BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-13
Company: Paypal Holdings, Inc
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX, I used PayPal XXXX XXXX service to make a payment of {$1600.00} and {$1200.00} to a XXXX credit card. PayPal claims payments usually take up to XXXX business days. The payments didn't post until XX/XX/XXXX. After searching around on the internet about the problem I found out that there were many other people experiencing the same problem with funds that were held up from XXXX/XXXX - XX/XX/XXXX. 

First I chatted with XXXX on XX/XX/XXXX and asked them to investigate the missing payments. Then I contacted XXXX also on XX/XX/XXXX, the PayPal subsidiary that handles money payments. They told me the payments I made show as sent and that I should let XXXX conclude it's investigation and if that didn't work I could dispute the payments with XXXX. 

Today when I discovered this post by searching the internet : https : XXXX # XXXX - I found out that the payment company that PayPal/XXXX  use XXXX XXXX XXXX called XXXX. Apparently many other people in that post/thread as well as other threads on the internet have complained about their XX/XX/XXXX payments also being delayed until today, XX/XX/XXXX. I didn't contact XXXX, because by the time I discovered the company resposible, other customers had called and alerted them about the problem and they fixed it. 

The PayPal XXXX XXXX service has been very handy for me in the past, but delays in their payment handling have been more frequent and longer. I want to continue using their service but I'd like to know why my money is being held more frequently and longer. I've experienced 7 day delays in the past but 16 days for them to process a payment is worrisome. I am concerned as to why they are holding the money so long and whether it is truly just a mistake on their part or whether there's more to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: HYUNDAI CAPITAL AMERICA
State: NY
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 writing today in regards to my account with XXXX XXXX Account # XXXX. I have reached out to XXXX in regards to a late pay XX/XX/XXXX. I got a response from XXXX Dated XXXX XXXX which says that my account will be be updated. Yet no updates have been completed based on my report dated XX/XX/XXXX it still remains on my credit 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 2023-03-16
Company: Experian Information Solutions Inc.
State: NC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 2023-01-13
Company: SANTANDER HOLDINGS USA, INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Today my car was repossessed for a second time, even though the account was brought current and monthly payments have been made. My issues began with this account after the initial XXXX occurred on XX/XX/2022, in which I was given 21 days ( XX/XX/XXXX ) to pay the amount of {$2300.00}. The payment also included my next monthly payment. After the payment was successfully made on Friday, XX/XX/2022, the vehicle was returned to me. Subsequently, two additional monthly payments were made and both were posted to my bank account on XX/XX/XXXX and then XX/XX/XXXX. There have been problems when trying to reach customer service by phone. Due to the phone system experiencing system difficulties, I'm unable to reach anyone directly for assistance. This vehicle is my family 's only means of transportation and has caused me a great deal of inconvenience with it being repossessed again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 went to the dealership shopping for a new car. l was approve with an extremely high interest rate so I checked my credit report to see why my rate was so high. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. XXXX 
XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. INQUIRIES : XXXX XXXX.  I have contacted the FTC and my local police. Im also doing this on my own behalf.

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 2023-03-16
Company: Experian Information Solutions 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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 
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
Consumer complaint received 2023-01-13
Company: Capio Partners, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Capio Partners LLCXXXX XXXX XXXX XXXX XXXX XXXX is illegally operating in the state of Ohio XXXX 
They are not licensed with the XXXX in the State of Ohio. 
I have never had contact with them and all of a sudden I am being harassed at work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have disputed fraud charges with H.depot since XX/XX/XXXX. I have submitted bank statements, police case number, and all disputed documents to the store and citibank. H.Depot credited the account, issued a new cc and terminated the fraud account per our conversation. Once I used the new card, I made a purchase and the store decided to add the fraud charges back. Citbank sent a letter below and I responded.I received the below email : We completed an additional investigation into your claim of unauthorized purchases on your account. We determined you are responsible for the charges in question. Our records indicate you did not report the unauthorized purchases in a timely manner ; however, payments were made on the account and the balance was not questioned. We have attached copies of the letters sent on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, for your review which includes additional information. As of the date of this letter, your account is currently past due {$29.00} with a Minimum Payment Due of {$70.00} on or before XX/XX/XXXX. Thanks for your inquiry. We'd like you to know that it's important to us and we appreciate the opportunity to respond. 

