BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 am writing this as a federally protected consumer, with no third party involved. I have been working for months trying to get negative information deleted from my consumer report. I pulled my credit report on XX/XX/2022 from Transunion, XXXX, and XXXX and I noticed that all three consumer reporting agencies have different information. I contacted all three consumer reporting agencies MULTIPLE times to have this situation handled. I am tired of waiting months on in for them to " investigate '' and claim that the information has been " verified. '' This is unfair to me as a consumer. This complaint is in regards to my XXXX Credit Card with XXXX XXXX. According to my Transunion report that I pulled on XX/XX/2022 directly from their website, it shows a 30 day late payment in XX/XX/2022 and XX/XX/2022. According to my consumer report from XXXX dated XX/XX/2022 pulled directly from XXXX website, XXXX is reporting a 60 day late payment XX/XX/2022 and XX/XX/2022. According to my XXXX Consumer report pulled on XX/XX/2022 directly from XXXX website, XXXX is reporting a 30 day late payment on XX/XX/2022 and XX/XX/2022. There is a huge discrepancy and shows that this information is unverifiable and therefore inaccurate. 

Pursuant to Fair Credit Reporting Act Section 607b, " Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' This account clearly does not comply with Federal Law. None of the Agencies performed their duties to ensure my consumer report is accurate. Also Fair Credit Reporting Act Section 602 ( 3 ) ( 4 ), " Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Transunion, and XXXX are violating my right to privacy and is being unfair by reporting this erroneous, and inaccurate information to my consumer reports. I am also aware that I am entitled to damages pursuant to Fair Credit Reporting Act Section 616 for willful noncompliance. After multiple attempts of calling numerous customer service representatives and listening to tell them tell me they can't delete this from my consumer report, my patience is completely through. This has caused me a serious amount of stress. I have never received proof of these alleged late payments.

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 2016-09-19
Company: CFM Group LLC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was harassed by a company called cfm about a debt over a credit card machine from XXXX, I had started a small business, I started seeing fees and money being syphened out of the account by XXXX, more than the terminal was processing, the location was then moved and the rep switched out the machine, still money kept getting taken from them and the account was cancelled, there re rep was no longer available, and they all of a sudden called me out of the blue threatening me about a account balance, for the agreement on the machine, we agreed to a settlement, then i started getting more calls turns out the rep redid the contract for an additional 3 yrs with a new account number and now they are threatening for payment on that, again a settlement was reached and now all of a sudden XXXX put a unpaid balance on my credit report, as it stands i finally got an email company poorly written of the contract which does not contain my signature but some else signed my mane too, there rep rep )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-22
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My student loan was with Navient and was past due but went through a recovery program and was transferred to XXXX in 2018. I am trying to get approved for a mortgage however my credit report is still showing that I have an open loan with Navient that is over XXXX day past due. I have called Navient twice. The first time I was told once that I would qualify for a " XXXX time courtesy update of my credit report '' I called back after XXXX business days and was told that it was rejected. I asked why and was not given any answer. I asked that a XXXX ticket be put through explaining that I need the reporting to show no past due balance and that the loan is closed. I was told that this would take typically up to XXXX months to be processed but they would ask that it be " escalated ''. Navient does not notify anyone when a ticket is rejected or accepted so there is no way for me to know when or if this will happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: IL
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:
accordance with the Fair Credit Reporting act XXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: JPMORGAN CHASE & CO.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
debt is not on my credit report they are saying that I will be served or I missed the sheriff who came with the summons! or they sent me a letter ( which I never received XXXX they give me my social security number and my current address XXXX scary ) They told me they could only give me my pay off opts so I could settle the debt asap! They will not give me the court or anything else since I am being sued! The is the XXXX time they have call in in the last year and gave me the same story. They are getting more risky they gave me a address this time but I looked it up and I still cant find information about them!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: JPMORGAN CHASE & CO.
State: VA
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 disputed 2 fraudulent XXXX  charges with Chase, my credit card company and they claim that these charges are not fraudulent. I asked them to review this a second time and they state that they have reviewed it and I indeed receive the service. 

The charges were on XX/XX/2020 for the amount of {$560.00} and XX/XX/2020 in the amount of {$1000.00}. 

