BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-29
Company: SANTANDER HOLDINGS USA, INC.
State: OR
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Have been trying to get hold on them But never had the opportunity! Pls lets get to a agreement I can do payments I had been XXXX to work for health problems but I believe I can fix this, im open to negotiate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
PayPal emailed me there was an unrecognized login from an XXXX I have never had out of Texas. I live in IL. Before verifying it was me, they allowed 3 overseas payments to be sent. When I got the email, I changed my password, tried disputing the charges and they would not allow it because it was sent as friends and family. I tried again and they determined in that dispute that no unauthorized activity had occurred. They will not refund my money. Ive cancelled my debit card, removed the old debit card, changed passwords twice. PayPal is supposed to be SAFE and instead they are anything but and refuse to uphold their secure promise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
This e mail is to advise you of a horrifying experience I had with Chase. 

In XX/XX/XXXX, I asked Chase to void/stop payment on a series of check # XXXX as I lost my check book, which Chase did I then began to use money orders drawn from Chase and check cashing ( Money Orders ) to pay my bills. 
In XX/XX/XXXX, I believe, I ordered checks from Chase to pay my bills as getting money Orders ( MOs ) from chase bank and/or cash checking was too strenuous. I received a new batch of checks from Chase and began to write checks I wrote checks to my landlord XXXX XXXX XXXX, XXXX and the IRS in XX/XX/XXXX On XX/XX/XXXX, I received a call from my landlord stating that there was a stop payment on the check I wrote that they presented. I never authorized a stop payment from the new batch of checks I received. 
After calling the Chase call center ( which was disastrous ) three times I was given specious information, inaccurate information, or told there is no record of what I was talking about. 
Horrified I went to the Chase Branch on XXXX XXXX ( XXXX ). After her research, XXXX XXXX ( a VP at the XXXX XXXX branch ) found that I was issued the same series of check # XXXX ( new batch I received ) which were identical to the series of cancelled checks in XX/XX/XXXX. 
I received a letter from Chase acknowledging the bank error Additionally, I received a call from XXXX XXXXChase Complaint and XXXX XXXX XXXX XXXX ) XXXX, Ext XXXX, who needed information. She was not helpful and informed. She called me on XX/XX/XXXX stating that she sees a check cleared in XX/XX/XXXX, for XXXX. What she told me has nothing to do with my current issue. I think she saw the amount and concluded there was no issue. The issue is this happened in XX/XX/XXXX As you may tell, I am horrified by the treatment I am getting I have suffered humiliation, pain ( XXXX XXXX XXXX increased ) and fear that my credit and housing may be in jeopardy. I am in the process of contacting the XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX  XXXX due to the treatment I am still receiving. 
I will also contact Chase Corporate if this issue in not addressed properly Finally, XXXX XXXX should be commended on her superb customer service skills. The branch manager was not helpful, to say the least. 
I am requesting adequate redress/compensation due to this bank error. 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: SYNCHRONY FINANCIAL
State: MA
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:
On XX/XX/21 I made an online purchase through XXXX for two pairs of XXXX  XXXX XXXX  for the total amount of {$53.00}. I initiated a return on XX/XX/21 because both items were not as advertised and shipped items back on XX/XX/21 by USPS. The seller received both items on XX/XX/21 and was refunded for the total amount of {$53.00} back to its original form of payment which was TJX Rewards Mastercard. 

I was being billed for items that I had already returned and opened a dispute charge and mailed me a letter requesting the return delivery confirmation with the return tracking information. 

On XX/XX/21, I faxed TJX what was requested on the letter and also mailed to them the letter that was faxed to them along with a copy of the USPS receipt proof of returned items and copy of XXXX transaction receipt, return and refunded back to original payment. 

After all the proof that I have provided, TJX is still wrongfully charging me for the amount of {$53.00}.

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 monetary relief
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
See attached documents. Remove this personal information that does not belong to 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 non-monetary relief
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am very displeased and disappointed that my information has been in a few breaches which have allowed fraudulent accounts to populate on my consumer report. I was trying to buy a home and I discovered all these accounts. This is jeopardizing and violating my privacy and my consumer rights. Per 15 USC 1681 law, you all are in violation of this statute. I take my livelihood seriously and I am trying to better myself and my family 's life. This is not fair and I am demanding that credit reporting agencies to remove all fraudulent accounts immediately.

