BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-08
Company: DriveTime
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I am purchasing a car from drive time. I have always made my payments on time for over XXXX years. My payments are {$470.00} a month. I make my XXXX payments a month of {$230.00}. I have recently feel into a hardship. I lost my job and I am having to take care of my mother XXXX and I also have put about {$700.00} in to the car bc it was having issues. I called drive time and advised them that I would not be able to make my payment for ( XXXX XXXX XXXX XXXX ) and I asked for a deferment. The collection representative advised me I was not elligable for a deferment BC I was never late. She stated to let my account fall delinquent and call bk XXXX XXXX. So I did. Another rep told me I could get a deferment and my payment was due. I advised her that when I spoke with the previous rep that 's not what we discussed. She told me I had to mail in my receipt form the work done on the car to try for a deferment. I advised her that when I spoke with the rep bfor she did not tell me I needed to fax those In and they were thrown away. She then transfered me to the rep I spoke with on XXXX XXXX. I advised he that I could not make those XXXX payments until my unemployment started and I would make my payment of XXXX by XXXX XXXX. She stated that she would set the arrangement and that would be fine. I adv he that I do not want calls bc i am taking care of my brother and NOT TO CALL ME. A couple days later i get a call i was unable to answer so i called bk. A rep stated that the arrangement was never set on the acct. I asked to speak with a XXXX i was on hold for XXXX mins. I then explained to the XXXX I was not suppose to receive calls and they did not set the arrangement as stated. She stated she could set a arrangement and transfered me to customer relations. The lady as that time stated she set the arrangement for me to make a payment on XXXX XXXX. I adv her again DO NOT CALL ME. XXXX days later they call. A manager cancaled the arrangement. I called bk furious BC I had told them several times not to call me and felt like I am being harassed and BC they told me arrangement was set and now they want to change it. I adv her of when I could make the payment I would have the funds by then and she wanted XXXX argue with me and tell me I have to pay {$400.00} by XXXX XXXX. I told her there was no way I could pay when I had already worked out the other arrangement and put money in the car. I also adv her that I told her it was against the law to contact me after I stated not to call me and she ignored me and continued to try and collect. I was treated very unfairly by this company and I am speaking with an attorney due to the harassment. I feel like the car should be returned and the trade line removed from my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: IN
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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit 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 2022-09-13
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My Paypal account was used to make a purchase off a website called XXXX. The website was a preorder business for sneakers and Paypal was the only accepted form of payment. Three total sneakers were ordered off the website on separate transactions : The first on XX/XX/2022 in the amount of {$220.00}, next on XX/XX/2022 in the amount of {$210.00}, and finally on XX/XX/2022 in the amount of {$230.00}. The transaction total was {$660.00} and was all paid to the merchant through my Paypal account. Prior to delivery of the merchandise the business had gone bankrupt, therefore I never received any of my orders. I immediately filed a claim with Paypal by XX/XX/2022 to try and get a refund for my purchase. The claims were escalated by the representative, but was denied citing reasons that " buyer protection '' does not apply to items purchased with the intent to resell. The ordered merchandise was solely for my own personal use and collection. There was no intent to resell or redistribute the purchased merchandise. Have been attempting to reopen claims, however Paypal continues to refuse refunding my purchases even though it falls under their buyer protection policy. Trying to seek resolution but thus far have bene unsuccessful as Paypal continues to assume my intent for purchase was to resale.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 non-monetary relief
Consumer complaint received 2022-10-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Ive had an extraordinary with chase throughout the years, theyre my first and only bank, Ive never had or done any type of fraudulent activity on my accounts until this unfortunate situation. My account was hacked and my identity has currently been stolen, Ive recently reached out to identity theft. But chase please review this because i really love chase and hope for it to continue being my bank. I cant get into my account to send dates and amounts but one amount that was sent back was {$720.00} dollars I believe from XXXX XXXX XXXX, that the only way I saw was because they called me telling me this and by that time the account was already closed and I couldnt get in. Please Im literally begging to review this, in almost 6 years with you Ive never experienced any of this until now. Thankyou chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
When I opened my account at Chase I specifically asked for an account without overdraft so that I would not have to pay any overdraft fees since I rely on Social Security. 

However, my XXXX account was automatically renewed about XXXX XXXX, XXXX  when the subscription actually ends in XX/XX/2023 ( one month earlier ) and my account was overdrawn by about {$90.00}. This action would have incurred the overdraft fee which I tried to avoid when I opened the account. 

I contacted the Bank about it because I thought that " no overdraft meant NO Overdraft and the representative told me that since it is a subscription it automatically comes out and that I should contact XXXX. The representative finally told me that is a safety account that has the feature I want, and naturally there is a fee for that. 

As a result, I had to cancel my XXXX account to avoid the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2022-06-04
Company: Affirm Holdings, Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2022 I tried to apply for a loan with Affirm for a purchase of less than {$250.00} and it keeps on getting denied because according to Affirm, they can not verify my identity. I have called them multiple times to let them know I proceeded to remove a credit freeze I had placed on XXXX, XXXX and XXXX XXXX, to help them verify my identity, and they are still giving the lame excuse of " not being able to identity me. '' I count with a good credit score on all credit bureaus, the freezes have been removed so they can identify me, PLUS, I have sent them a copy of my driver 's license and a picture holding my license next to my face TWICE, and they are still not able to identify me. 
I spoke to a supervisor by the name of XXXX on XX/XX/2022, and I asked him to let me know exactly what is it that they need to identify my identity, and he said they do not need anything because they verified me already and to just give it 24 hours to reaply for the purchase loan. 
According to what I was told by the credit bureaus, freeze lifts go into effect immediately. I still went ahead and waited the 24 hours this supervisor by the name of XXXX, had adviced me to wait before reaplying. So, 24 hours later, I applied again for the this loan, and I keep on getting denied because my identity can not be verified. 
Affirm 's customer service is deplorable. Noone takes accountability for any situation. Every time I call, nothing gets resolved and eventhough I have done every single thing there is to do to verify my identity, they keep on giving me the same lame excuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: EQUIFAX, INC.
State: MD
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 unblemished credit has suffered a sudden, surprising, and stubborn XXXX which now imperils my timely repayment of obligations taken on to get through the XXXX pandemic, and which I am sworn to honorably achieve. 

