BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-23
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 XXXX  Account XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A. Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instruction

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 2022-07-23
Company: Trident Asset Management, L.L.C.
State: MS
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:
Trident Asset Management, unlawfully added a 120 day late payment to my report without cause in XXXX of 2022. I have never entered into an agreement with this company. They purchased my charged off debt from a previous debtor, this late payment was added in retaliation. I request that this account be removed from my report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: Experian Information Solutions Inc.
State: RI
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 XXXX  these accounts below Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account XXXX XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account Name : 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 explanation
Consumer complaint received 2015-08-03
Company: MLD MORTGAGE INC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I refinanced my home with MLD mortgage. They were so eager to get me refinanced, they were in a rush to get my loan done. They promised me that my old mortgage with XXXX would be paid off on or by XXXX XXXX 2015 and I would not be drafted for my old mortgage company. Paper work was signed & I was not suppose to pay for my new mortgage until XXXX XXXX,2015. I did everything on my part and everything turned upside down when my old mortgage was drafted on XXXX XXXX Because MLD mortgage failed to pay off my old loan on time ( it was paid of by XXXX XXXX ). I have been battling MLD mortgage for the past few months and I am mentally exhausted. The company MLD hired to service my loan ( XXXX XXXX ) told me I did not have to make my first payment until XXXX XXXX. However MLD has been after me to pay XXXX payment when I have continuously told them that my XXXX payment was not due because of their error ( the XXXX payment was applied by XXXX XXXX to go to my new mortgage ). Another red flag is the paper work I signed does not reflect the pay off amount, its off by over {$1000.00}. 
I do not know who to turn to, every time MLD tells me they will work it out for me, I get another phone call telling me I owe for XXXX & I 'm back at square one. NOW as of today when I went to go to make my online payment, XXXX XXXX informs me that my loan will now be serviced by another company. I regret 100 % refinancing with this company, I get harassed every week by this company, despite the fact I have physical paper work confirming my account. Can you please let me know who I can complain to or who I can go over my mortgage paper work to see if my refinance was done correctly?! Any help will be greatly appreciated! 
XXXX XXXX XXXX XXXX, FLXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: Solutions To Portfolios, LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
they call my cell phone my work phone constantly saying my social security number has complaints against it they want a legal statement or they will take me to jail. i dont even know what this is about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX : Screen shots that are attached show that their unfreeze function does not work. 

There is no way to talk with an agent. 

I tried the phone and the phone tree does not give options that match my need. 

I've attached a PDF document to show the screen shots that clearly show the problem. 

I used to be able to call, quickly talk to an agent and complete my task. I have now spent 40 minutes and I still have not completed my task. 

Sincerely.

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: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
There is a web sale site XXXX XXXX XXXX which sells tools and other items and mode of payment was paypal. Since the payment is though paypal, I assumed pay pal do some fact check to for the company when they register with paypal. After paid money through paypal for the item, I did not get the item ordered. I reported the issue to Paypal and paypal says they can not do anything to this since they are only do payment transfer and take commission and don't care about service or product ordered. 
So I want paypal do some fact check so that people not get cheated. Pay pal only interest is increase commission they are getting and the trust of the deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Im writing regarding 2 transactions on my Macys card. 

The first transaction, XXXX # XXXX was returned to Macys. I paid with my Macys card. Macys took it upon itself to refund the order with a gift card. I placed another order over the phone and the rep didnt know how to use the gift card. I went to the store to purchase a shirt and the store couldnt use the gift card. Ive called multiple times to have my refund returned to my Macys card and I get lied to that it was. My Macys account balance is still the same. I paid {$11.00} with my Macys money. They have yet to issue a refund for that {$11.00} dollars. I didnt cancel or return the order. I earned that with my purchase history. 

The second order, XXXX # XXXX with Tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been stuck at Macys warehouse for over 2 weeks XXXX It says label created and shipper awaiting package. Ive called multiple times to request my refund and Im no longer willing to wait. 

I purchased elsewhere. Till today, they havent processed the refund. They reported my account to the credit bureau today as credit use higher than normal with 30 % usage. 

I need Macys to be held accountable.

