide an original contract with my signature proving the account is mine, but of course they can not because it doesn't exist. So I have requested many times that they remove this bogus account but they refuse. I have also asked the 3 credit bureaus to remove it, but they won't saying the creditor " says '' it's mine. SAYING IS NOT PROOF. They can not provide an original contract with my wet signature, thus the account it not mine. They have caused me serious financial damage by destroying my credit score with their mistake/fiasco. Please make them remove it immediately from all 3 credit bureaus. With sincere thanks.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Credit Bureau refuses to remove or validate erroneous false information on my credit report. Credit Bureau Reps admit that a " computer " verifies it. I have repeatedly asked for their method of verification which is my right under the FCRA section 611 ( a ) ( 7 ). I have contacted the courthouse and I have a letter from the Clerk of Court that stated that they DO NOT VERIFY with the bureaus. They will not tell me what third party vendor they " verify '' with so that I can dispute directly with them. 
The information that they are reporting has many factual inaccuracies which they refuse to correct or delete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation