BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-14
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: Old information reappears or never goes away

Complaint:
Why is there a statute of limitations if it is not being followed? 
I have notified your company several times, the following SIX LOANS WHICH TWO ARE DUPLICATES LISTED ON MY CREDIT HAVE A DLA FROM WHEN I LAST PAID 7 YEARS AGO. WHY ARE THEY STILL ON MY CREDIT? 

I consolidated many years ago. These companies didn't validate or verify anything.

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 2023-06-16
Company: SYNCHRONY FINANCIAL
State: LA
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:
Someone must have used my information to obtain a credit card or line of credit. 

I received a letter stating that a request for a credit product through Synchrony Bank for GUITAR CENTER was disapproved. 

1. I have no knowledge of a GUITAR CENTER. 
2. The address listed for Synchrony Bank is XXXX XXXX XXXX XXXX, PA XXXX. 
3. I have an account with Synchrony Bank and believe the real address to be XXXX XXXX XXXX XXXX, PA. 

This letter was forward from my previous address to my current address. 
I've moved in the last 30 days.

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 2023-04-20
Company: EQUIFAX, INC.
State: NC
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX have 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I have explained to Paypal that the bank transfer ( Transaction : XXXX ) was going to a closed account and they need to cancel that transaction so I can transfer to a different bank account. 
Paypal mentioned that I need t contact my bank for a transfer that is going to a closed account. My Bank has stated that Paypal can only fix this. However, XXXX and XXXX from Paypal are suggesting that it may take 30 days for them to fix this. This is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
Company: Block, Inc.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
was working with a woman name XXXX who is suppose to be a landlord or becoming a realtor, I was apt and house hunting I was referred to a woman name XXXX XXXX helped people with less then perfect credit. 

So I decided to reach out she I took a look at her stuff if look legit plus I met someone who she helped and she showed me proof that XXXX helped her. So after sone talking I sent my payment for the price we agreed on and she kept asking for more and more and I denied I said no so she took my money blocked me and didnt refund. Ive since then filed a police report and contacted cash app and will be contacting my bank. 

Cash app is stating I can get my money back even though shes using a whole business cash app under the name XXXX. This isnt ok or fair to keep letting people get scammed. Shes had her account since XXXX  so shes had it awhile I also called cash app support and they told me nothing they can do. I spoke with a rep named XXXX he wasnt helpful at all. Im done with cash app after this been scammed a few times no help My police report number is XXXX I gave them her name the app name she does business under her cash app tag and I have pictures of her Ive also filed a complaint with the ftc Im uploading the screenshots of her telling me its XXXX $ and to cash app her then she will get started and Ive heard nothing because I wouldnt give her XXXX $ more she lied point blank period I filled a claim with XXXX which Ill be filing another they responded and said they would be reaching out and Ill attach response to attachments and my response I was scammed from XXXX she didnt help me with anything took my money and did no work for me they are letting her get seat with stealing cash app lets people Scam and didnt help people who are victims with proof

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 explanation
Consumer complaint received 2023-10-02
Company: Incomm Holdings Inc.
State: GA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I purchased a ring from XXXX using my Visa gift card ( received as a BDay gift ) and my personal XXXX. The bulk of the purchase was paid for using the gift card ( {$270.00} ) and {$58.00} on my XXXX. I returned my purchase to XXXX and SPECIFICALLY REQUESTED store credit ( because of the gift card ). Was told that was ok, so I followed all their requests to receive store credit. However, XXXX XXXX processed the return back to my gift card & XXXX and I no longer have the Visa gift card! 

I have called XXXX MULTIPLE times to get a replacement card and the only thing they said they can do is open a case? 

So I have {$270.00} on a Visa gift card that I cant get access to!! I am extremely frustrated because this is a lot of money and was a special gift from my mom for my birthday.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I faxed a letter and mailed a letter to remove my fraud alert and it still remains on my account. I just want this fraud alert removed this process should not take 3 months to complete.

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 2021-11-08
Company: Avant Holding Company, Inc.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I XXXX XXXX sent a letter to XXXX asking for Validation of the alleged debt they are accusing me of owing along with a completed audit trail and they have refused to provide me of the documents. However they are reporting this alleged debt to the consumer reporting agencies tarnishing my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Nevada Credico, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX did not mail me nothing in terms to this debt. The debt amount is {$36000.00} for a truck in which i work for the company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX in which I'm not buying the truck nor sign any contract saying I'm liable for damages. XXXX XXXX XXXX XXXX has insurance and have filed a with Nevada Division of Insurance to  investigate his insurance company to see if they filed a claim on the truck and any fraud that may or may not have happen with this issue.

