BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-06
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received an email from Venmo about a user survey with a prize. I completed a number of questions giving the Company demographic information about myself, and then was told that the survey " had already filled up '' and was canceled. Meanwhile the Company gathered information on me with false promises of the ability to win a prize. The Company could have told me the survey was full before i started giving them information if that was in fact the case. I answered questions on my employment, my income, my age. I believe the Company now owes me entry into the prize drawing. The full text of their email offer is below : Hello! 

At Venmo we are always interested in learning from our customers. We value your opinion and would like to invite you to participate in a survey about how you use the app. 

Your feedback will help us to enhance your Venmo experience, and we thank you in advance for sharing your thoughts. 

As a way of saying thank you for your feedback, you will automatically receive an entry for a chance to win a {$1000.00} gift card. *For more details on the prize and entry rules, please click here. 

To complete this ~15 minute survey, simply click on this link! 
-The Venmo Team

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: EdFinancial Services
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My issue is very straightforward as is the solution I desire. On XX/XX/2023, I payed {$2700.00} for the first of my two direct subsidized loans to Edfinancial. On XX/XX/XXXX, both of my two loans got reduced to {$270.00} because I XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I payed the {$270.00} for the second loan, and my first loan showed a balance of - {$2400.00} ( signaling a refund ). On XX/XX/XXXX, my account officially reflected a refund of {$2400.00}, and my account balance went to {$0.00}. I have received no refund check/direct deposit yet. Since that date in XXXX, I have called 5-6 times, speaking with a different representative each time, seeking for information regarding the status of my refund. I have received no such information other than inconsistent timeline suggestions ( 4-6 weeks, 60-90 days, 25 business days, 35 business days, and we can not provide that information ). I have asked to speak to a supervisor TWICE, and both times they have told me to wait 24-48 business hours for a call back. Both times I have not been called back.

Company response to consumer: Untimely response
Consumer complaint received 2022-12-31
Company: Genesis FS Card Services, 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: Account status incorrect

Complaint:
Genisis FEB Retail sold account to another agency ( XXXX XXXX ). The account was paid off. Payment received by the company XXXX XXXX. Genisis FEB will not delete account and they dont even own the account anymore. I need this paid account deleted because it is damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2023-12-08
Company: EdFinancial Services
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
I have tried to resolve with EdFinancial. They told me my loan became a new loan when my Federal loans from XXXX were consolidated into Direct loans in XXXX so I'm not eligible for forgiveness. 

I submitted case # XXXX through XXXX on XX/XX/XXXX and as of XX/XX/XXXX I still have not received a response. 

Issues : 1. All loans owed dated back to XXXX are consolidated federal student loans. They are not counting payments before XXXX. 

2. Every time my loans were transferred ( many! ) they count it as a new loan listing my total borrowed at a quarter million which is absurd. 

3. I applied for PSLF forgiveness after XXXX XXXX verified my employment was eligible over the phone. I was then denied. Recently I received {$15.00} check for " the inconvenience '' and told the application might have been fine but they aren't looking at it again. 

4. EdFinancial has told me to talk to XXXX about this but XXXX won't help because they never had my loan. 

5. Back in XXXX I was given one warning over the phone that I would be in default. I was confused as I was receiving in-school deferment and there was a grace period. They said I needed to pay and could not fill out forms retroactively. I tried to pay THE VERY SAME DAY and was told I couldn't because the loan was marked for transfer. 

6. I am multiply XXXX but working. I am XXXX, legally XXXX, and in XXXX XXXX due to a XXXX XXXX. Speaking on the phone and filling out forms are difficult as an XXXX person and the wait times are hours long. I need help understanding why my classmates have received forgiveness but I haven't and if there is any way for me to resolve this. No one helps! I'm literally XXXX. 

7. My loans originated in XXXX WHEN I WAS A MINOR, FOR A SCHOOL THAT NO LONGER EXISTS 8. EdFinancial transferred my loan to themselves so my credit was hit then with my loans appearing to be paid off. Then months later my credit was hit again when the loans reappeared. The loans have not reappeared with all reporting agencies. 

