BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXXThe List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX States i have the right to privacy. 

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

XXXX XXXX XXXX ( a ) ( XXXX ) 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 andantes the report by more than XXXX XXXX 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause 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 2023-05-11
Company: SUN LOAN COMPANY INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXXXXXX XXXX XXXX I sent out communication through the CFPB to dispute the inaccuracies on my credit report, The credit agencies claimed that the item was validated by the debt furnisher as accurate. I have found multiple inaccuracies. I have reached out on multiple occasions about the issues reporting inaccurate. Not only are violating my right to privacy by reporting these inaccuracies and didn't get written permission to provide. According to FRCA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. This never occurred during or after 30 plus day investigation by debt furnisher. Now because of violations either provide {$1000.00} for every violation or deletion from credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Paypal Holdings, Inc
State: WA
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:
I used my PayPal account linked to my XXXX XXXX card to purchase a {$0.00} person lookup through XXXX. I looked over everything and no where on any information provided did it say I was signing up for a {$29.00} monthly plan. After I entered my credit card I received no results were found on the person I looked up, then found out 2 months later I was being billed ongoing for a service I never agreed to. I went into PayPal and canceled the ongoing payments, and immediately disputed this, and contacted the XXXX  and XXXX XXXX. Both PayPal and XXXX have replied I didn't provide them with enough documentation so they denied my claim and my refund. How on earth do you prove a negative. I demand for them to prove I agreed to this and received anything of value and they are not performing their responsibility. The legal burden of proof is on them to show where I agreed to this contract. Please help me to enforce my rights on both these companies and hold them to their agreed responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: 21ST MORTGAGE CORP.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I am currently on a XXXX  agreement between 21st motgage and myself. The lawfirm that represents them is XXXXXXXX XXXX XXXX  I have been making payments and ever since i filed my last complaint not only did they stop calling me they refuse to speak to me on the phone about my account or answer any questions about my account. Ive reached out to their lawyer as well they just sent a letter to my job for notice of default I made this payment already on XXXX the letter went out the XXXX. I just called 21st mortgage and i was transferred to XXXX they said they dont have my account ( im not sure why i was transferred thre ) the lady that answered gave me XXXXXXXX XXXX XXXXXXXX which Im assuming is XXXX XXXX and she never answers or responds to any emails also I submitted a request for this agreement to reflect on my credit bureau since it is an amendment and I am making payments they refuse to do that as well I feel they are retaliating against me for filing a complaint because Ive called before and I was told they cant talk to me because of the complaint I filed. If they are doing their job in a professional manner and according to the law then it wouldnt be a problem but these ppl make it more than difficult to deal with them but they are quick to send letters and threaten with legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
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:
On XX/XX/2022 I sent in a dispute letter addressing the information that on the credit report. The agency sent me a letter in return stating the information was correct and in fact according to The Fair Credit Reporting Act Section 609 ( a ) ( 1 ) says they are require by FEDERAL LAW to verify, THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT, ANY AND ALL ACCOUNTS THAT YOU POST ON A CREDIT REPORT. They have FAILED to mail me proof of the investigation or delete the negative information. 

I asked them be specify on how the item was verified. I went on to ask to Please do not provide me with the generic response on your e-Oscar procedure but the FACTS of how was. the item verified since there verification by law. 

I asked the agency to provide evidence of their authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