I am even willing to show them my XXXX account that doesnt have any of these rentals. I have attached a screenshot of my profile and the trips to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
It appears XXXX XXXX inappropriately shared banking information with a 3rd party company and processed servicing rights without prior communication or authorization. Heartland ECSI CSR states that banking information would not have been transferred with their account ; however, they pulled money out of and the put back into my account in their company 's name. After the transfer, and communication I set up direct debit but they did not process my quarterly payment XXXX/XXXX/2015 and charged a late fee. The CRS stated I would have to talk to XXXX XXXX about a refund of that fee and claimed I set up a one time payment and not recurring despite their system stating " Starting XXXX/XXXX/2015 quarterly XXXX ''. The transfer process and lack of accountability is unprofessional. I contacted XXXX XXXX in XX/XX/XXXX and they said to talk to ECSI the new servicer and ECSI states to talk to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS TWO LATE PAYMENTS ON MY XXXX XXXX AUTO LOAN ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
On XX/XX/XXXX Coinbase disabled my account due to security reasons. I simply asked about a charge on my account that I totally forgot I made! The charge was for XXXX dollars. After asking about the charge coinbase automatically disabled my account without even investigating or anything!! This is totally not right when Ive got A LOT of money on there. Now here it is 19 business days and 25 total days that I havent had access to my account! This is a problem that I should be able to call coinbase talk to a live person and get this issue fixed within 30 minutes! Coinbase doesnt have a customer support team at all! There is no one to talk to ive only gotten generic emails back saying they are working on the issue and usually takes 4-5 business days to resolve. Ive emailed them at least 10 times and only get the same email back. Please please please help me in any way you can! That money I have on coinbase is a lot of my life savings.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-14
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Account # 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 2023-01-30
Company: Paramount GR Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX of 2021, GoodLeap/LoanPal mistakenly backdated a solar panel loan. This was resolved through XXXX  complaint XXXX. 

GoodLeap has now filed a delinquent report over the same period where they were erroneously demanding payment that was not owed. 

An attempt was made to contact GoodLeap to correct their erroneous report. Their representatives refused to take any action, and merely suggested that a dispute should be filed with XXXX XXXX XXXX', which is neither a solution nor possible for a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In trying to unlock a credit freeze Equifax login would not work. I previously had set up a log in username, password, and pin and in the past have been able to manage my credit freeze this way. On XX/XX/XXXX I lifted a credit freeze with XXXX XXXX and XXXX  but was unable to do with Equifax. I tried to reset my password, but the system asked me questions about my credit file that I could not remember and then gave me a message to call XXXX. When I called in, they asked other questions that I could not remember like when I opened an account 4 years ago or some cryptic name that a bank has on the report. Then before I speak with a customer service rep the system automatically hung up on me. I tried calling three more times that day to avail. It was either on the phone or online that the automated system indicated that I could get my credit report by mailing in my personal information. I sent in my information sometime between XX/XX/XXXX XX/XX/XXXX and received my credit report about 10 days later. The report is dated XX/XX/XXXX. 
On XX/XX/XXXX I tried to reset my password again but was unable to do so and got the message to call XXXX again. I used my credit report that had been mailed to me to more accurately answer the questions asked by the automated phone system. I finally got through to a customer service representative and after many more questions she told me that I needed to clear my browsing history from my web browser and try to reset my password after waiting 30 minutes. I complained to her about how long it had taken me to get to her, but she just started repeating the instructions until I realized she was not going to help me any further. I followed her instructions, and I was still not able to reset my password. Any other company in the world has the ability to force a reset of a password so I find it hard to believe that Equifax is the only company that lacks this capacity. Therefore, I feel as they are purposely making using a free service difficult and that should be illegal. 
I have tried again today, XX/XX/XXXX the same process of first trying to rest my password online but the system immediately indicates that I need to call XXXX. I called and followed the prompts and using my credit report to answer the questions, I was denied speaking with a customer service representative. I looked everywhere on the web site for a different way to call in and did find a different number, but it leads to the same prompts as the other number. 
I am trying to refinance a home and a company that I am a partner in is trying to finance a large equipment purchase ; this lack of access to my frozen Equifax has become a hardship and I am unable to speak with anyone at Equifax to come to a resolution. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: GOLDMAN SACHS BANK USA
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:
This problem has been ongoing since XXXX, I have had to open multiple disputes through Apple credit card ( goldman Sachs ) and every time I open disputes, they ALWAYS favor the merchant ( XXXX ) There were multiple unauthorized purchases on my card through XXXX, XXXX helped with most of them besides one order that was {$1400.00}. My credit card issuer Goldman Sachs is saying that the dispute keeps favoring them no matter what evidence I give them.

