BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-06
Company: Self Financial Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Self.inc is a scam when its time to pay you your payout they start to give you a hard time to receive all the money youve been paying them thinking your saving your money and building your credit but no there just stealing your money and reporting your own time payments. I have had this account for over a year my payout was almost done but things took. A a scary turn when I decided to close my account early and receive my payout. Everything went smooth with closing the account and was told I would receive a payout in 14-15 days. As time went on I was supposed to receive a payout instead I got an email to verify my personal information that they had on file since I opened the account. They tried to use this as a reason to deny me my payout. Instead of them just returning the money to the same account I made the payments from they decided to try and find away to not issue my payment. I talked with the company and they pretty much said they have no time frame now for me to receive my money. Which is mine blowing because I never had a problem paying them my money and they was taking it but now I want it back and it seems impossible. They even closed the account out already which is making a negative report on my credit report but that sucks because now they messed up my credit and wont give me my money back that they promise to you in the beginning of the loan and secured card account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: HI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I wish to file a Complaint again XXXX XXXX  XXXX XXXX  XXXX as Trustee XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Attached are Certified copies of it's released of my mortgage ( 7 years ) ago in XXXX. 
Yet it retained a Debt Collector XXXX XXXX XXXX to harassed and terrorized me with legal actions that never materialized. 
Also attached is the Certified copy of the " Deed " registered after my mortgage was released from XXXX XXXX  and currently they file their complaint as Trustee for XXXX XXXX XXXX,,.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, 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 have inquiries and accounts on my credit report that I didn't apply for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
It 's a lot of things on my credit that were paid but, still reflects negative readings which is n't allowing my credit score to elevate accurately. XXXX, XXXX and XXXX are the three main negative items that weighs heavy on my credit report which is preventing me from purchasing my first home.

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 2021-08-23
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Out of nowhere, I have been entirely blocked from making payments on Venmo. I reached out to them initially and they told me to try a different payment method to get around any potential issue with the initial payment method. After trying three different payment methods and trying over the course of a week, I am still being blocked from making any payments to anyone else on Venmo. This is a significant monetary issue for me. I asked for a Venmo supervisor to solve the issue but she repeated that Venmo 's automated system flagged a transaction as risky. However, this does not address the issue that I am still blocked after over a week 's time having tried different payment methods and tried paying different people with different payment amounts. It is not a transaction that was blocked but an error in the Venmo system that has blocked me as a user for no good reason. The supervisor has provided no solution and is no longer willing to contact the appropriate people in Venmo to fix the issue. She could contact the security team, or web developers, or her own supervisor but nothing has been done. I am being denied Venmo 's services which is discriminatory and incurring losses to me. I would like this to be escalated and solved so that I am not unfairly barred from ever using Venmo again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
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: Account status incorrect

Complaint:
I had my vehicle stolen and burned. I contracted XXXX XXXX XXXX about the situation and they told me that was fine and insurance would cover the issue. Insurance took care of the issue several months later, but they claim that I still owe {$1400.00} on the account from the months that were not paid. This has been over several years now. I documentation from them showing that the account is paid in full. Yet they refuse to change it on the credit bureau report and they say that I still owe them {$1400.00}. 

I have disputed this issues with all 3 credit bureaus ( XXXX, Equifax and XXXX XXXX ) and requested a validation and to receive the information from the validation. No information has ever been received from any of the three credit bureaus. Equifax list the amount owed as {$4200.00} ... 

XXXX XXXX XXXX and the 3 credit bureaus have ignored all request in regards to updating this information properly. 

See the enclosed attachments ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This company was contact months ago and so were all 3 credit bureaus. The account in collections was opened fraudulently back in XX/XX/XXXX and this company is purposely reporting this debt as if it was opened in XXXX. This leads to more of a score drop on my credit report and is being done on purpose because XXXX XXXX  XXXX is aware that the account was is set to fall off in 7 years ( XX/XX/XXXX ) which was confirmed by all 3 credit bureaus however this unscrupulous bill collector is reporting the account being opened this year XXXX just because they bought the debt which should not be allowed by the credit bureau and should not be done by the collection agency. This is a ridiculous attempt to not submit the correct information and it needs to be reported correctly which is it was opened in XXXX NOT XXXX. 

This debt needs to be reported correctly it was last delinquent in XXXX and is set to fall off the credit report XX/XX/XXXX, therefore XXXX XXXX  XXXX should not be allowed to report fraudulent information as if this account was open and first because delinquent in XXXX to the credit bureaus and the credit bureaus should NOT allow this practice to continue for anyone, very unscrupulous behavior and XXXX XXXX  XXXX has been notified and have made no changes.

