BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-31
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting inquiries as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable inquiries : 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 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 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 2022-10-31
Company: Southern Management Systems 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:
Due to the start of the XXXX pandemic ( XX/XX/2020 ), the university requested that we left the XXXX area to ensure safety. As the pandemic worsened, this required me to relet my apartment since I could not return to in-person classes. As of XX/XX/2020, the XXXX on XXXX apartments sent me a bill of {$120.00}. As of XX/XX/XXXX, I notified them that I have delivered the check to them. 

However, they still reported the fact that I did not pay them the money for the relet fee, hurting my credit score. After this, I double-payed the relet fee in order to prevent further depreciation of my credit score. Now it is affecting me in my ventures to receive new credit cards and loans because of my low credit score. 

I explained this to XXXX and they decided to remove it from my credit score. XXXX and XXXX have not fixed the issue yet. I just want this to be resolved because the pandemic caused this error to happen, and it is not a situation that should affect my trustworthiness as a lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
In XX/XX/2021 I noticed that my bank account was overdrawn. Upon research with the bank for the previous XXXX months there had been unauthorized charges coming from my PayPal which was linked to my bank in the amount of {$14000.00}. Upon notifying PayPal they said they cover XXXX days but there process is longer so I should contact my bank to cover the renaming portion which I did. The bank issues me a temporary credit of {$8600.00} and PayPal {$2500.00}. Now I receive a call from PayPal saying that I owe them {$1300.00} and my bank is saying {$4500.00}. Apparently PayPal put the same dates and my bank so they are rejecting my claim from both sides leaving me negative. PayPal is refusing to correct the issue saying its now pass there covered period even though they are. The ones that put the wrong dates. Now I am out over {$10000.00}. My email address with PayPal is XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-17
Company: Experian Information Solutions Inc.
State: NY
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: Investigation took more than 30 days

Complaint:
I would like to inform you that on XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 41 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 41 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the XXXX data breach and this may be the result of this nefarious activity on my reports.

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 2022-03-08
Company: Lending Club Corp
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
LendingClub was contact on XX/XX/2022 to delay two payments from two different accounts. After speaking with an agent the delay of payments had been completed and both payments were not due to be withdrawn from my bank account until XX/XX/2022. 
XX/XX/2022 account # XXXX a ACH transaction cleared my bank account, which this should not have occurred until XX/XX/2022. 

XX/XX/2022 I contact LendingClub thru Chat and was advised that the system was documented showing the payments had been delayed. The payment from one of the accounts should not have been withdrawn from the bank account. Refund was requested. I requested the ACH funds to be placed back into my bank account within 48 hours due to LendingClub error. 
XX/XX/2022 Chatted with a agent and was told it takes up to 3 days before a member of the leadership team would contact me which I was not told that on XX/XX/XXXX. Would not provide a name or number that I could call to get this matter resolved. I had to wait until LendingClub contact me. 
XX/XX/2022 Called and spoke with agent and was told and I quote : " Fund will be credit to the my bank account Monday or no later then Tuesday of XX/XX/2022 any NSF that may occurred will be covered by them since it was a error on their part. '' end of quote. 
XX/XX/2022 Check bank account status - No pending transactions Chat conversation with original person I spoke with on XX/XX/XXXX, now ask me to allow up to 7 days for transaction to be completed which is unacceptable due to Lending Club is set to ACH the exact same account on XX/XX/XXXX, yet they have not refund the money to my bank account. She understand my frustration? 
This matter has not been handle fairly, accurate even but they did admit the mistake. Now you have to wait due to our procedures. 
The agents offer there apology but that is all there is nothing else they can do. So when LendingClub makes a mistake the consumer is made to stuffer and we just have to wait until they fix it? Okay I waited and now when it still not done let 's add some days to it? I am very unhappy and which for you to investigate this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Affirm Holdings, Inc
State: TX
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:
Please be fair enough. I demand your agency to remove this inaccurate report from my credit as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$370.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$770.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXXXXXX Balance : {$12000.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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: Experian Information Solutions Inc.
State: IN
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 XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX DOB : XX/XX/1994 Experian Customer Services Attn : Arbitration Opt-Out XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Customer Services I recently purchased a copy of my Experian credit report through the Experian app, please use this letter as confirmation that I herby Opt-Out and do not wish to resolve disputes with Experian through arbitration. 
Again, I reject the arbitration clause in the Experian interactive service agreement. 

