BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-08
Company: World Omni Financial Corp.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
In accordance with the fair credit reporting act XXXX XXXX Account, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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. 

" All Rights Reserved ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Paypal Holdings, Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received an email from XXXX XXXX ( XXXX ), whom I don't know, today XX/XX/23 at XXXX XXXX. There was a pdf invoice attached that had the PayPal and XXXX XXXX logos on it. I haven't done any business with XXXX XXXX. It said my account has been charged with {$340.00} USD and will be deducted from my account within 24 hours. It says if I don't recognize the transaction or want to cancel the charges, to call XXXX. It said it's for XXXX XXXX. I didn't call the number because I think it's a set up. I did call my local XXXX XXXX at XXXX XXXX, and they verified that it must be fraud. 
I am going to block the email address this came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
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 XXXX  Accounts has Violated my rights. 
15. u, s.c 1681 section 602 A. States I have the right to Privacy.

15. u.s.c section 604 A. section 2. It also states a Consumer reporting agency can not furnish a account without my written Instructions. 
XXXX XXXX {$350.00} Delete XXXX XXXX XXXX XXXX {$830.00} Delete XXXX XXXX {$5800.00} Delete XXXX XXXX {$2400.00} Delete

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
XXXX sent me {$1400.00} for a contract buyout in XXXX. I didn't receive the card and had to reorder the card. I received the card sometime later ( unsure of when ; approximately a month later ). My card was lost and I didn't have access to the account online as I needed the information on the card. The card expired XX/XX/2023, I found the card and called Bank of America at the beginning of XXXX and reordered a new card. I received the new card, activated it and went to log in but was unable to because of login credentials. I asked for the balance and was told it was {$0.00}. I asked why, I was told it was because the funds were forfeited because I didn't use by the expiration date. I was never notified nor warned of this " policy ''

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 2023-04-23
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I opened a dispute for services not rendered with carecredit in XXXX for XXXX The business verbally agreed to request full refund from corporate because the doctor went on leave and no one could tell me what was done before XXXX was aborted due to the power outage but later deciding only to partially refund XXXX. They said I have to request the medical records to see what was done that per the clinic manager who could not tell me anything nor another surgeon when I was at the facility that part of the XXXX was complete. They are charging me for loss of revenue due to the outage the XXXX  report reads infiltration start XXXX and aborted XXXX due to power outage. The business does not have generators only batteries so it was impossible to complete anything if an unexpected power outage occurred but the batteries would allow XXXX  time to safely stop. I ended up paying the card off so it wouldnt hurt my credit expecting a charge back. I just recently in XX/XX/XXXX found out it was closed due to the merchant providing a receipt. So the rep reopened the dispute and it was closed again without explanation so I was told to submit an appeal letter I included medical records from the merchant that the procedure was aborted due to power outage on XX/XX/XXXX. Was told it was closed as well with no explanation. Then I got a letter saying my account balance is XXXX which I know because I paid it. If I report services wasnt rendered how is a receipt sufficient evidence from the merchant. The merchant makes you pay 2 weeks in advance if your paying with a card they dont bill you after the services are rendered. The operative report XXXX  signature looked forge I included prescription to see the difference in XXXX  signature I only had XXXX XXXX. I have more medical records, and emails where I have been trying resolve this with the merchant for the past XXXX yrs they are trying manipulate me into getting the XXXX finished instead of refunding me saying that no other doctor is going to touch another XXXX  work but one at their facility agreed to. They have been rude saying did I prefer they didnt stop XXXX or telling me the contract was void when the power went out so I dont have a valid contract and they rewrote one while I was unconscious and unprofessional on the phone and asked them to put it in writing they say they rather speak on the phone.I cant communicate with them when Im being treated poorly how can they expect I can trust them.

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 2017-12-05
Company: EQUIFAX, INC.
State: NE
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 sold a house in XXXX of 2016 -- paid the mortgage off -- and it still shows as an open account with a balance of $ XXXX I have tried multiple times to get this fixed and changed on my credit report to show the debt as paid and the account closed to no avail. 