As I have stated in my previous email, I am NOT RESPONSIBLE FOR THE CHARGES IN QUESTION!!! AS I STATED, AS A CARD HOLDER WITH GREAT CREDIT WHO IS AN OWNER OF A COLLECTION AGENCY, I AM AWARE OF MY RIGHTS! I DID NOT PURCHASE THE ITEMS. I REPORTED THE FRAUD ONCE I BECAME AWARE OF THE FRAUD. CITI BANK IS AT FAULT FOR TELLING ME AS A CUSTOMER THAT I DID NOT REPORT THE CHARGES IN A TIMELY MANNER. THERE IS NOT A TIME FRAME TO REPORT FRAUD. IT IS REPORTED ONCE DETECTED. I PAID MY ACCOUNT BECAUSE I PAY ALL OF MY ACCOUNTS ON TIME. I HAD VANDALLISM IN MY HOME AND MY CARD WAS STOLEN. DUE TO THE VANDALLISM I WAS MADE AWARE OF THE FRAUD AND REPORTED IT IMMEDIATELY. I PAID FOR THE ITEMS I CHARGED AND THESE CHARGES ARE FRADULENT THAT WERE REPORTED! I AM NOT RESPONSIBLE AS I STATED IN MY PRIOR EMAIL AND THEY WILL BE DISPUTED. I WILL FORWARD THESE NOTICES TO MY ATTORNEY! 
I WAS ASKED TO SUBMIT MY BANK STATEMENTS FOR THE MONTH THAT THE FRAUD OCCURED AND I SUBMITTED TO HOME DEPOT ON 4 OCCASIONS. I WAS TOLD THE PURCHASES WERE MADE IN STORE. IT IS YOUR OBLIGATION TO DO AN INTERNAL INVESTIGATION AND PULL ALL CAMERA RECORDINGS. DO NOT BILL MY ACCOUNT FOR THESE FRAUD CHARGES.

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 2022-10-20
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/XXXX, at approximately XXXX XXXX, I received a voicemail from someone identifying herself as working for XXXX XXXX XXXX XXXX XXXX I called back and spoke to XXXX XXXX. She told me I was in collection for a debt of roughly {$200.00} to XXXX XXXX. I told her I did not recognize the amount and had received no bill from XXXX. She attempted at that point to get me to pay the amount, and I asked her what exactly it was for. 

At that point, she identified herself as a debt collector. I interrupted her and told her I believed she was in violation of the Fair Debt Collection Practices Act by not having first identified herself as a debt collector, despite discussing the debt with me and attempting to collect information. 

As soon as I told her this, she became irate, started yelling at me, and the hung up. I called back immediately and asked the person who answered to our a supervisor on the line. I was told the supervisor was busy but would call me back in XXXX minutes. No one ever called. 

Two weeks later, on XX/XX/2022, I received a call from FAMS at roundly XXXXXXXX XXXX, seeking to collect the debt. I explained that I had already requested verification, had not received any, and also had not received a call back from the supervisor. I was told one would call me back. Indeed, shortly later, I received a call. The supervisor apologized for XXXX XXXX 's violation of the statute and then began arguing with me about why I had not paid. I explained, repeatedly, that I had received no bill. She gave me dates of bills being sent to me. I explained to her I had moved months earlier, that my mail was forwarded, but that no bill or notice from FAMS had come to me. She said that as not their problem, and that she was entitled to continue collecting the debt. I told her I want no further communication from FAMS. 

I called XXXX after that call and received verification of the charges and paid the amount. They apologized for the behavior of FAMS. 