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 2020-08-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT 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 explanation
Consumer complaint received 2021-05-14
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 information incorrect

Complaint:
My credit report shows that XXXX XXXX XXXX is reporting that I missed auto loan payments from XXXX - XX/XX/2020. This is false. I have receipts and statements to prove I never missed these payments. Through XXXX secured messaging, a representative stated an ACH payment was only rejected on XX/XX/2020. However, I was unaware, nor did I authorize this. This false report has completely destroyed my credit score and it needs to be removed. I have already contacted XXXX and made disputes through Transunion, XXXX  and XXXX but I have not gotten any results from the disputes. Please assist so I can eventually obtain a credit score that allows me to properly finance a vehicle. Thank you.

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 2023-07-25
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:
By the provisions of the Fair Credit Reporting Act, I am sending this request that the account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5100.00}

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 2020-08-17
Company: AMERICAN EXPRESS COMPANY
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
American Express Closes my account for previous return payments, caused by my bank having my funds in hold. I asked amex to reopen my account and they dont want. They are breaching the contract of my both cards the hilton honors and XXXX XXXX. The agreement says : {$25.00} if your Account is cancelled, you ask us to re-open it, and we do so. If Amex dont comply with the agreement by reopening my both accounts, I want a debt forgiveness caused by the breach of contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: Receivables Performance Management, LLC
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:
Receivables Performance Management has submitted 4 request to have the account removed from my report and the account has not been removed. Ive also disputed this account on 3 separate occasions but Receivables Performance Management has verified the account has responded to the dispute as valid.

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 2023-10-02
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
On Friday, XX/XX/XXXX, I noticed that I was charged a monthly fee of $ XXXX since XX/XX/2022 for a total of {$160.00}. I went to the branch office at XXXX XXXX XXXX XXXX, XXXX, TX XXXX on the same day and spoke with a Regions Bank teller with regards to the fees. I asked for her help if she could waive the fees as I didn't know that Regions Bank charged me $ XXXX without notifying me through email or via mail. The teller told me that she couldn't waive the fees and advised me to contact a customer service at XXXX. 

Today, XX/XX/XXXX, I called Regions Bank customer service and explained to her my situation that I was charged a monthly fee of $ XXXX with a total of {$160.00} since XX/XX/2022 or for 21 months. I spoke with the supervisor and asked her if she could waive all the fees as I didn't know that Regions Bank kept on charging me $ XXXX fees. She mentioned that my account was inactive as I never used my account and my statement was changed from monthly to quarterly. I never received notification from the bank for all of the information that she mentioned. She said she could only waive up to 3 month-fee, with a total of {$24.00}. I asked her if she could waive all the fees ( {$160.00} ) as I never received any bank statements or notifications from the bank either by email or mail and was not aware of the fees. She said she'd like to help me but her system would not allow her to waive beyond 3 month-fees. 

In light of this, I filed a complaint and asked for all fees ( {$160.00} ) to be refunded to my account as Regions bank never sent me any notifications, statements or account inactivity as a good faith to notify their customers so their customers can take an action immediately to prevent all the fees. I am not willing to pay for {$160.00} fees that could be prevented to begin with and please refund all the fees ( {$160.00} ) that have been charged to my account for 21 months. 

I appreciate your help to this matter. 

Sincerely, 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 monetary relief
Consumer complaint received 2023-07-18
Company: EQUIFAX, 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:
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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My first few regular car payments to Toyota Financial Services were fine, no issues. Then I made a regular monthly payment ( XX/XX/2023 ) plus a separate payment toward principal, which was an option on their website/payment portal. No issues. The following month ( XX/XX/2023 ), I scheduled both a regular monthly payment and a principal payment only to discover a week later that the payments I scheduled in advance were not applied on the date I selected. I also noticed their payment portal had changed slightly from its initial look, with easy to use features. Now their payment portal is not as intuitive and the option to pay toward principal has been removed. According to the XXXX, many customers are complaining about the terrible service they are receiving by phone with many complaints about the same complaint I am making and the reason I've chosen not to contact them directly. My blood is already boiling. This is shoddy treatment of their customers, not to mention a malicious attempt to handicap customers who want to pay their loan off early. In addition, they are not transparent about how much extra interest I have to pay them for " missing my regular payment '' in XX/XX/2023, the scheduled payment they inexplicably wiped off or did not take. I have been a Toyota customer for XXXX years. The deceitful shenanigans Toyota Financial Services employs to get the maximum buck out of their customers is criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Stallings Financial Group, 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 have a loan with XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and STALLINGS FN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and STALLINGS FN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 sold an alleged dent in my name and the collection agency bought it yet there is a balance still shown reported on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Capital One has recently begun blocking customers ' access to their own data through third parties ( this being through the provider - XXXX ). This has prevented services I use from which rely on my data to discontinue functioning.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my 2nd 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. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL 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 explanation