BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-27
Company: Social Finance, Inc.
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am unable to login to access my money, I dont know why and they only responded to me once and said they are reviewing my account and want to see if I receive money thats again their TOS and they also say they cant provide me any ETA for the process. And since then they stop replying me on all their Platforms. Ive pleaded with them that I have an emergency issues and need some of the money to take care of my illness, they are triggering my XXXX. The money I received on the Acct was also a refund by A crypto company name XXXX after fighting them for 3 months they pay my money back to the Sofi account I opened and now Sofi is holding the money again and no response I read and research online about them and most people say they wont respond and fix it until I complain here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Approximately year XXXX, I obtained a Target credit card. During that time, I lost my business, did not have a job, had a toddler that my wife was home with, my mother-in-law was diagnosed with XXXX and was moved into my house. I was at a bad place in my life and was not able to pay my bills which includes my credit cards. I needed to keep a roof over my head and had to modified my home loan to stay in my home. The home loan went up to 40 years which we had 10 years left on our mortgage. We had to do what we had to and stop paying credit card was the only choice I had at that time. 

On XX/XX/XXXX Target served papers to my mother-in-law whom at the time has been diagnosed with XXXX. My mother-in-law took the package to her room and I never laid eyes on those documents until I tried to refinance my home. When XXXX XXXX did a title search on our home, it came back that we have a lien on our property. We were in total shock as we were not aware that a company can do something like this without our knowledge after so many years. How is this possible to take a non secure debt and put it in a secure debt? This debt was originated back in XXXX and how could Target put a lien on our home from a debt that was so old. When I first got the credit card, the limit may have been around {$2000.00}. When target was done with me, the debt got up to {$12000.00} including all the late fees, court fees, over the limit fees, etc. I have hired a lawyer to try to handle this situation to no avail. Target would not work with us through the lawyer. We were willing to settle and to this day we have gotten no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Coast to Coast Financial Solutions, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My family is currently XXXX XXXX XXXX XXXX XXXX XXXX  and we were sent a late notice for one of our utilities ( trash ) from our house before we departed. 

When we received the debt collection notice it said if paid directly with the original debt holder that we could ignore the notice. 

So we paid the bill directly with the utility provider to make sure we were not incurring more debt ( it is a utility ). 

Despite paying the debt we keep receiving bills from the debt collector. Since we live overseas in a remote location we can't just send mail to dispute the debt and it takes us 1-2 months to receive mail. 

Finally after threatening negative credit reporting from the debt collector... we just paid the bill ( again ). I was worried about the negative credit reporting, so I paid the debt preemptively. 

We should not have to pay the bill twice.

Company response to consumer: Untimely response
Consumer complaint received 2022-05-13
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:
" I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''

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 2023-09-15
Company: Experian Information Solutions Inc.
State: IN
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance Owed : {$480.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$12000.00}

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 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
n accordance with the Fair Credit Reporting act XXXX Account XXXX 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 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 2022-05-13
Company: Experian Information Solutions Inc.
State: MO
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Experian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$760.00}, XXXX XXXX Balance : {$12000.00}, XXXX XXXX XXXX  XXXX Balance : {$520.00}, XXXX XXXX Balance XXXX {$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 explanation
Consumer complaint received 2021-10-21
Company: National Credit Adjusters, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX I pulled my credit report and noticed it had a collection account from national credit adjusters for an amount of XXXX. The report says the account was made on XX/XX/XXXX. I wrote a dispute letter to the 3 bureaus stating that it had to be the result of identity theft and sent in the ftc identity theft report as well. On XX/XX/XXXX I received a call from XXXX with national credit adjusters threaten me to verify myself asking me personal questions and went as far as telling me someones social security number which I know is illegal. He said the debt was from XX/XX/XXXX. I told him I never heard of XXXX XXXX and never applied for an account with them and he went on and on. I told him to cease all contact to me because they had the wrong person. On XX/XX/XXXX I received another call from the same number and when I instructed the call was being recorded and I told XXXX yesterday to cease and desist contacting me they cursed me out and hung up in my face. On XX/XX/XXXX I received a letter from the company providing a contract between them and someone else with that persons bank information ( XXXX XXXX ) on the contract and I think that has to be illegal when I specifically told them they had the wrong person already.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. The XXXX and XXXX Credit Bureau is reporting inaccurate information on CONVERGENT OUTSOURCING. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 2022-10-11
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Investigation took more than 30 days

Complaint:
On XX/XX/2022, I sent a certified letter to Portfolio Recovery Acct # XXXX, tracking number : XXXX and it was delivered on XX/XX/2022, at XXXX. This letter was demanding that they cease all communication on all mediums included but not limited to my consumer reports XXXX, XXXX and XXXX. 

I also sent copies of these letters to XXXX, XXXX and XXXX via certified mail letting them know that I refused to pay this alleged debt. As of XX/XX/2022, XXXX and XXXX have continued to report this inaccurate and false information. 