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 2023-07-13
Company: Source Receivables Management LLC
State: WI
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:
XXXX XXXX and XXXX XXXX reported late payments when they were XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Exeter Finance Corp.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Two events which leads to credit scoring and auto payments impacts. : I believe that I am a consumer targeted in unfair practice by XXXX and its auto lender Exeter Finance. In XXXX  I purchased a XXXX XXXX XXXX  used from XXXX. Due to the urgency of the need of the car to get to work and having very little downpayment cash, XXXX offered a {$2000.00} trade in on my vehicle that was performing badly- towards the cost {$24000.00} purchase. During the XXXX hour, I was faced with signing for a 9 % interest rate. Things snowballed from there when a year later the pandemic hit. I contact Exeter about possible moving 2 payments to the end of the loan, however Exeter customer service would just ask me to update my account information and if ai had any relatives to pay the bill. Since covid, I was XXXX XXXX XXXX and had income cut in half. As I pay the monthly bill, I am still 2-3 months behind and with {$16000.00} left on the loan and I get up to 4 calls per day about the arrears although the company is aware of my stressed and stretched income statue the company will not make any concessions. These 2 events has aided to my credit score Constantine dropping. I live in fear everyday of my car being repossessed and the company lack of assistance. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: FinCo Services Inc DBA Current
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I tried to submit a check with mobile checking and they kept sending emails to resubmit I contacted them about to explain to them that it would come off fraud they kept saying that it was the images they couldn't read now I get a email they closed my account for fraud when it's their fault I had money in the account. I called to speak to the fraud decision I find out they have no number for now they stole money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
There was a check cashed by teller to XXXX XXXX, he walked in and cashed a XXXX check and it overdrawn my account and Bank of America refused to help and talk with teller that cashed the check. Then after I couldn't repay they closed my account. This check was to a contractor that made give a estimate of work to be done, work was not done correctly. I had this account overdrawn and contractor didn't complete the work.

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 2023-07-13
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XXXX of 2022 I opened up a Wells Fargo checking account and had opened it in part to receive the XXXX dollar bonus that would come after 90 days of the account being opened. I experience a horrible headache trying to succumb my bonus of XXXX dollars and the bank determined I could not get the bonus, HOWEVER, I received in email stating due to the inconvenience I would get XXXX dollars as a courtesy credit. I did not get that neither. This is why Im reaching out to CFPB not for the bonus but for the funds I was told to receive that the bank is stating they never stated. I have called Wells Fargo over 7 times since opening the account. At first it was trying to see about the Bonus, but very recently it has been for the courtesy credit since a determinations factor of the bonus had already been denied. I do not have the email any longer from Wells Fargo but I believe that they should as they are the ones that send them out. I can only view the email for up to 60 days before it is deleted and it has been well and over that deadline.

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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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. 

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 inructions 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 2023-07-13
Company: Spring Oaks Capital, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am not liable for any of th accounts listed I do not have contracts with these companies and they did not provide me with original contracts as I requested I reported them as fraud it is way over 30 days since last contacting them below are the companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: TX
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:
I need the negative item removed from my Experian report ..it has met the longevity requirements and needs to be removed .has been deleted form previous credit agency

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 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that the credit reporting agencies didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-07-13
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I found a home online through XXXX and rented a home and have been paying rent to whom I thought was the owner since XX/XX/2023, I have lived in the residence for 7 months, and I found out last month that I was a victim of a rental scam. The property management of the home I reside in served me with a dispossessery notice to vacate in 7 days.I have paid XXXX $ in rent and now I do not have anything to move with. I have filed complaints with the FBI, the FTC, my bank, the police dept, and the sheriff 's dept. I have lost my hard-earned money that no one seems to care about or even want to help me get back. I am the victim, I have nowhere to g, o and now, no money, this is completely and utterly not fair. I should not be penalized for someone else 's criminal actions toward me, I am the victim

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 2023-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a standard credits card with CapitalONE bank, with a credit limit of {$500.00}. 
I am an XXXX XXXX I wanted to use the card to make payments, planning to payoff the full statement amount every month. 
I do not intent to have a credit in time, I am living with XXXX debt and I will keep doing so. 
I requested this new card because I had a credit score of XXXX, and I am aiming to reach XXXX. 
The system told me it was needed to increase the credit account numbers I have. So I requested the CapitalONE credit card. 
I received it a couple of months ago. 
During the request process, I had to upload to them the requested documents at least XXXX or XXXX times. They were keeping asking me to repeat the upload. Finally they released the credit card. 
One day, while paying at a gas station, they blocked it. And I had to upload again and again the same documents they already asked me few weeks before. Eventually they unlocked it. 
Then a few weeks ago they charged me the full statement about twice. So the debited my bank account for twice the full statement amount, going into a negative credit card balance ( balance of about minus XXXX XXXX and XXXX dollars. 
Buy right after, they blocked the card again, requesting again and again to upload the same documents as before. 
I uploaded as usual, as a proof of address, a recent bank statement, plus my XXXX XXXX XXXX mobile invoice, the bill of my vehicle insurance, the invoice of my medical plan, and more. My Company pays me the residence and all utility bills, so I can not produce landline or electricity bills. But I gave them a signed and stamped letter from my Company ( in a letterhead paper ), explaining the situation, and confirming my residence address. 
Anyway, all the uploaded documents have previously been evaluated positively, because with those they initially released the card ; and with the same documents they unlocked it the first time they locked it. 
Buy now it is several weeks the card is still blocked, I also have s credit ( my balance is XXXX ), I uploaded again and again all the required documents, but still they keep my account blocked and they keep my credit. 
No explanation given. 
Please note they accurately never write anything, but they call, so to do not leave any trace of what they are doing. For example, there is no trace of my 10+ uploads of the same documents, over and over. 
Of course I deeply regret I started to engage with XXXX, XXXX requesting their card obviously made my score to decrease for their hard check. I do not want to start again with some other bank, so I have to stick with them. 

