BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-02
Company: MARINER FINANCE, LLC
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:
To Whom It May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law. 

As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable. 

Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). 

I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XX/XX/XXXX), you may be liable for your willful noncompliance. 

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : MARINER FINANCE , LLC {$8900.00} Reported balance

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 2023-04-17
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I placed an order with XXXX. I authorized them to charge my PayPal {$3.00}. The remaining amount of the order was authorized to be paid with SNAP benefits ( everything qualified for EBT except one item that was $ XXXX which totaled to {$3.00} ). I entered my EBT pin on the website as usual and immediately got confirmation of the order, as it always does. Later, I learned that XXXX charged the entire order ( {$210.00} ) to my PayPal account which only had {$10.00} in it so they tried to charge my bank account for {$200.00}. My bank ( XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Ca ) has denied the charge, but charged me an overdraft fee of {$31.00}. Paypal is now asking for me to pay them {$200.00} and is sitting with a negative balance. I never authorized the amount charged to begin with and I definitely didn't authorize PayPal to carry a balance like a credit card. They should have denied it due to lack of funds to begin with. There wasn't enough money in any account of mine to cover a {$210.00} charge. Hence why I was using my SNAP benefits for food. I contacted XXXX multiple times. 2 reps said they would refund my money as it was a glitch in their system that made the mistake and charged the wrong payment method, but they never did and i never received the confirmation email about it as they said i would. I filed a claim with PayPal but they denied my claim stating it wasn't a billing issue and are now demanding I pay them the remaining balance {$200.00}. I never authorized that amount, I never authorized them to carry a balance, i have been charged a fee from my bank that is not my fault. I don't know where else to turn. I'm low income and budgeting isn't easy, but I manage. I can't manage or afford to pay for something I didn't authorize to begin with. I don't understand why it wasn't just denied since the funds weren't there. I can't understand why PayPal won't issue a refund because the charge was never authorized. XXXX has admitted the mistake was due to a glitch in there system but won't refund the amount taken. They said to contact PayPal. I contacted PayPal and they said to contact XXXX. I don't know where else to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report I have already disputed these items with the bureaus but they did not remove nor prove validation. 

under sec. 602 " I have a right to privacy '' XXXX XXXX Account Number : XXXX XXXXXXXX XXXXXXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : 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 2023-08-21
Company: Ray Klein, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from : Professional Credit Services : XXXX XXXX XXXX XXXX Oregon XXXX. Today : XXXX XXXX. Ph # XXXX. Account # XXXX. Addressed to me : XXXX XXXX XXXX XXXX XXXX XXXX Oregon XXXX. The bill was from XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX Oregon XXXX. I called XXXX XXXX they had no record of me. XXXX XXXX medicine. I called Professional Credit no record of me. But they have on file a XXXX XXXX, billing date of : XXXX. A court date of collection XXXX. I want re-inbursment times 3, for faults billing plus liability against me and to be restraining order to never contact me in anyway, to exspung this bill from all records.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
I recently, got an alert of a hard inquiry that I never authorized. 
1. ) Syncb/Walmrt PLCC XXXX XXXX XXXX/XXXX ( XX/XX/2019 ) I called Syncb/Walmrt PLCC corporate office. I was informed by a representative that my information was not in there database. Meaning that I didnt tried to apply with the company. The representative also mentioned that XXXX XXXX XXXX XXXX dont exist in their company. The representative informed me that XXXX XXXX was at fault for the miss information. I was advised to contact XXXX XXXX to sort out the miss information from their database. I emailed XXXX XXXX but they emailed me back saying to dispute the hard inquiry with XXXX credit bureau. Which, I really cant dispute a hard inquiry, with XXXX   credit bureau, unless Syncb/Walmrt PLCC directly sends a dispute on my behave. I remind you Syncb/Walmrt PLCC doesnt have my information because I never applied and they dont provide XXXX XXXX XXXX XXXX because that doesnt exists in their company. As stated previously, I just need someone to correct miss information from my credit report. 
Thank you for your Cooperation. 
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 non-monetary relief
Consumer complaint received 2020-08-18
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE XXXX XXXX XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free XXXX XXXX XXXX, XXXX XXXX and Credit XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 2023-10-10
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My credit card was charged on XX/XX/2023, for {$870.00} in a home depot store. 
The card was in my possession at that time, and I was not at that store. Citi claims that since the card was used by chip, I am responsible for payment. I checked on public records, and saw that in year 2023, credit card chips can be counterfeit, so I should not be responsible for this unauthorized charge. 
Citi as well gave me the sales receipt with a unknown signature that's not from me, or anyone I know with items I never purchased.