Most recently, I contacted both XXXX and Equifax as well as XXXX XXXX XXXX XXXX to attempt to get this resolved. 

I have gotten letters stating that a review has been completed and they did not change anything on my report. Again. 

I have also attached a letter from XXXX XXXX stating that the loan is paid in full and that they were working with the reporting agency to get the reporting issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 convergent Accounts has Violated my rights. 
15. u, s.c 1681 section 602 A. States I have the right to Privacy. 

15. u.s.c section 604 A. section 2. It also states a Consumer reporting agency can not furnish a account without my written Instructions. 
XXXX XXXX {$350.00} Delete XXXX XXXX XXXX XXXX {$830.00} Delete XXXX  XXXX {$5800.00} Delete XXXX  XXXX {$2400.00} Delete

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 2023-09-04
Company: CL Holdings LLC
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX is reporting a debt under my credit report and has refused to remove it, they have removed several collections to my name but have been continuing to remove this one and have been yet to provide evidence that this debt belongs to me, and NONE of the reported information is accurate. They have shown no contracts, loans, supporting documents, signatures or any other links or evidence to show this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
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: Public record information inaccurate

Complaint:
There is an bankruptcy reported on my credit report that does not belong to me. 

US BANKRUPTCY COURT-XXXX  XXXX Reference Number : XXXX I previously wrote you to investigate and verify this bankruptcy listed on my credit report, which you responded to as being verified with the bankruptcy court. I know that this bankruptcy should not be on my credit report, so I decided to contact the courthouse myself. The court informed me that they do not show any record of a bankruptcy filed under my name and identification information. Further, the court does not provide anyone with a debtors full social security number, and they do not provide ANY credit bureau ANY information relating to any bankruptcy cases. It is quite clear that someone from Equifax lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). 

As you know, it is also a violation of the FCRA to report this type of erroneous information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following bankruptcy from my credit report : I have filed a police report and have provided the police report to Equifax and a copy of my drivers license and utility bill. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: GOLDMAN SACHS BANK USA
State: IL
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:
In accordance with the Fair Credit Reporting Act this company has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 2023-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Dear Consumer Financial Protection Bureau, To my surprise I have a late payment registered ( 3 days late, my payment was set to autopay by me, as always ) on my consumer report by XXXXXXXX XXXX XXXX, but I wasn't late nor have I ever had a late payment in my XXXX  years of life. 

This is causing significant damage to my personal life and may cause me to not find any housing and end up homeless. I have sent a handwritten letter addressed to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I have not gotten any progress. I kindly request that you aid me into investigating this issue, and help me get this fixed on my report. 

Kind regards, 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 2019-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
XXXX sent a cheap battery in place of the real bicycle battery I ordered and tried to say they sent the right one. They even sent Capital One Bank a picture of the right battery!! Capital One first credited my account for the money, but then recharged it. When I sent them all the pictures that they requested and all of documentation, it seemed it just wasnt never enough. Every time I sent them documentation, Capital One would request more or state that it was wrong. I spoke with them and they insisted that it had to be on letterhead, but the letterhead that the XXXX and XXXX XXXX provided was what they used and it wasnt regulation letterhead so it wasnt good enough for Capital One. I tried to explain to Capital One that not everyone has printed letterhead, but no one listened. A lot of shops print their letterhead on their printers. Needless to say, my dispute case was dismissed!! 

This is the water downed version of what happened. Each month, Capital One requested something different. But no matter how many hoops I jumped through, it was never enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-08-04
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a Walmart credit card and it was closed a while back but I just wanted to get that account re opened at the time I was XXXX and I really didnt know much about credit

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 2023-09-04
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: SC
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of last year, my identity was stolen. I filed a series of complaints with the CFPB on XX/XX/XXXX. My COMPLAINT IDs = XXXX, XXXX, XXXX, and XXXX. I also filed a police report with the XXXX XXXX Police Department in XXXX XXXX, SC. 