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 2015-07-16
Company: Mark A. Kirkorsky, PC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
The debt was charged off as a profit and loss cross collateralizion of home equity line of credit and a credit card in 2008. XXXX XXXX XXXX XXXX hired the firm of Mark Kirosky to file a judgment. The debt originated when I lived in XXXX. I was sued after I moved to XXXX. I have been a XXXX residents for 7 years and the law office of Mark Kirosky continues to send writ of garnishments to all of my employers. Every employer has interpretated the withholding in XXXX differently based on whether or not they have offices in XXXX. Even though I live and work in XXXX. XXXX XXXX allowed my wages to be garnished. However XXXX XXXX XXXX has not. My company got bought out by XXXX XXXX XXXX based out of XXXX. However I still work and live in XXXX. I spoke to my new HR admin about my situation and she is researching on whether my wages can be garnished or not. However XXXX law prohibits this practice. But my employer may not want to be involved in this matter and take the path of least resistance and allow the garnishment. 
Also Mark Kirkorsky office pulls my credit every 60 days. They continue to re-age my debt even though I have made no contact or any payments. They have been unscrupulous and send legal documents monthly. They do not have the right to garnish my wages in XXXX for an unsecured consumer debt. They can not falsely report payments and delinquent payments to re-age my debt with credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have no knowledge of this claim. I believe this is an inaccurate filing against me.

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 2021-08-23
Company: CAINE & WEINER COMPANY, INC.
State: CA
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:
There is a collections amount of {$250.00} from XXXX that does not belong to me. The account number as shown is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage with Fifth third Bank and qualified for a FHA loan XX/XX/2022. The loan went to underwriting on XX/XX/2022 from there on challenged what my last name was even after I presented everything thing they request ; driver license, social security card, tax returns, paternity letter, birth certificate, check stubs. This went on for three months when my closing date was set for the end of XX/XX/2022. Even after my identity was cleared up FHA continued to ask for letters to explain who my wife is and if we were married, inquires on my credit report, my past residence, among other letters that I provided to them repeatedly up until the seller cancelled our contract on XX/XX/2022. I feel discriminated against because even though it all each time I tried to contact fifth third bank via phone I could never get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Everytime I use my card on their app my purchase goes through but then they cancel my orders so frustrating call them and they dont care so I cant buy anything online anymore because they wont let me and refuse to fix this issue and concerns my credit card goes through my red card but they wont allow me To place online orders they want me to go to a store then whats the point of having this card if you wont let me Shop online like everyone else not fair

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
When I moved to XXXX XX/XX/2011 I lived for tree months in XXXX with friends after that I moved to XXXX but after the I start receiving call from a collection agency asking me to pay my bill to XXXX XXXX I told them i do n't have account with no body I still new in the XXXX I never have a Appartement under my name yet but they put it in my credit and now when I Learned a little about credit I dispute it but the credit bureaux they keep report it, I ca n't pay a bill not mine please make investigation I need help because this is what 's happened

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Thereto the law of the FDCPA XXXX XXXX and his letter alleges to be a customer advocate for SPS on behalf of XXXXXXXX XXXX XXXX the alleged original lender. The alleged original lender has never attempted to collect an alleged debt nor has said company that being XXXXXXXX XXXX XXXXXXXX has ever contacted the customers herein this matter. Therefore XXXX XXXX and SPS along with XXXX XXXX XXXX XXXX XXXX [ XXXX ] and others not limited thereto employees of all said companies former and present are being forewarned that the mentioning of a debt without verification and validation is a Fair Debt Collection Practice Act issue and shall be addressed herein. XXXX XXXX on behalf of all mentioned companies have lied, he nor any company has ever attempted to validate nor verify this alleged fraud debt. There is no contract between XXXXXXXX XXXX XXXXXXXX now doing business as XXXXXXXX XXXX XXXXXXXX and said company has never attempted to contact the customer. As such this notice of Default and dishonor has been forwarded herein thereto all in this matter and collections has taken place with interest and such shall be filed in Federal Court within the USA.