XXXX has failed to promptly update and correct information it furnished to Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA XXXX ( a ) ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
PayPal arbitrarily, and without any method of appeal, challenge or regulatory or judicial oversight routinely seizes the funds of its customers. Not only does PayPal lie about how long they will be seized, they lie about why they were seized, and put forth the most beautiful of customer service promises, and then deliver absolutely horrid results. 

PayPal commits financial crimes on a daily basis and attempts to hide behind its terms and conditions statement that up until now has worked to silence its victims. Interest is not paid on these siezed funds to the victims but PayPal collects interest from the accounts where it holds these fund.. it is simply theft at its most basic. Since on an individual basis, the amounts in question dont rise to the level that would get the attention of law-enforcement, in the aggregate, customers are being nickel and dimed to death, while PayPal makes millions in interest payments. 

However, someone at PayPal forgot the old proverb : Pigs get XXXX, Hogs get slaughtered. 

The new wrinkle? PayPal offers to let customers buy and sell cryptocurrency and that earns PayPal its membership into the family of SEC regulated entities. 

When any of these funds are related or can be traced to the buying and selling, or trading of cryptocurrency, ( according to the current position of the SEC ) this involves securities. PayPals actions as the unquestioned decider of when a user may access these assets violate several federal regulations against the restraint of alienation of these assets. It is market manipulation 101 : increase the difficulty of entry and control the timing of buying and selling by controlling cash flow.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Citigroup denied me a Citi Double Cash card and mailed me a denial for the Citi custom cash card to further prove their incompetence. I tried for 15 years to get this card and now they are mocking me in a denial. What a disgrace of a company

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 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 USC 1681. 
Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX 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 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-04-19
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have over 20 nonaccount-holding inquiries that didn't have my consent. I have sent all three credit bureaus certified letters to have them remove no answer, no removal. Most of those should be soft pull inquiries, not hard pulls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: AMERICAN HONDA FINANCE CORP
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I had purchased a vehicle ( XXXX  XXXX XXXX ) brand new, with an extended warranty as well as GAP insurance. Approximately a year or so later, I had traded the vehicle in for a larger one and was told that I needed to file paperwork to receive a refund of the difference between the Extended Warranty and GAP insurance. I have reached out to the company directly after waiting the amount of time they had told me ( 6 months+ ) and followed up with them again. They again said they will look into it, and its now been 18+ months later and still nothing. The Extended Warranty was supposed to be around {$1300.00} and approx. $ XXXX remaining for the GAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit report from TransUnion on XX/XX/XXXX and discovered under " Special Messages '' a message that said " INPUT CURRENT ADDRESS IS A HOTEL/MOTEL OR TEMPORARY RESIDENCE. '' This is untrue. I live in a single family residence. You can XXXX  the address and see that my home is a single family home. I called TransUnion and asked them to correct this information and was told that it was done. 
I pulled my TransUnion credit report on XX/XX/XXXX and discovered that the message still existed under " Special Messages. '' I again called TransUnion and was told to send a copy of my driver 's license and a current bank statement and the message would be removed. I sent the requested information to TransUnion. 
On XX/XX/XXXX I again pulled my credit report from TransUnion and this information is still being erroneously reported on my credit report. I again called TransUnion and was told to send in a copy of my driver 's license and a current bank statement, even though the person I talked to told me that he could see that I sent this information in last year. I complied with his request and resent a copy of my license and another current bank statement. In the mail today, I received a new copy of my credit report from TransUnion. The Information that my address is a hotel/motel or temporary residence is still on the report. The exact wording now is " FILE CURRENT ADDRESS IS A HOTEL/MOTEL OR TEMPORARY RESIDENCE. '' I have asked that this be corrected three times, beginning in XX/XX/XXXX. Under the Summary of Rights that TransUnion sent me it says that " Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. '' I have waited long enough for this to be removed.

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 2022-04-19
Company: Experian Information Solutions Inc.
State: AL
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 has violated my rights. 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. has violated my rights. 

15 U.S.C. 1681 Section 602A. 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 2020-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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: Was not notified of investigation status or results

Complaint:
It has been over 30 days since my initial dispute that was sent to Transunion, XXXX, and XXXX  in regards to several accounts reporting on my credit file that were from the direct result of identity theft. I completed and submitted and Identity theft report as per instructed by local law enforcement which included accounts XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX, and XXXX XXXX # XXXX. Under the Fair Credit Reporting Act section 605b states not only these accounts should be blocked but also removed if accurate verification is not provided per sections 609 & 611. I have yet to receive any correspondence whatsoever from neither Transunion, Equifax, or Experian so therefore considering the multiple violations being committed only can equate to the fraudulent accounts being removed from my credit file immediately to avoid litigation. These actions are totally unacceptable and violate my consumer rights as well as the FCRA. In addition fraudulent addresses XXXX XXXX XXXX and XXXX XXXX XXXX and inquiries remain on my credit file after I've specifically requested them to be removed. A copy of my drivers license, social security card, and a utility bill was included with dispute to prevent any vague or bogus reponse from the credit bureaus and yet I HAVEN'T received anything at all. My next step is to contact the attorney general a seek litigation if this matter is not resolved.

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