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 2020-08-05
Company: CITIBANK, N.A.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I used my mobile app to make payments of {$100.00} and {$2300.00} on XX/XX/20. Both payment were returned. I called the customer service and was advised to go to the bank which wasn't open due to covid19. When i finally got to the bank they advised to call the credit card customer service which bounced me around for 2hrs on XX/XX/20. I was issued some credit for returned check fees according to 1 rep but they can't find what the problem is. This was after my previous calls went unanswered and they told me i had to pay because it was my mistake and they had already issued a credit in the last year ( this was also a problem with them processing ). My credit score during this time has taken a huge hit for their mistake and i need a letter from them stating transaction error but they are too busy blaming each other to help. I need the letter to send to the credit bureaus to fix my score so i can get a better rate. They will also hold me accountable for this when the money was available and the bank screwed up. I have never missed any payment of any type. Please 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 explanation
Consumer complaint received 2019-12-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I contacted Portfolio Recovery Associates on XX/XX/2019, and advised them that I was issuing a Cease & Desist order to them. I spoke with an individual who identified herself as " The operations manager '' and refused to place a cease & desist restriction on the account.

Portfolio Recovery Associates records all their internal phone calls, so this violation of the FDCPA is well memorialized. My attorney will be requesting a copy of the call in discovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: EQUIFAX, INC.
State: NC
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:
After disputing, Equifax removed a tax lien ( amount - {$570.00} ) from my credit report in XX/XX/XXXX. On Tuesday XX/XX/XXXX, I received an alert that the tax lien had been added back to my credit report. I immediately disputed online same day. I then called Equifax right after disputing online. After having to repeat information several times to the representative, I was told by that rep that tax liens are supposed to stay on reports 7-10 years after they 've been released. I repeated several times that Equifax had indeed removed it and it should not have been added back, especially since I did not receive the required 5 day notice. She could not explain to me why it was added back, just that the liens can remain for 7-10 years. She also told me that I had to contact whoever reported the lien. I then reminded her that is not required. I did not do this when I disputed before - I contact Equifax directly and Equifax removed it. She also thought that when I said " You '' meaning Equifax, that I was saying that she personally had deleted it. Again, I had to explain to her that I was referring to the Equifax, not her individually. Lastly, she stated that since I had already disputed online I had to allow the 30 days for the investigation. My final statement was that if the lien was not removed I would be contacting them back and I would be filing complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
Auto loan shopping not counted as a single inquiry. Transunion has XXXX inquires made upon the same day and did not count the inquires as a single inquiry.

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 2019-02-21
Company: MONEY SOURCE, INC., THE
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am a XXXX XXXX with a check made out to XXXX XXXX, XXXX and a mortgage company, The Money Source. I have supplied the mortgage company with all of the documentation for the work that I have done and completed months ago. The Money Source is refusing to endorse the check without me first endorsing the check, which I will not do. There is no reason for the mortgage company to have this money. I have been in XXXX  for 18 years and I have never endorsed a check made payable to XXXX XXXX for work I have done. I have attached a copy of the check and the letter from the mortgage company. There are two checks that I am trying to get endorsed from this mortgage company. Everytime I speak with someone from The Money Source, I am given another set of instructions, I have sent them 100 's of pages of documents from this claim. XXXX XXXX contracted my company, XXXX to do emergency water mitigation work, the work was completed, XXXX XXXX paid for the work and now The Money Source will not endorse the check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, 2016 I paid a debt for {$110.00} and {$150.00} to XXXX XXXX XXXX XXXX with my credit card. Per our agreement, the debt was to be removed from my credit reports and they were supposed to send me a receipt of payment. To this date, they have not sent me any notice in the mail to state the account is paid. To make matters worse, now the same identical debt that has been paid is now being collected upon through Capio collection agency. So now I have XXXX debt collectors trying to collect on the SAME debt that was already paid in full! I am going to attach the letter from XXXX XXXX XXXX XXXX that they sent to the XXXX on XXXX XXXX, 2016 stating the debit is satisfied and should be removed. I dont understand why they are refusing to remove it and have sold it to Capio for further collection efforts when it has been paid in full. My next step will be to secure an attorney to seek damages for failure to adhere to the FCRA. I already advised Capio that the debt had been paid and offered to give them all the information to contact XXXX XXXX XXXX XXXX but was told they do not do that. I have provided a copy of my credit card statement showing payment but they will not accept that. I am attaching proof from XXXX that states it is paid as well as the better business reply that it is paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07
Company: Synovus Bank
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022, my credit card was used at a XXXX  XXXX XXXX ATM to withdraw the entire balance of my credit card. This was shortly after I had paid my balance off in full. I had never lost my card, meaning that the card information had been compromised during a previous transaction. After my balance was cleared at this ATM, there were several failed transactions all for {$200.00} each. These transactions never showed on my statement and I had no idea about them until I found out that my balance was gone and called the company to report the fraud. The credit card company, First Progress, failed to alert me to the fraudulent activity or notify me that my balance was gone.