9. I have paid about $ XXXX in interest alone but only about $ XXXX in principal. I have never brought home more than I owe. I probably never will since the balance never goes down. 

10. My loan payments have always been income contingent/based/driven and I have worked for non-profits since XXXX. I have not missed payments. The one loan they claim was defaulted was the same time another loan is reported as in repayment. All were consolidated together. My payment history is perfect. I still don't understand that one terrible phone call in XXXX. 

I really, sincerely, deeply need help.

Company response to consumer: Untimely response
Consumer complaint received 2020-09-10
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
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 reviewed my Chex Systems Consumer Report ID : XXXX and there are numerous credit inquiries listed on my consumer report. All of the credit inquiries are fraudulent and unauthorized except one from XXXX XXXX, the rest of the credit inquiries listed on my Chex Systems Consumer Report are all fraudulent, unauthorized and not my credit inquiries. There should only be 1 credit inquiry on my consumer report, and thats XXXX XXXX. Furthermore, the negative checking account from XXXX XXXX  and XXXX is a fraudulent account and not my account. I am a victim of identity theft and has a current police report on file with Chex Systems.

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 2022-09-11
Company: Experian Information Solutions Inc.
State: AZ
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 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 and Inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX- The inquiry was not Authorized XXXX XXXX XX/XX/XXXX - The inquiry was not Authorized XXXX  XXXX XX/XX/XXXX - The inquiry was not Authorized XXXX XXXX XXXX XX/XX/XXXX - The inquiry was not Authorized XXXX XXXX  - XX/XX/XXXX - The inquiry was not Authorized XXXX XX/XX/XXXX - The inquiry was not Authorized XXXX XX/XX/XXXX - The inquiry was not Authorized XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX The inquiry was not Authorized XXXX XXXX - XX/XX/XXXX - The inquiry was not Authorized XXXX XXXX XXXXXXXX XX/XX/XXXX - The inquiry was not Authorized XXXX XXXX  XX/XX/XXXX - The inquiry was not Authorized XXXX XXXX XX/XX/XXXX - The inquiry was not Authorized XXXX XXXX  XX/XX/XXXX - The inquiry was not Authorized XXXX XX/XX/XXXX- The inquiry was not Authorized ACCOUNTS XXXX XXXX XXXX  XXXX XXXX - This account has never been late, update this item to paid as agreed XXXX  XXXX - This account has never been late, update this item to paid as agreed XXXX XXXX XXXX - This account was never late, update this item to paid as agreed XXXX  XXXX - This account was never late, update this item to paid as agreed XXXX XXXX XXXX- Not reporting accurately under 1682e ( b ) XXXX XXXX XXXX - UNDER 1692j, cease and desist asap XXXX XXXX- Not reporting accurately, it says open but collections ? Delete this asap 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 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 2023-11-21
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I received a letter dated XX/XX/XXXX  from my local tax authority telling me my escrowed property taxes for XXXX  were paid late. As of the writing of that letter, my mortgage company had only submitted one half of the taxes due for my home, and I had been charged an extra {$180.00} for paying late. The first of two payments was due XX/XX/XXXX and was paid several months late on XX/XX/. 

I called on XXXX, XXXX XXXX  to get more information about why these payments were late and to have US Bank cover the late fees since this was due to an error on their end ( I've made every mortgage payment on time ). At that time, they told me they'd made all my payments on time and that they'd investigate the issue and get back to me. They told me I'd hear back from them within 10 business days, but I have not heard back yet. 

A new tax disbursement dated XX/XX/XXXX  has shown up in my online portal. This payment was due on XX/XX/XXXX  according to my county. I'm also unsure whether or not the {$180.00} will be paid by the mortgage servicer or not, as that has not been communicated 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 monetary relief
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
it's been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards of a late payment. They have not supplied this information and they must delete the ledge late payment on my credit report. Under federal law they have 30 days to complete the investigation and by failing to do so, the item must be delete it from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: ZWICKER & ASSOCIATES
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A XXXX account was opened in XXXX using a previous last name of XXXX. I've shown XXXX my social security card with my current name issued before the XXXX account was opened, and my State Drivers License with my legal name on it. I had no knowledge of the account until I received a notice to appear in court from their law firm. I go to court XXXX XXXX, XXXX. 