Thank you again for you speedy help with to this matter and noting my account. 

Enclosed is a Copy Of Photo ID for proof of my identity and a piece if mail, bill for proof of my address Please kindly reply to in writing to the Affidavit, as I wish to know by mail that Experian has received my request and that my demand for Arbitration Opt-Out has been processed and honored. 

I declare under penalty of perjury that this Arbitration Opt-Out demand to Experian has been prepared for Presentment to Experian, by me, 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 2023-10-29
Company: VYSTAR CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In the year 2019, my Vystar checking & saving account was involuntarily closed & I have not been able to open a new account with Vystar or any other Credit Union since. I have also had trouble opening bank accounts with non-credit union banks. Vystar closed my account due to I received a check in the mail for an item that my husband was selling online, I believe it was a riding lawnmower if I'm not mistaken. We attempted to deposit the check through my apps mobile check feature. Vystar then made me aware that the check was fraudulent & told me that I should file a police report if we had already given the item being sold to the " buyer ''. But since we had not sent the item to the buyer yet, we did not feel it necessary to file a police report & assumed Vystar would handle anything to do with the fraudulent check. My bank account was then closed a few weeks later & when I contacted Vystar to find out why, they said due to the fraudulent check they closed my account since I didn't turn in a police report. I did not know that I was required to do this & I feel that my bank account being closed due to someone attempting to scam me is unfair. I have attempted to resolve this with Vystar multiple times but they always say there's nothing they can do.

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 2023-03-21
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My complete identity includeing Id, passport, social security card, birth certificate, credit cards, debit cards ect. Was stolen out of my car in XXXX of XXXX. Various accounts has been open in my name because of this. A police report was made and i also have the case number Case # 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 2022-10-31
Company: PROFICIO FINANCIAL SERVICES, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Proficio financial services were asked of the contract binding me to the debt that all pro tree care tried to coerce me to pay a debt I dont owe. 
All XXXX XXXX XXXX  and Proficio financial services try to coerce me to pay for a debt I never agreed on. 
I filed Identity theft report with the us government because they are trying to coerce me to pay for the debt I dont owe. 
They are destroying my credit. 
I will be seeking a legal help from an attorney because they are ignoring my request to stop reporting this on my credit report. 
There is no agreement or contract binding me to the false debt. 
All they provide is an invoice that I never agreed on and I never acknowledged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Us Bank XXXX XXXX XXXX XXXX Account number XXXX Routing number XXXX US BANK XXXX CA XXXX THEY OVERDRAW MY ACCOUNT AND NOW THEY ARE HOLDING MY FOUNDS AND MY PAYMENTS.. AND MY MORGAGE LOA. EVEN I PROVIDE THE LATTER LOAN APROVAL THEY LEFT ME ON HOLD FOR AN 1HR AND 30 MIN AND THEY HANG UP AND SEND ME TO A SURVEY AND NEVER GOT HELP WITH. AFTER THEY TRANFER ME WITH 5 DIFERENT PEOPLE AND THEY COULDT GET IN THE SISTEM. 
THANK YOU FOR REVIEWING MY PETITION.

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 2023-07-31
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2023, I was locked out of my Marcus savings account. It said it was temporarily disabled and to call to have it available again. I called and a supervisor told me my account had been force-closed because of fraudulent activities. They would not specify what exactly after I asked. They said my account would go into review and then be closed with the money refunded back to me. The review would take 7-10 days they said. 