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: Collection at Law, Inc. A.P.C.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX is using collection at law inc. A.p.c./ XXXX XXXX XXXX XXXX bar # XXXX ) to sue me and has been non negotiable for the last XXXX years. I have XXXX in debt that I was unable to pay during covid, as I faced over an entire year of pandemic unemployment and for a half a year previously due to work related XXXX XXXX injury, and 2 forced home relocations during pandemic and riots in XXXX XXXX . I attempted to negotiate hundreds of times over these 2 years since account closed, mostly with no answer, or weeks in between answers, answering machines, zero returned calls, constant denied extensions and offers. They offered to settle in 2019 for 12500, or XXXX per month, which I did not have at that time. Hundreds of calls and offers to them later, they then said I could settle for 18k which I was going to pay lump sum after receiving my worker comp settlement, but had to pay doctor, medication, and moving costs to move again unexpectedly during covid and was then again unable to pay that 18k lump sum. They then said my payment plan would be set at XXXX month, with no ability to negotiate anymore, which I just can not afford. I feel like this had been years of abuse and neglect, as I wanted to pay them but in a rational livable way. I asked to settle again for their previous offer of 12500 or XXXX per month and was denied by the bank directly and by the lawyer they use. Now I am served and have to face court in XXXX, for a debt ive been trying to pay, while suffering from this work related XXXX XXXX, having severe XXXX XXXXwice, 2 relocations in XXXX years during pandemic and riots, unemployed for a year, no family support or significant other. I have no money for a lawyer and the stress of this lawsuit along with the fear of poverty and continued strain on my health is extremely damaging. The lack of compassion and neglect during covid that this bank and lawyer have shown is inexcusable and this cas should be thrown out completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
TransUnion has blocked me from getting my credit report online. This is preventing me from being able to monitor my credit report for fraudulent activity. I am paying TransUnion to be able to monitor my credit score & report but ca n't update or view anymore reports from them due to the block. I 've attempted to call TransUnion and I get transferred to the fraud department which then transfers me to some some special Priority department voicemail. I 've left several voicemails and they do not return phone calls.

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 2022-02-24
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 I submitted two different disputes with PNC. I originally went online to check and see the date that a transaction posted for an order which I never received- however- when checking my account transactions I noticed a transaction I didnt make at all. So I called to dispute both transactions- one for an order I made and didnt receive and one for a transaction I did not make. I was told that I would receive a credit for each of the transactions within 10 days. I received a credit for one of the transactions ( the one I did not make ) a few days later- but after 2 weeks I still did not have a credit for the one which I did not receive the merchandise- so I called PNC. That rep told me that it was 10 business days that I had to wait and since it was the 10th business day I should have a credit by the end of business that day. The next day I still didnt have a credit so I called again. This time I was told that it wasnt 10 days I had to wait but possibly 30 days. This rep said he usually works in a branch and sees these kinds of disputes all the time and has never seen one take more than 3 weeks. So I waited until the 3 week mark and messaged customer service through the app and was told that it can actually take up to 90 days. The reps continually tell me that I can contact the merchant which I obviously did prior to contacting PNC. They were not helpful when I contacted them. The rep also said it is a non fraud dispute so they take a long time. But I do not understand how it is not fraud? I someone says give me money and I will send you a product but then they dont send it- that surely feels like fraud. I really need access to these funds and I wouldnt have asked PNC for help if the merchant was willing to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
American Express closed my account, as American Express had just charged me with an annual fee, I requested a refund. Heard nothing from American Express. Understand this is American Express standard operating procedure, not providing refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: EQUIFAX, INC.
State: CA
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:
This company was contact months ago and so were all 3 credit bureaus. The account in collections was opened fraudulently back in XX/XX/XXXX and this company is purposely reporting this debt as if it was opened in XXXX. This leads to more of a score drop on my credit report and is being done on purpose because XXXX XXXX  XXXX is aware that the account was is set to fall off in 7 years ( XX/XX/XXXX ) which was confirmed by all 3 credit bureaus however this unscrupulous bill collector is reporting the account being opened this year XXXX just because they bought the debt which should not be allowed by the credit bureau and should not be done by the collection agency. This is a ridiculous attempt to not submit the correct information and it needs to be reported correctly which is it was opened in XXXX NOT XXXX. 

This debt needs to be reported correctly it was last delinquent in XXXX and is set to fall off the credit report XX/XX/XXXX, therefore XXXX XXXX  XXXX should not be allowed to report fraudulent information as if this account was open and first because delinquent in XXXX to the credit bureaus and the credit bureaus should NOT allow this practice to continue for anyone, very unscrupulous behavior and XXXX XXXX  XXXX has been notified and have made no changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
credit bureau TransUnion not showing my correct information disregarding official state records open for public:1. as my employment history -I was working with XXXX since XX/XX/XXXX until XX/XX/XXXX with XXXX since XX/XX/XXXX till present2. as my correct name -they showing XXXX names for me instead of oneI am XXXX XXXX only not anybody elsedisputed the same issues with XXXX and they promised to fix it, hopefully they will as well as othersPlease help me out because these situation continuing for a years and they are not helping at all

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief