BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-24
Company: Sequium Asset Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
COMPANY REPORTED A COLLECTION ACCOUNT FOR {$130.00} on my credit report for an account that is not mines. They have refused to try and resolve this or remove this off my report. all they say is they cant talk with me because its not my account. I called and they hung up on me 5 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXXXXXX SC XXXX XXXX XXXXXXXX XXXX XXXX XXXX SC XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX  US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$0.00} US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not give authorization or start these accounts, and it is unjust for me to bear responsibility for them. I implore you to take prompt action to correct this mistake

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 2023-05-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

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

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX have violated my rights. 

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

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

Company 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 2023-05-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. under USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666 B a creditor may not treat a payment on a credit card account on an open end consumer credit plan as late for any purpose 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 2021-12-24
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had an account with Chime bank for the last XXXX years without a problem, last year I signed up for Chime 's secured credit card to help raise my credit score. I use my checking account to transfer money from my XXXX and use the credit card for bill pay. I haven't had any problems doing so over the last year. On XX/XX/XXXX I tried to log into my account and received a very small notification on the screen saying my account was closed and if I thought this was in error to contact XXXX. I thought this is surely a mistake since I wasn't notified in advance of my account closure and thought I'll try to log in tomorrow and see what happens. I tried XXXXhree days in a row before I sent an email to Chime. On XX/XX/XXXX I received an email stating my accounts had been closed for the following reasons : " Account does not comply with internal policies and. or the member agreement. '' no further explanation for how/why my account was not in compliance. In the same closure letter I was informed that if I had money in my account a check would be mailed to me within the next 30 days ( that's is insanity to have to wait that long for money that belongs to me!!! ) I was also informed I am not eligible for a refund of MY funds without any further explanation. On XX/XX/XXXX I sent an email and received a response that basically stated due to security reasons I have to email them from the email Chime has on file for me so they can assist me with my problem. I went ahead and sent an email from the email address they had on file the same day ( XX/XX/XXXX ) and still have not heard anything in response. I sent another email today ( XX/XX/XXXX ). I tried to call the customer services number but since my phone number is registered to my account I just get an automated response saying my account was closed and I need to email them for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: Paypal Holdings, Inc
State: MT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I opened a Venmo account on XX/XX/2021 to pay a friend. That transaction went through just fine. 

On XX/XX/2021 the same friend needed to send me XXXX At that time I learned my Venmo account was XXXX. 

I contacted Venmo through email and received responses indicating that I somehow violated their user agreement, and to unfreeze my account I need to send them a copy of my government ID. 

They have given me no explanation as to how my account violated They also say they sent me an email on XX/XX/2021 stating this BUT I never received that email. 

At this point I NO LONGER WANT OR NEED A VENMO ACCOUNT I called this morning XX/XX/2021 to find out how I completely close my account. 
I spoke to XXXX and then a supervisor named XXXX who said they can only close my account if I unfreeze my account by sending my government id. 

I DO NOT WANT TO DO BUSINESS WITH THIS COMPANY AND HAVE XXXX FAITH IN THIS BUSINESS. 

I SHOULD NOT HAVE TO SEND A BUSINESS I DONT WANT TO DO BUSINESS WITH MY PERSONAL GOVERNMENT ID. 

I WANT MY ACCOUNT AND ANY INFORMATION ABOUT ME TO BE REMOVED FROM THEIR SYSTEM AND I SHOULDNT HAVE TO GIVE THEM MORE INFORMATION TO DO THAT. 

Thank you! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, 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:
Social security number is XXXX Equifax Information Services LLC my credit report theirs is negative item that's 90 days late late four is XXXX my complaint is that it supposed to be removed from my report I have a federal trade commission identity theft report on file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
State: PA
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 dated XXXX 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. 
Fix the following accounts in my file : XXXX XXXX XXXX : {$25000.00} XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I am currently in the process of selling my mobile home. My current lender states that they can not provide me with a copy of my title that my buyer needs in order to close. Because of this, I had to get a copy from XXXX. In order for XXXX to release a copy of my title, they need a letter from the mortgage company saying they have permission to print out the title ( being that they are the lienholder ). Which at that point, the original title would be sent to them and a copy would be given to me so I will be able to close. The mortgage company refused to send a letter for permission to XXXX. They are holding up the sale on my mobile home.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I keep getting {$0.00} statements

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 2023-05-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX Balance : {$680.00} XXXX XXXX XXXX XXXX : {$28000.00} XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXXXXXX Balance : {$6700.00} XXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX Balance : {$680.00} XXXXXXXX XXXX XXXXXXXX Balance : {$790.00} XXXX XXXX XXXX Balance XXXX {$790.00} XXXXXXXX XXXX XXXXXXXX Balance : {$28000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Exeter Finance Corp.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023, I filed for a dispute on an auto loan account I have on my credit report. As of that same day, XX/XX/2023, that account was paid in full and I provided receipts showing that the account was paid in full. XXXX, the company investigating my dispute, finalizes my dispute today XX/XX/2023 and states that they updated the information but upon checking my report, they said for the month of XXXX, the account shows as charged off. Normally a final decision from the company that I have a credit line with does not finalize any decisions until the end of the month but they decided to say that its still delinquent and charged off when I paid the amount in full. I have proof of the receipts, confirmation codes, as well as bank account withdrawals from Exeter Finance that shows they took money out in a total amount of {$8100.00}. Specific days go as follows : - Friday, XX/XX/2023, a {$3000.00} payment was made to Exeter Finance as well as a {$2900.00} payment. In total, a {$5900.00} payment was made to Exeter Finance on XX/XX/2023. 