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 2023-10-10
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/ I got a loan at XXXX in XXXX XXXX Ny for a used XXXX XXXX XXXX  that had XXXX miles. I was under the assumption I was paying {$13000.00} for this vehicle. All said Im down the interest was over {$10000.00}. So the car was then set at {$26000.00}. I currently owe {$23000.00}. My car is only worth $ XXXX {$5000.00}. Im paying way over what the car is worth. Between XXXX XXXX XXXX XXXX XXXX my car increase {$280.00}. I do not want to pay {$23000.00} for a car that is worth {$4000.00}

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 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have called Experian and XXXX  at least a dozen times each in the last 24 hours, in an attempt to resolve a negative public record issue on my credit report. I have spent half of the time on an automated system, unable to reach a live human being. The other half was spent reaching a live human being, outsourced from XXXX. The customer service representatives were professional, but the language barrier made it impossible for us to communicate. I had often had extreme difficulty understanding the representatives broken English, and in like manner, the representatives did not understand my issue, nor my plea for a resolution. I was at one point instructed to " go to the courthouse ''. Needless to say, the federal courthouse advised that this was an issue outside of their wheelhouse.

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 2022-08-27
Company: CL Holdings LLC
State: MA
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:
File a complaint XX/XX/XXXX XXXX Jefferson system capital Have not taken XXXX off my credit report. 
Im XXXX and I waited XXXX  years to get a housing voucher. Im getting refused housing because of the derogatory mark and my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Name : XXXX XXXX XXXX Involved : Santander Bank Bank Address : XXXX XXXX XXXX NY XXXX Bank Telephone : XXXX My Account was locked due to a {$25000.00} SBA Loan which I received for my XXXX. I've attempted to resolve the issue with my Bank & have my account unlocked but all my efforts have so far proven abortive. I've provided the Bank with my XXXX Registration Documentation as well as SBA Loan Documentation as of  XX/XX/2020 but Santander Bank has refused to unlock my account. Please kindly assist me in unlocking my account & retrieving my trapped funds being held up by Santander Bank. 

Action Taken : On XX/XX/2020 I provided XXXX XXXX Personal Banker/ Small Business Specialist with my XXXX   Registration Documentation as well as SBA Loan Documentation but Santander Bank has vehemently refused to unlock 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 explanation
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: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, Equifax and XXXX XXXX are not responding to any of my requests to investigate and verify accounts in my consumer credit reports that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act. the INQUIRES listed below in the SECOND paragraph have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to 15 USC 1681 SECTION 602A. states I have the right to privacy 15 USC 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 7 years. 15 USC 1681 S-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

The Following inquiries are unauthorized. XXXX XXXX  ser 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 XXXXXX/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 2022-08-27
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Experian Information Solutions Inc.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. DEPTEDXXXX   XXXX {$2300.00} DEPTEDXXXX  XXXX {$4000.00} DEPTEDXXXX XXXX {$7300.00} DEPTEDXXXX  XXXX {$2300.00} DEPTEDXXXX   XXXX {$1100.00} XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX {$910.00} DEPTEDXXXX XXXX {$4200.00} DEPTEDXXXX XXXX {$4800.00} DEPTEDXXXX  XXXX {$4100.00} DEPTEDXXXX   XXXX {$5000.00} DEPTEDXXXX XXXX {$2800.00}

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 2022-12-20
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was given credits for canceled flights by XXXX XXXX through my chase bank account. The fees were reversed and took my account over {$400.00} negative and my account was closed by the bank now I can not open an account with any other bank or credit union due to this the airline was supposed to issue a flight credit and never did then told the bank that I was on the flights so the bank said that cant go against the airline. The dates are XX/XX/22 XX/XX/22 XX/XX/22 XX/XX/22 and XX/XX/22 the balance was {$470.00} that I was charged

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Amounts on my card were charged that werent charged by me. I am trying to resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Associated Credit Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Associated Credit Services has been calling and sending emails I have never had an account with them and they are calling / email attempting to damage or intent to place harm to my credit. 


This is incorrect information via email Emails came from notifications @ XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Creditor : XXXXXXXX XXXX Our Account Number : XXXX Original Account Number : XXXX Balance : {$920.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Servion, Inc.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been struggling with Servion for months now since they mistakenly sent out payments incorrectly to multiple insurance companies without telling me. My escrow account was completely raided, and escrow recalculation this year was all messed up and now my payments are also incorrectly calculated this year. I spoke to multiple agents, most recently I sent out an email directly to XXXX XXXX, XXXX XXXX for Wisconsin. XXXX put me in contact with XXXX XXXX, who assured me this is all taken care of now and my XXXX $ payment ( much of which is the funds I had to track down myself that Servion sent out into the nether without any info to me as to where ) would be correctly applied. XXXX gave me an exact amount he calculated on his end with his team that I would see on this month 's statement. It didn't happen, I have this month 's statement now and everything is still messed up. Oh and I cant get a hold on XXXX anymore, he is awol. I am calling Lawyers at this point because I have no choice.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation