BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-27
Company: BANNER CORPORATION
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a banner Bank account that went delinquent and was closed at {$240.00}. I did not realize that the account had allowed final deductions than then resulted in overdraft fees. XXXX obtained the account and they garnished my wages for a total of {$580.00} and are still wanting another {$290.00}. I know that collection agencies often purchase debt for ALOT less than owed. So my problem is since they have made double what my original owed amount was I believe this to be a fraudulent and heinous act. In hopes of taking advantage of someone and taking their money for an accidental mistake that is now Infringing upon their credit score and life. They will not communicate with me nor have they sent any mail correspondence either. I have attached the copy of my pay stub and to what they had deducted from there. XXXX XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: AMERICAN EXPRESS COMPANY
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
in XX/XX/2020, I paid off XXXX balance on my American Express card. They continued to charge me interest and now are increasing. I probated this in XXXX and again today. The original interest charge was XXXX, today they say it is XXXX. 
I also cancelled the card today. 
I paid XXXX today, but under protest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
After recent review of my Credit report ( s ), I found that there are numerous Hard Inquiries on my report that I did not authorize. The following are those inquiries I am referring to. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-01-07
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Subject : Complaint against PayPal Dear CFPB, I am writing to complain against PayPal for limiting my account and holding my funds without a valid reason. 

On XX/XX/, I received a notification that my PayPal account had been limited. PayPal claimed this was for security reasons, but did not provide any further information or explanation. I have attempted to contact PayPal to request more information and to have my account reinstated, but have not received a satisfactory response. 

I believe that PayPal has engaged in unfair and deceptive practices by limiting my account and holding my funds without a valid reason. I request that the CFPB investigate this matter and take appropriate action to help me retrieve my funds and reinstate my account. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: Experian Information Solutions Inc.
State: MI
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:
There is information on my consumer report thats is identity theft. I did not provide written permission or instruction for these transactions to be reported on my consumer report. Im requesting that this info is blocked and deleted immediately. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint is not handled accordingly. I have not been able to purchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit XXXXXXXX. I attached a letter along with ftc report.

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 2022-08-10
Company: BMW Financial Services NA, LLC
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, BMW Financial Services Acct # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
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:
In accordance with the Fair Credit Reporting act XXXX 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 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 2022-04-13
Company: Harvard Collections, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I notified Harvard Collection Services LLC on XX/XX/XXXX regarding a class action law suit against XXXX XXXX XXXX XXXX XXXX XXXX which was the supplier of my XXXX XXXX XXXX account. I informed them that these charges were inflated charges that resulted in a class action law suit for several claimants, myself included. I spoke to XXXX XXXX, today XX/XX/XXXX at XXXXXXXX XXXX and she informed me that she received my documentation and my account has been placed in dispute status of XX/XX/XXXX. However, despite my account being placed in dispute status, Harvard Collection Services continue collection actions as I received a letter ( dated for XX/XX/XXXX ) today XX/XX/XXXX. According to the Consumer Financial Protection Bureau and the provisions of the Fair Debt Collection Practices Act, the collection agency must stop all collection activity once a dispute has been received and the required verification has been provided to the consumer. Their continuance to collect this invalid debt is a violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-01-07
Company: Avant Holding Company, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I called this company called avant. 
Avant customer service is HORRIBLE! 
One thing they cant assist me because they dont speak XXXX? Ok first of all how I am supposed to communicate with them. I translated this through XXXX translate to write this review. I only speak XXXX. So they refuse to help me. They are HORRIBLE people. And on top of that they hung up on my daughter as she tried to assist me. 
How can a agency not provide the appropriate help when calling. What kind of credit card is this. Please never ever get this card. I never actually received card in mail its been 3 weeks no resolution no help now what. I will not pay no annual fee for what a dare that was NOT received

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
State: CA
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:
Sent countless letters to XXXX regarding multiple debts on my credit report for correction and or proof item is mine ; XXXX never sent me anything and I believe an investigation was never performed. It also took XXXX more than 30 days to return anything and when they did it was just an update via email more than 30 days stating the information is correct when it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: EQUIFAX, INC.
State: VA
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:
Date of Dispute : XX/XX/2020 Time of Dispute : XXXX EST I contacted Equifax through my XXXX  account to dispute a charge from my XXXX. I provided a receipt of the charges along with my insurance card. At the time of my last visit I paid for both my balance of {$95.00} and my co-pay of {$30.00} bringing my total to {$120.00}. I included my insurance card to show that a XXXX co-pay is {$30.00} so that it wouldn't be any confusions on why I paid more than just the {$120.00}. 

Date Creditor Called : XX/XX/2020 Time Creditor Called : Between XXXX-XXXX XXXX XXXX from the collection company representing my XXXX  called to collect on the debt. I explained to her that it was paid prior to it going into collections. She asked me to send the same documents that I sent to Equifax to XXXX and reference # XXXX. 

Date Docs Sent : XX/XX/2020 Time Docs Sent : XXXX Date Dispute Inquiry : XX/XX/2020 Time Dispute Inquiry : XXXX and XXXX Contact Equifax was told although I have proof that it was paid and my XXXX  can't provide proof that it wasn't paid Equifax has to report whatever the guarantor reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: Sequium Asset Solutions, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls, all hours, Do not owe this company, not my debt. Don't know why they keep calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX is reporting medical bills on my report that do not and can not belong to me. I have disputed the information but they have taken no steps to correct the errors

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: SHABANA MOTORS
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
This is an addition so they can plant a file a while back stating that Shabana motor was having me over pay for my vehicle and they repossessed it, I found the transaction receipt that I was looking for at the time when I filed a complaint on this transaction receipt dated XX/XX/2018 it clearly states that at the time when I made a payment the remaining balance on the loan what's {$9700.00} in the time between XX/XX/XXXX in XXXX I made a total of 6 monthly payments each monthly payment was {$480.00}, that's a total of {$2800.00} so that should have left my remaining balance at at {$6700.00}, but Shabana Motors still has me owning {$8900.00} it doesn't make mathematical sense and it's incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: Tribal Lending Enterprise, Inc.
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
It was not stated which states this was not allowed in and what states capped the finance rate. 700 % is outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX

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 2023-01-07
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This collection company has been served a cease and desist letter and has not complied and continues to report this on my credit report and i do not owe this debt to no one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. See attached

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 2023-08-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-01-07
Company: Waypoint Resource Group, LLC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the fair Credit Reporting act XXXX XXXX has violated my rights. 
! 5 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.C 1681 A section 2 it also 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 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

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 2022-10-31
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.. XXXX attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report and the bank 's records ( learned through more research both parties require ). 

( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but TransUnion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2023-01-07
Company: WESTERN UNION COMPANY, THE
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Incorrect exchange rate

Complaint:
Good afternoon there Madam, Sir I have complained about western union XXXX XXXX when I send money to XXXX for my family western union stealing my money and give less to my family all the time and we have give us inconvenience situations and I want to complain and appreciate your help with this case and need further help thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
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 XXXX 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 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 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I want to file a complaint against transunion for false and derogatory reports on my transunion account. This matter has made my credit score go tremendously down and I tried disputing the debts theyre saying I owe but havent been able to make any progress

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