I am not satisfied with apologies. FAMS should be punished for the illegal behavior. I seek some kind of administrative remedy. If none can be made, I plan to bring a suit to seek {$1000.00} in statutory damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 2023-03-16
Company: Experian Information Solutions Inc.
State: VA
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: CreditNinja Lending, LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/XXXX I took out a loan for {$2000.00} with the company CreditNinja. I had been a customer for several months prior and my payment history was impeccable. Therefore, when I paid a loan off they would email me and instantly approve me for another loan. At the time of this loan contract I had moved into the state of XXXX I was a prior resident of XXXX XXXX. Unbeknownst to me Credit Ninja is not licensed to conduct business in Indiana. I was never asked to confirm any of my personal information and this company still has my old address in XXXX. In XX/XX/XXXX, I lost my job and for an entire year tried to keep up with this loan and paid a total of about {$4200.00}, with the last payment of {$75.00} paid on XX/XX/XXXX. When I could not keep up with the payments any longer, I advised them I could not continue to pay and they turned me over to a collection agency in XX/XX/XXXX, to a company called XXXX XXXX  ( XXXX ) based in XXXX, NV. I tried to work with this company for a least 6 months and told them I would like to try to settle for less than the balance in full and they refused me every time. The most recent refusal was today, I spoke with a manager named " XXXX '' on XX/XX/XXXX, he told me that they would settle for 50 % of {$5100.00}, which is {$2500.00}. I offered {$1000.00} to settle, which is all I can pay and that would put me in a bind, it was refused. As of XXXX, I have a collection which has been reported on my XXXX credit report from Credit ninja as the original lender and the agency is named as a XXXX XXXX XXXX XXXX, based in XXXX NV, which XXXX XXXX has advised me that they work in conjunction with, as XXXX is the client of XXXX XXXX 

I would like this negative mark removed from my credit report, which was put there by XXXX XXXX XXXX ( as stated by " XXXX '' the rep at XXXX XXXX ). I also want CreditNinja investigated for allowing me to lend with them as I was not in the state of XXXX when the loan was taken out and I have an XXXX ID ( attached ) issued in XXXX, as well as employment records to prove it because I was drawing unemployment in XXXX due to job loss during the time I was paying on this loan, The credit agency says that I still owe a total of {$5100.00} which is listed on my credit report, I can not afford to pay that amount, as I am a single parent supporting XXXX  daughters. I would like this balance cancelled and removed from my credit 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 monetary relief
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.

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 2023-03-16
Company: Experian Information Solutions Inc.
State: MD
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:
There are inquires on my credit report that I did not authorize. I verbally gave my XXXXredit score to the dealership representative, explicitly stating that I did not want their company to do any credit check but inform me, based on my score given VERBALLY, if there is any chance that I may qualify due to the fact I was only weighing out my available options towards purchasing a vehicle if so decided. Also, there was no signature involved granting permission to access my credit report to any car loan lender. I wrote a letter to each credit bureau indicating this issue and nothing has been done as yet. Below are the attached documents sent to each individual bureaus indicating the specific hard inquires on my account.

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 2023-01-17
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
To whom it XXXX concern, I have been a Cardmember of Costco Citi Bank XXXX ending in XXXX since XXXX. Throughout the XXXX years that I have been using this card I have always made ALL of my payments on time. 
On XX/XX/XXXX, of XXXX I received an update coming from the bank that exclaimed that my credit limit had been lowered due to my XXXX XXXX not being high enough. 
Due to this action taken by Citi Bank my overall XXXX XXXX was negatively affected ; Therefore, having been a loyal client by abiding to our contract during the XXXX years, I find this measure to be unfair by having negative repercussions on my XXXX XXXX, and affecting my overall status with every bank that I am a client of. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Charged upfront or unexpected fees

Complaint:
Dear [ Creditor ], I hope this letter finds you well. I am writing to address a matter concerning my credit report and the late payments that have been reported by your company. I believe that these late payments have been inaccurately reflected on my credit report, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

According to the FCRA, specifically 15 USC 1681 section 602, I have a fundamental right to privacy when it comes to my personal financial information. Additionally, 15 USC 1681 section 604a section 2 states that a consumer reporting agency, such as yourself, can not furnish information about my account without my explicit written instructions.

Furthermore, I would like to draw your attention to 15 USC 1666b, which states that a creditor may not treat a payment on a credit card account under an open consumer plan as late for any purpose. It is my understanding that this provision applies to my situation, as the late payments in question were made within the appropriate timeframe. 

Given the aforementioned legal provisions, I kindly request that you take immediate action to rectify this matter. Specifically, I request that you remove the late payments from my credit report and ensure that my credit history accurately reflects my payment history. 

I trust that you will handle this matter promptly and in accordance with the law. Please provide written confirmation once the necessary corrections have been made to my credit report. Failure to comply with my request may result in further legal action to protect my rights under the FCRA. 

Thank you for your attention to this matter. I look forward to a swift resolution. 

Sincerely, I

Company response to consumer: Closed with explanation