Please assist me on unlocking my account. Please advise if I have to take any further action, and which one. Thank you in advance for the assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: OPTUM BANK, INC.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Date : XX/XX/2023 Amount : {$930.00} Company to provide refund : XXXX XXXX XXXX, MI XXXX XXXX Company to provide credit : XXXX XXXX XXXX Problem : Due to overcharge XXXX XXXX XXXX XXXX tried to pay me back {$930.00} as a credit to the original form of payment, which was my HSA ( Health Savings Account ) through " XXXX XXXX XXXX 
XXXX XXXX  claims they never received the funds from XXXXXXXX XXXX, making the amount disappear. XXXX XXXX claims their transaction was successful on their side ( and do not see any failure or a credit to them later ). 
Prior to the above ( around XXXX ), I had requested for my HSA funds rollover to a new HSA custodian- '' Benefits Wallet '' ( the new HSA custodian for my employer ). The day the transaction happened, XX/XX/XXXX, XXXX XXXX  closed my account with the rollover to Benefits Wallet. 
I did notice a " pending transaction '' in my XXXXXXXX XXXXk HSA account for XX/XX/XXXX, but it disappeared later. That suggests to me that the transaction was attempted with XXXX XXXX 
I have contacted both XXXX XXXX XXXX XXXX XXXX numerous times, but the situation has not changed. The amount, supposed to be given to me, has disappeared. 

Appreciate the support and response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Dave Operating, LLC
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I opened an account with XXXX, an online payday loan application ( their website touts it as a " cash advance '' but you're really just borrowing money from your payday UNTIL your payday ). Regardless -- I opened an account with them in XX/XX/XXXX. I paid a {$1.00} fee and connected my bank account through a third party website and began to utilize the services. You see, you connect your bank so your recurring deposits can detect your paycheck and the system can ensure you're paying your advances back on time and not until your paydate. If you're paid monthly, your balance settles monthly. If you get paid bi-weekly, it settles bi-weekly. I myself am paid bi-weekly and took my first advance XXXX XX/XX/XXXX with no issue. I paid it back as agreed ( I borrowed in the middle of a payperiod ) on Friday, XX/XX/XXXX. I took another advance on XX/XX/XXXX and was surprised when it came out of my account on the XX/XX/XXXX because my profile reflected that I am paid bi-weekly and wasn't expecting to have it paid back until the following week. I contacted XXXX support and was advised to make sure my income was correct and to let them know next time and they could change my advance date. 

Since then, I have had to submit a ticket EVERY TIME I do an advance to change my payback date. My income is correct in my profile, my check stub has been verified I have done every single thing they have asked me to do and sometimes if I don't catch their support team in time ( like today, I took an advance out XXXX days ago that I saw is going to settle tomorrow, again in between my paydates ) I was advised they wouldn't change my payback date because it was already too late. I'm paying a fee EVERY time a payback is made. Every single time. Their website says that you can take advances until your paydate and to pay back on your paydate and their software is integrated so that it's supposed to detect your income. It all just appears to me that this is an online company taking advantage of consumers by charging them extra fees when they advertise differently. Shame on them.

Company response to consumer: Closed with explanation