I really want to sue or something, I have no idea what to do now. Goldman Sachs wants me to pay them the full XXXX no matter what. I did not make this purchase through XXXX. 
Order was made on XX/XX/XXXX, and I had to open like 10 disputes already through them. 
XXXX said they cant refund it because my account was closed or suspended ( because it was hacked ) but no idea why they wont help at all. 
I do not plan for paying this AT ALL. 

If you need proof of anything, let me know please

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
XXXX/XXXX/15 - TD Bank assessed a {$35.00} OD Paid fee due to PENDING debits reducing my balance to less than what was available for items posting. TD 's response " While you are not charged an overdraft fee for a pending authorization, even if it brings your balance negative, the authorized funds are deducted from your available funds. '' It seems that the consumer IS being charged for pending transactions. Technically those funds should still be available for use for other transactions since the merchant has not sent it through for payment and IF when those pending items come to post in the future they THEN should be assessed fees should funds be unavailable.I was told it was assessed to a {$10.00} transfer to my other TD Bank account I share with my son. 

XX/XX/XXXX Same scenario. A {$5.00} pending transaction and a recurring XXXX transaction that brought the account over by XXXX CENTS ( additional debit card transactions totaling {$10.00} over drafted the account further, even though the XXXX online statement shows my ending balance being - {$5.00} ). 

XX/XX/XXXX - When I noticed my account was over drafted in the amount of $ XXXX - which included the ending balance of - {$5.00} from XX/XX/XXXX ( inconsistent from the attached letter from the bank ), along with the following pending items : recurring Debit of {$10.00} from XXXX and that SAME {$5.00} XXXX that was pending on XX/XX/XXXX, and XXXX - {$1.00} gas authorizations - I immediately deposited {$20.00} at the branch and transferred {$14.00} from my other accounts to cover these items before they posted and over-drafted. I contacted the bank and told that II was charged an OD Paid fee for the XXXX transaction according to TD banks representative which brought my negative balance to {$45.00} approximately. 

XX/XX/XXXX - In reviewing my account this morning, I see that due to TD bank assessing the OD Paid fee, my deposits were wiped out and I have been assessed yet ANOTHER OD Paid fee for the {$10.00} XXXX charge - even though I took measures to ensure it was covered. 

I have requested from the bank the {$100.00} in fees be refunded as the information that I see online is inconsistent with the information they communicate AFTER they 're assessed the fee. They have refused. Also, they are charging fees based on the deduction of PENDING charges - money that has NOT been paid out to the merchant. 
I did not want to take these drastic measures for fear of them closing my account, but I feel I have no choice as the customer service representatives obviously simply do not care.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-04
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I leased a XXXX  XX/XX/XXXX. I tried to pay through the website XXXX, but could not set up payment with the VIN, as it indicated I could. I needed an account number. I called the dealer but they were not affiliated with the finance company. I contacted the finance company, but they only had my previous car loan information. I sent an email XX/XX/XXXX to customer service through their website requesting an account number and never received a response. On XX/XX/XXXX, I received a phone call from the Hyundai Finance collections department attempting to collect a past due debt. I had to press them to look into the account and they indicated my first bill was issued XX/XX/XXXX, two weeks after the first due date. I had not yet received the bill at the time of the call. When the bill came it showed the account was past due. The collections agent agreed to waive the late charge and took my payment over the phone. I received a phone call XX/XX/XXXX, again from the collections department attempting to collect a past due debt. They told me the XX/XX/XXXX payment was not made. I paid it again, and I paid for my upcoming XXXX payment. Afterward, I examined my bank account, I saw that money was taken from by bank account XX/XX/XXXX, issued to Hyundai Finance. I called their customer service. They told me the payment was not made. After pressing them and some time into the conversation they found they had applied the payment to the wrong account. I was told a refund would take 30-45 days to process. I am without this needed money and they will not return it for 30-45 days. How can this be legal? How can a finance company be this incompetent? Surely this company is not following guidelines. Something should be done to prevent them from operating in this way. They did not provide a method to pay, then harassed with collections, then took money and didn't apply it to the account, and then refused to return the money for 30-45 days.

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 2016-12-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I was late 3 days on a payment and as a result Wells Fargo did not apply payment to my HELOC. No attempt was made to call me until late XXXX at which point the account was past due and late fees where added. Had WELLS FARGO atempted to call me the payment of {$130.00} would have been taken care of. I deposited {$150.00} to be taken out automatically like always that check cleared my bank account on XXXX/XXXX/2016 .The overdraft fees and late fees blew my payment up over {$40.00}.

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 explanation