In XXXX, XXXX, XXXX reported an old account of mine, for XXXX XXXX XXXX, closed since XXXX, to all three credit bureaus, showing an XXXX unpaid balance. This balance accrued from false and fraudulent charges and fees some for services not rendered, some for service tier changes made against my instructions, some for billing contrary to sales pitches, etc. I had made regular ongoing payments for legitimate charges, but had refused those which were unethical. My vigorous good-faith efforts toward remedy were of no avail. 

I disputed this XXXX XXXX  with the bureaus. Their 'investigations ' yielded nothing beyond the likes of, " We contacted the company for them to investigate your dispute. The results are : This creditor has verified that the current status is being reported correctly. '' I agree the false fees are being reported exactly as they were originally falsely charged. Of course XXXX denies their unethical conduct. But their misconduct is not my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX # XXXX in accordance with the Fair Credit Reporting act Convergent Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX # XXXX in accordance with the Fair Credit Reporting act Convergent Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX, XXXX Act. # XXXX in accordance with the Fair Credit Reporting act Convergent Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Cc XXXX XXXX XXXX # XXXX in accordance with the Fair Credit Reporting act Convergent Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX in accordance with the Fair Credit Reporting act Convergent Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX & XXXX XXXX XXXX in accordance with the Fair Credit Reporting act Convergent Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Convergent Outsourcing XXXX in accordance with the Fair Credit Reporting act Convergent Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-12
Company: Atlantic Recovery Solutions LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Atlantic Recovery Solutions called me on my cell phone at XXXX XXXX on XX/XX/18. They left me a vague message saying they were following up on a previous conversation we had. Literally 11 minutes later, they called me on my employer 's phone line from a different number and I answered. The employee, XXXX at first refused to say where she was calling from. She kept yelling at me " Did you get my email, did you get my email? '' and wouldn't let me speak. I then told her they do not have permission to call me at my place of employment. She then yelled at me " I can call you wherever and whenever I want ''. 

Her comments feel like stalking behaviors and I am concerned that my request to not be called at my place of empoyment will not be honored. Also disturbing- the email that she said was from her was sent by someone named " XXXX XXXX, not her. I don't know if a " XXXX '' even exists. I am asking that Atlantic Recovery Solutions cease and desist all contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-26
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-04-07
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 ; XXXX XXXX XXXX  XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX : {$100.00} ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.

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 2023-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XXXX/XXXX/2023, I submitted complaint XXXX. On XXXX/XXXX/2023 Transunion acknowledged that it was received and that they would respond. This is regarding a bankruptcy that was disputed with their third party verifier. Once again, similar to the previous complaint, within 2 days of submission of this CFPB complaint, Transunion has supposedly verified this erroneous listing despite being sent documentation that they are ignoring. I did not ask for another 24 hour investigation, I asked that this documentation be reviewed and removed for inaccuracy. Tranunion has not responded to complaint XXXX and instead continue to automate responses.

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 2023-10-26
Company: Experian Information Solutions Inc.
State: MA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-01-12
Company: SYNCHRONY FINANCIAL
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My XXXX  was purchased brand new in XXXX XXXX and Financed through Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX. 
Their payment address is : XXXX XXXX XXXX XXXX GA XXXX This bank has no online payment portal or website, does not take payments over the phone without a fee and now has NO PAYMENT Processing center. 
I sent my payment for XX/XX/XXXX to them on XX/XX/XXXX via XXXX XXXX  XXXX XXXX it was mailed to the XXXX XXXX in XXXX Because this company has no technology XXXXXXXX XXXX mails them a physical check. XXXX XXXX mailed the check for XXXX on XX/XX/XXXX to the GA XXXX XXXX XXXX On XX/XX/XXXX I noted the payment had not been cashed/cleared my bank account. On XX/XX/XXXX I called Synchrony @ XXXX and was told I needed to wait 7-10 business days. This was weird because usually Synchrony cashes it either the day its sent or the next day. My wife called them back on XX/XX/XXXX and was told that their payment processing center in GA ( address listed above in GA ) was unknowingly or surprisingly shut down and all payments had been routed to someplace in Texas. My wife has called them every day starting on XX/XX/XXXX to see if they had the payment. 
Today XX/XX/XXXX when she called, she was told that we need to wait for the checks to be caught up. They are trying to process thousands of checks, but this is not my problem. If we want to make a payment tomorrow ove the phone XX/XX/XXXX for our due date of XX/XX/XXXX it will cost us a Fee which they refuse to waive. They refuse to provide a new payment address and have left us almost to the point of not being able to make our payments let alone timely. We need help making sure payments are captured timely and posted timely. 
I find it very hard to believe that they had no forewarning about their payment processing center in GA being closed. I also find it hard to believe that they have NO OTHER WAY of accepting payments. They want to setup for direct XXXX withdraws from my checking account, but they can't even handle a paper check so I can't trust them on this. 
At this point my XXXX/XXXX payment is going to be late due to their ineptitude and they say they will waive fee 's but I doubt that as well.

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