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 2021-10-15
Company: Radius Global Solutions LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. I received information from you attempting to collect the above-listed alleged debt. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

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 2022-11-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 16815-2 ( A ) ( 1 ) A person shall not turnish any information relaying to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 2023-06-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
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: Information belongs to someone else

Complaint:
I filed a FTC Report because there were fraudulant accounts on my report and nobody would help me get this resolved. Please remove these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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: 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. XXXX, XXXX and TransUnion are required to authenticate this account. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable account below : XXXX XXXX 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 2020-01-14
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Sold a mobile phone ( XXXX XXXX XXXX XXXX ), ( new open box ) on XXXX on XX/XX/XXXX to Buyer. Payment was received on XX/XX/XXXX through PayPal ( {$140.00} ).  Item was shipped by me the Seller, to the Buyer at address provided. Tracking information provided in screen shot from XXXX on attachment. Item was delivered on XX/XX/XXXX. 

Buyer had a question using a sim card and sent this correspondence through XXXX. Seller responded, then Buyer had another question on accessing the phone. Seller provide link on how to reset phone and Buyer responded all okay. Buyer has acknowledged receiving the phone, taken pictures of it and started using the phone. 

On XX/XX/XXXX the Buyer filed a complaint with their financial institution and requested back all monies they paid. PayPal sent an email to Seller, noting this complaint in Sellers 's account. Seller provided documentation showing Buyer was delivered the phone, has been using the phone for 4 months, and has not returned the phone. This documentation was uploaded to PayPal and supposedly forwarded to the Buyer 's financial institution. Buyer 's financial institution subsequently debited Seller 's account by {$140.00} plus a {$20.00} charge back fee.

During this time Seller spoke to XXXX and PayPal numerous times. XXXX, claims to only holds Seller / Buyer records for 30 days. Thus providing no means for Seller to access records or providing any Seller protection when fraud is being committed on behalf of a Buyer.  Additionally, XXXX received their fees from Seller on item sold and also has not refunded these fees to Seller. XXXX claims this is out of their control and after 30 days washes their hands of matter. Note : USPS limits tracking to 120 days. 

PayPal, notes they offer " Seller Protection '' but this is a complete misnomer. " Seller Protection '' would imply if fraud or other criminal activity occurs Seller would be protected and be reimbursed or have protection of funds received. However, " Seller Protection '' under PayPal is actually only a conduit for the Seller to respond to a one way conversation in a dispute such as this. 

All persons Seller spoke to on XXXX and PayPal agreed that this claim by the Buyer was fraudulent but offered no remedy to the Seller. PayPal additional would not provide Seller with the name of financial institution that initiated the charge back or provide a means to contact this financial institution 's fraud department, thus adding to their complacency in this wire fraud scheme. Additionally, both companies indicated ( in speaking to various representatives ) that this type of fraud happens all the time. 

PayPal and XXXX both have a fiduciary obligation to protect their financial networks from fraud and criminal activity. Both companies offer no protection to Sellers based on fraudulent activity such as this or take any steps to curb this activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: LA
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Experian Information Solutions Inc.
State: OH
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:
It is not going on 90+ days since I have opened a dispute with XXXX XXXX XXXX XXXX and Experian. 

I demand that these agencies deletes these negative and fraudulent tradelines from my credit profile. This has gone on for far too long. 

I had a CFPB complaint submitted on XX/XX/XXXX, and here we are 30+ days later and there still has been no change or updated to my consumer credit profile. 

Previous disputes : 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 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 Account # XXXX 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.

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 2023-07-05
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Loan Type XXXX XXXX XXXX Updated XX/XX/XXXX past due {$430.00} Original Creditor XXXX XXXX  Past Due {$430.00} PLACED FOR COLLECTION in accordance with the Fair Credit Reporting act XXXX 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

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 2023-07-06
Company: Self Financial Inc.
State: TX
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:
I opened a credit builder account with Self. I was making payments on an installment loan for 9 months and I decided to pay the loan off earlier than the payoff date. I was willing to pay the balance in order to receive the sum. I paid the final balance off and was waiting on the payoff to be processed when I received an email stating that they needed to verify some information before they could continue processing my payoff. They asked for a bank statement, my social security number, my drivers license, and a picture of my holding up my drivers license. I sent in the documents and they said that they couldn't take my documents because my license was expired. I called multiple times to speak to a supervisor to explain why my current situation didn't allow me to renew my license and all they could tell me was that until I sent in the " correct documents ', I wouldn't be able to get my money. I also have a secured credit card with them and I asked the supervisor if I wouldnt have to make a payment on my credit card either because they were waiting to verify my information and he told me that I would still be responsible for making the payments on the credit card account but I wouldnt be able to use the card or have access to my money from the installment loan until I turned in the documents. I didn't have to present any documentation when I opened the accounts and I was never asked for any other paperwork while I had the accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached a FTC report with inquiries I did not authorize and I do not recognize. Please remove from report.

Company response to consumer: Closed with explanation