- Monday, XX/XX/2023, a payment of {$2200.00} was made to Exeter Finance. 

In total, with all payments made, it should add up to {$8100.00} which is the total amount Exeter Finance states I owed so as of XX/XX/2023, the account was paid in full and there should be no balance. 

I was also told that I should receive my title for the vehicle within 30-45 days which further states that the payments that were sent were finalized, accepted, and processed in their system to move on with the title process. 

XXXX reporting inaccurate information on my account and stating that the account is not paid in full when I provided them accurate information which comes straight from the Loan company in which I had a credit line with is most definitely an offense in regards to my consumer rights. 

According to 15 U.S. Code 1681A Sub Section 2 ( Exclusions ), the term consumer report DOES NOT include ANY REPORT containing information solely as to TRANSACTIONS or EXPERIENCES between the CONSUMER and the PERSON MAKING THE REPORT.

Meaning, a transaction or experience with Exeter Finance such as a " Late Payment '' that could cause the account to become closed or charged off. That is considered an experience that Exeter Finance had with myself which is against my consumer rights for this information to be reported.

Nothing under the Fair Credit Reporting Act requires ANY financial institution to furnish negative information to a consumer reporting agency. 

The damages this has caused has made other financial institutions such as XXXX XXXX, XXXX, XXXX, etc., deny me of credit because XXXX continues to report false information on my account which in term has decreased my credit even further.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
It's about Barclaycard visa card.

I applied and received this visa card since it offers promotional interest for large purchases. I used it to buy a laptop and an XXXX at the XXXX XXXX. At the time of the purchase, they offered 2 year deferred interest as long as I paid it off before the promotional period. I have been making extra payment to pay off the promotional balance. However, I noticed that there's still a residual balance even after I paid more than the statement balance. I called their customer service on XX/XX/19 and spoke with their representative and their manager. I was told there's nothing they can do because that's the way their system is setup. What has happened is their system has been applying my extra payment to transactions after the statement cut off date first. Therefore, even thought I've been making extra payments, it does not and never will be applying to the deferred interest balance. The only way is for me to clear the deferred interest balance is to make a payment for all transactions as of the date the payment is received by XXXX, regardless of what the statement balance shows. 

What does not make any sense is this is a Visa card. All payments should always apply to the balance on the monthly statement first, not transactions happened after the statement cut off date first. This is not a debit card. I think they do this on purpose so that they can charge consumers extra interest without formally telling them how they setup their system. Once again, another corporate fraud trying to trick honest, hard working American consumers. 

I think XXXX not only needs to revise the way their system is setup, but also need to pay a fine and penalty to all consumers impacted by this fraudulent setup. This is another fraudulent act triggered by corporate greed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Southwest Credit Systems, L.P.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I switched my XXXX XXXX account from personal to business & had everything transferred but the debt collection agency is saying I owe on the personal account but the items they are saying I owe I pay for monthly on my business account that is in good standing with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
An American Express card holder, XXXX XXXX, recently filed XXXX credit card charge back disputes of his {$5000.00} retainer fee payment for our legal goods/services for his girlfriend XXXX XXXX XXXX claiming that " item was not received. '' However, we provided proof to XXXX ( our merchant service ) that the item was in fact delivered to the client ( attached ). Please immediately reverse this dispute and stolen {$5000.00} from our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions Inc.
State: MI
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 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 XXXX : 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 explanation
Consumer complaint received 2022-08-09
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hi, I have been using paypal for my business transaction. My email : XXXX On the XXXX of XX/XX/2022. I had a payment made by an Artist who emailed me for playlist placement on my playlist. He paid a sum of XXXX $ via echeck ( according to paypal ) and the money showed pending in my paypal. ( eCheck details Amount : {$40.00} USD Transaction XXXX Note : Playlist placement, Payment details, Buyer : XXXX XXXX XXXX XXXX : Playlist placement ) I messaged paypal to ask why the money was not yet in my account, and in a few hours my account was limited and I was asked to submit documents I have submitted before, I tried to comply but I was locked out of my paypal account, I couldnt access paypal via the web. I could use just the app and in the app it was impossible to send pdf. I contacted paypal again asking how I would be able to send the pdf file ( bank statement ) which proves my identity and address. In a few hours I recieved another email saying my account has been permanently limited ( banned ) from paypal. I tried messaging via the message centre but it was closed. I couldnt contact paypal. I have done nothing wrong by recieveing payment for spotify playlisting services. I have tried to message them via XXXX  but there is no response. I was permanently banned on XX/XX/2022, XXXX XXXX. This is an unfair treatment because I hav n't done anything wrong. I have conducted buisness in a fair and legal way. Also paypal promotes buyers to scam me, because some artists after being playlisted and recieve streams, they claim they have not recieved streams and file complaints to get their money back after I have done the job. Since its a digital product, even if I send proof that this artists have recieved streams paypal always judge to the favour of the buyer leaving me at a loss. Please I want my account back.

Company response to consumer: Closed with explanation