The person who stole my identity leased an apartment with the following address : XXXX XXXX XXXX XXXX XXXX, FL XXXX. Last month, my XXXX credit report reflected that I owe {$970.00} to Helvey and Associates, a collections agency, for an unpaid utility bill to XXXX XXXX Florida. This bill is associated with the lease that was fraudulently taken out in my name and is the result of identity theft. I called Helvey and Associates on XX/XX/XXXX to confirm that the charge was associated with the address listed above, and they confirmed this to be true. 

I am attaching the police report I filed in XXXX along with my current credit report and a screen shot of the Helvey and Associates charge.

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 2023-04-23
Company: EQUIFAX, INC.
State: FL
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:
Dear Consumer Financial Protection Bureau, To my surprise I have a late payment registered ( 3 days late, my payment was set to autopay by me, as always ) on my consumer report by XXXX XXXX XXXX, but I wasn't late nor have I ever had a late payment in my 29 years of life. 

This is causing significant damage to my personal life and maXXXX cause me to not find any housing and end up homeless. I have sent a handwritten letter addressed to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, DE XXXX XXXX. 

I have not gotten any progress. I kindly request that you aid me into investigating this issue, and help me get this fixed on my report. 

Kind regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
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:
1-XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , MA XXXX ( XXXX ) XXXX Placed For Collection : XX/XX/2017 Responsibility : Individual Account Account Type : " OPEN ACCOUNT '' Loan Type : COLLECTION AGENCY/ATTORNEY Original Creditor : XXXX XXXX XXXX XXXX 2-XXXX  XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Placed For Collection:XX/XX/XXXX Responsibility : Individual Account Account Type : " OPEN ACCOUNT '' Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX 3-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, GA XXXX ( XXXX XXXX XXXX Placed For Collection:XX/XX/XXXX Responsibility : Individual Account Account Type : " OPEN ACCOUNT '' Loan Type : COLLECTION AGENCY/ATTORNEY Original Creditor : 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 2023-01-20
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I was promised for my money that I won from another app to transfer to PayPal, so I created a PayPal account so the money could transfer but now it is saying that I wont be able to get the money I won

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Resurgent Capital Services L.P.
State: ND
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have no agreement with LVNV funding LLC and they have failed to remove the incuracies on all credit reports causing me severe financial hardship.Due to possible inaccuracies in the these credit reports, I demand that the validation I hereby request be in the form of a verified statement by a person with knowledge of the debt, who can testify that the debt incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the tradeline. 
I have sent LVNV letter demanding validation of this tradeline and a prior signed agreement with LVNV and myself, but LVNV failed to provide the information.I demand that LVNV delete all reporting from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 asked the credit bureau to do a verification of everything on my credit report and they did and stated that everything was accurate so I did a thorough research myself and found improper inaccuracies on my report after the research. 


XXXX Account XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account XXXX 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 instruction.

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 2023-09-04
Company: SANTANDER HOLDINGS USA, INC.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
on XX/XX/31 i visited XXXX XXXX in hopes of purchasing a new vehicle but instead was discriminated against and humiliated for excercising my rights in good faith under the Consumer Credit Protection Act. 

XXXX XXXX is the salesperson i dealt with and who submitted my consumer credit application which is classified as a consumer credit transaction for a XXXX XXXX XXXX XXXX XXXX Submitted my credit application to XXXX and Chrysler Capital. 
XXXX tells me i am denied. 
I told him there is no such thing as denial only dishonor because their only job is to extend me my credit. 
He then asks me to sign the credit application that was used for denial. 
I asked him did he submit the application before me signing he said yes and I have it recorded The credit was extended but XXXX will not release the vehicle until CHRYSLER CAPITAL buys my contract. 
The credit was extended to XXXX XXXX and CHRYSLER CAPITAL as I now have a hard inquiry on my Credit Score. 
. After running credit credit application before it was signed. I also called twice to get additional information and was given the run around

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Chime Financial Inc
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I tried to transfer XXXX XXXX to my chime account and they lock my account because they say it doesnt follow terms. I used my own bank in my name and they keep harassing me to verify my info to upload documents when clearly I already have.

Company response to consumer: Closed with explanation