I believe this is a theft case that someone stole my identity using my old name but same social security number ; it's not only XXXX, it's a few other accounts that were also opened in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I learned thru a 3rd party credit monitoring account XXXX XXXX XXXX that I was assessed a whopping {$2200.00} finance charge with only a balance remaining of {$880.00} on an original load of {$6000.00} and approved credit of {$10000.00}. I checked my balance regularly ( monthly ) on the Comenity website and was never notified on this website or a formal written letter indicating that the original term agreement was to expire XX/XX/XXXXXXXX  ( I learned of this XX/XX/XXXX and paid off the the remaining balance of {$880.00} and attempted to file a dispute with the customer service to resolve this amicably. They have blatantly refused and the action they are taking is " deceptive '' at best and " deceitful '' at worst. This has resulted in a credit utilization increase of 30 % and now at a ridiculous 30 % interest rate. 

I have maintained an excellent credit history with XXXX  scores in the XXXX range. It is my hope to have resolved this reasonably even I had to pay a small penalty but not a penalty of {$2200.00} on an {$880.00} remaining balance which was paid off only days after the expiration and with no formal means of written or electronic notification. In this time of consumer crisis with high inflation, Comenity bank should reconsider their deceptive credit and communication practices. It is still my hope that this can be resolved with your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
equifax is allowing an unauthorized account to report on my credit report. the account was removed and blocked but now it's showing back on there

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-31
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 XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a 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 2022-12-31
Company: Experian Information Solutions 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 XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a 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 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 2023-05-25
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I purchased a Brand New XXXX Vehicle from AutoNation XXXX XXXX, my business with the dealership was finished and completed and I drove the car home, but XXXX month later on XX/XX/XXXX XXXX XXXX XXXX ran a Hard Pull Inquiry on my Credit Report Twice in one day WITHOUT MY PERMISSION, and because of it my Credit Score went down 54 points causing me damages. I have asked TransUnion Reporting Company to remove such unauthorized Fraudulent Inquiries from my Credit File but they won't let you file a dispute online over Fraudulent Unauthorized Inquiries ( see file attached ), which is completely unacceptable and illegal. Their behavior is abusive and a clear VIOLATION of The Fair Credit Reporting Act, which specifically states Hard Inquiries can not occur without permission AutoNation XXXX XXXX does not have my permission to run my credit XXXX months after my purchase.

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 2023-12-05
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Still showing unpaid on my credit of XXXX contact several time and its like nobody know anything about the car loan lease which is affecting my credit because its still showing u owe which I dont been getting the run around since XXXX of 2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My purse was stolen  from my car outside of the XXXX  shop and I was left with nothing I had no ID or any type of identification I called the police and made a report of the incident and notified the credit card company I provided a copy of the police report as well but they refuse to help me and investigate the issue thoroughly. Ive been suffering for years due to these accounts being reported derogatory on my report I even continued to pay but the fraudulent charges were never removed which resulted to my account being closed by the credit card company. Under FRCA law 15 USC 1644 I should be protected and this account should have been removed from my report years ago. I provided everything I was asked to I didn't have the report the same day but I took a photo of the case card and provided that until the report was ready

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023 I used the XXXX  ATM located at XXXX XXXX XXXX XXXX XXXX XXXX. This ATM is next to a XXXX XXXX  ATM. I wanted to withdraw {$300.00} using by chime debit card to then deposit that cash to my XXXX XXXX account. At XXXX XXXX  I requested {$300.00} from the XXXX  atm and it had a {$3.00} charge. The ATM cancelled my transaction, no money was dispensed and I collected the receipt. I called XXXX and they told me to dispute it with my bank. I then used my CHIME card at the XXXX  atm to withdraw the same amount of money that was not dispensed. I filed a dispute with CHIME and it was denied. 

Can the camera on the ATM be used to show that my transaction was cancelled?

Company response to consumer: Closed with explanation