I called back on XX/XX/2023. I asked for the progress on how my account review was going. The rep said the account had not been reviewed and is still in queue. I asked for an update on when the account would be reviewed and they said 2.5 weeks!! I requested the balance on my account which he told me. I asked for it in writing and he said he could not email but he could snail mail it. It has almost been a month and I have not received anything in writing. I did call two weeks later after that call and asked for an update they said the account is still yet to be reviewed. I asked if there is anything that can be done to get my money back asap and they said wait 7-10 business days for the review. They are holding my money and are not willing to transfer it back into my possession. This is very poor business practice. At the very least they can transfer my money back into the original account from which it came, fraud or not. They are being very vague on this process and very unprofessional on the phone including hanging up after 1hr call or constantly transferring you/putting you on hold to get to a different department.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is directed at XXXX XXXX, Senior Resolution Specialist for Nelnet Student Loan Servicer. This complaint is in reference to the Fair Credit Reporting Act on what was reported to XXXX which was actually reported but the reported amount was {$47.00} not the {$50.00} I paid on XX/XX/18. Please go to my history that shows how much was paid. Now as to XXXX  and XXXX after all my phone calls because you wouldn't believe that your company didn't report my payment to these credit bureaus. As of XX/XX/18 XXXX and XXXX  were finally able to verify to me that Nelnet finally fixed my issue. But now there's another problem. On all three of my credit bureau reports, one of your employees reported I paid {$47.00} not the {$50.00}. Where's my {$3.00} and why would an employee report {$47.00} and not the {$50.00} I paid? Did Nelnet think I would't find out? Now I have to wonder about the accuracy of your  Website on the Principal and Interest. Now I have to contact the Department of Education for a third time because of the incompetence of your company. On my account, it is still showing that payments are being processed that went through my checking account days ago. The two separate payments that I made on the morning of XX/XX/18 are not showing up under the payment history. These payments were made way before your cut off time.I want this taken care of immediately {$50.00} reported to all three credit bureaus. I can't wait till Nelnet reports my payments in XX/XX/2018, it ought to be interesting. You as a loan servicer, especially for the Department of Education, should have people competent enough to input the right amount somebody has paid on their student loan for the month. Your screwing with my credit reports and I won't put up with it. Because of Nelnet 's constant mistakes and a Senior Resolution Specialist won't believe what your telling him and won't even check into the issue, I have had to put the credit bureaus into my contacts on my phone and the Department of Education because of Nelnet. You as a Senior Resolution Specialist did not do your job. I don't care if you are upset with me or don't like what I've said about Nelnet because it's true. It's not my problem, it's yours! On Monday XX/XX/18, I will be checking with all the credit bureaus to make sure the amount has changed. The scary thing is that this probably happens everyday to people who pay their loans. I'm sure we'll have further written communication in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Resurgent Capital Services L.P.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/23 and XX/XX/23 I disputed account asking to verify or delete immediately as I do not recall this debt nor having account open with this creditor. Dispute was sent via mail with a certified and return label, return confirmation # XXXX. On XX/XX/23 @ XXXX dispute letter was delivered to agent and I have not heard back from them. Over 30 days have passed and no response. I have tried multiple times to contact them via phone call @ XXXX and have not been able to go through all the way and talk to agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: NAVY FEDERAL CREDIT UNION
State: LA
Product: Credit reporting 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 am showing in my consumer report/credit report with XXXX, XXXX and XXXX on the day of XX/XX/2023, a hard inquiry with NAVY FEDERAL CREDIT UNION was posted to my credit report. Referring to 15 U.S.C 1681 section 602 A. States I have the right to privacy. Also refer to 15 U.S.C 1681 Section 604 A Section 2 : I did not give written or verbal consent to publish to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
State: NV
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:
XXXX XX/XX/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 XXXX XXXX  NA XX/XX/XXXX, XXXX XXXX NA XX/XX/XXXX, XXXX XX/XX/XXXX, EXPERIAN XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX. 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 STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT WRITTEN INSTRUCTIONS.15 U.S.C 1681 C. ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHERTHAN RECORDS OF CONVICTION OF CREIME WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

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