After waiting for weeks to resolve this, they reached a decision that they would not resolve this fraud and that I was responsible for paying back not only the balance, but all of the late fees and interest as well. I went for 2 months believe that my balance was paid in full, so I didn't realize that I was missing any payments. It wasn't until I went to make a small purchase and my card declined that I realized that anything had happened. 
First Progress is refusing to do any investigation into this and will not budge. My credit is being destroyed. Everything I have worked on for the past 4 years I being destroyed. I can not afford to pay what they are asking me to pay, nor should I have to.

They allowed someone to get my card info and withdraw my entire balance and didn't even notify me one time.

Also, this is a secured card. The balance is my security deposit. It makes no sense why I would do this on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XXXX I added a new bank account to my Venmo app. I began a bank transfer of funds for {$1000.00} out of the {$3000.00} total balance. The transfer failed and immediately my venmo acccount was " suspended for violation of use ''. Confused, I called the customer service line to be told that she saw my account was frozen but did not see a reason why. She told me that I would receive an email from a third party account specialist in 6-7 days and she had no other way to assist. I sent two emails to the Venmo email customer service seeking assistance in withdrawing my money. 

On XXXX My email was replied to by account supervisor XXXX and still provided to answer to why my account was suspended or how to access my funds. I replied to his email asking for clear clarification of those same questions on XXXX. He never replied to that follow up email. 

On XXXX Still having no response to my urgent questions, I sent supervisor XXXX XXXX follow up email and called customer service. They said the only way to communicate my concerns was through email and general customer service ( the only customer service offered ) could be of no assistance On XXXX Again having no response or way to access my {$3000.00}, I conducted a customer service chat and was informed that now the 6-7 day wait time to even get a response from Venmo account specialists turned in to a possible 3 week wait time to get a response. I expressed my frustration and desire to simply withdraw my funds from Venmo. 

On XXXX Still having no response from the account supervisors via email from my emails sent on XXXX ad XX/XX/13, I reached out to Venmo customer service via chat. Once again, I was provided no answer to why my account was suspended, how I could access the {$3000.00} of a balance in XXXX, and no contact information or method to contact a general account supervisor or an account specialist. XXXX 's only solution was to " be more patient ''. 

On XXXX Again having no answer or assistance in accessing my {$3000.00} ( now, 16 days after the original account freeze ), I again sent an email to the account supervisor XXXX requesting an explanation to why my account was in violation and how I could access and remove my funds today. I have yet to receive a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-04
Company: First Data Corporation
State: ME
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX I wrote out a check for a vehicle purchess and after receiving the vehicle I found out there was more wrong with it than I was told, so on XXXX XXXX 2017 I called my bank to cancel the check I wrote. I talked to my banks customer sevice and requested a check cancelation and the person told me my check was canceled and would not be able to be cashed and be back in my acoount in 3 to 5 days. After 3 to 5 days with no funds returned I called my bank again to find out what was going on to find out that they had cashed check and there was nothing I could do about it because I have no control of my own money. I had to call my bank 3 more times to get the paper work sent to me to file dispute. I faxed paper work in on XXXX XXXX after receiving it on XXXX XXXX 2017. They sent me a denial letter dated XXXX XXXX 2017 the same day I faxed paper work back to them. What right does my bank have to tell me what to do with my own money and how to use it after I was initally told my check was cancelled!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a car loan with XXXX XXXX that was paid as agreed and never late. Recently I checked my credit reports online and they have XXXX XXXX showing up with several negative marks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Experian Information Solutions Inc.
State: MO
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 trying dispute negative items on my report since XXXX I am a college student and just been doing my own research and trying repair my own credit to start a business I have contacted all three bureaus and no one will reach back out to me and if they do I was given the run around I have stated laws I have learn which they are in clear violation of nothing this is very frustrating because this has been affecting my life and how I do things please look into this matter and remove immediately

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