BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022, a family member was scammed on XXXX and they took her identity. They convinced me to give them {$1000.00}. They asked me to transfer the money. I realized what was going on while the transaction was still pending at the bank. I told them that I was scammed and they opened a claim. 
Today I spoke to them and they told me they could not do anything for me. 

XXXX and BOA said again I should transfer money to family and friends only and I did, they were scammed! 

I demand they protect me and others from online criminals and refund my money since I followed their rules.

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 2023-09-08
Company: SANTANDER HOLDINGS USA, INC.
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge 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:
We already did this, XXXX XXXX  total XXXX XX/XX/2022. I never oked these transactions. They have denied. me again and still have not sent me the emails. There are no emails, I did not ok anything. Asked them how they can keep from giving back the money, with no emails. They said it was your card. It was my card, that obviously got hacked..

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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/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 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 XXXXXXXX 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 2023-05-28
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
PayPal refuses to refund money taken from by bank account via ACH for a purchase that was cancelled same day of purchase with both PayPal and the seller XXXX XXXX. PayPal is trying to contort the narrative that I attempted to use a PayPal credit that was denied. As a result they took money via bank ACH. Here is the problem with that lie and misinformation. The purchase was made XX/XX/XXXX online at the XXXX XXXX website. I choose the payment via payment in 4 via my XXXX XXXX. Its the method I always use. When I realized the full amount, I immediately called PayPal. They were closed. Their online chat bot referred my to the portal. I checked cancel agreement. A few hours later when they opened, I called an cancelled on the telephone. Then I called the seller XXXX XXXX. I cancelled twice. First with a rep, and then a manager. The manager confirmed the cancellation. I then called PayPal to confirm. PayPal told me I was good. But the money was from my debit card. That was rarely use my debit card. Its always XXXX XXXX due to their buyers protection. I underscored with PayPal the order was CANCELED. Much to my chagrin, the next day the took money via ACH from my bank. I filed multiple disputes with PayPal. I even had the seller CONFIRM the order was cancelled, never shipped, and never delivered. Yet papal continues to play games refunding {$1300.00} to my account. I even have an email from the seller confirming the refund and cancellation. Moreover, I have an email from a PayPal rep named XXXX. He confirmed the seller had until XX/XX/XXXX. At that point PayPal would refund. Its XX/XX/XXXX, and PayPal has now asked until XX/XX/XXXX. Unacceptable. Their new supervisor XXXX has twisted the narrative to say I wanted to use a PayPal seller credit ( of which there is ZERO credit available ) to make a {$1300.00} purchase? Thats preposterous and a lie. I wanted the purchase from my XXXX XXXX with pay in 4 option. They CONVENIENTLY obviated that payment option because they knew XXXX had buyers protection where debit cards rarely have this. As of XX/XX/XXXX, I have sent XXXX the sellers email confirming the refund and cancellation. PayPal also has the RECORDING of their own rep XXXX saying the dispute would be closed by XX/XX/XXXX and my money refunded XXXX has engaged in predatory and bad business practices. I am demanding my {$1300.00} refunded ASAP

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-28
Company: USCB Corporation
State: CA
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:
This company is reporting a collection on my credit report and i will want it verified and removed immediately.

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 2020-06-13
Company: MoneyLion 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: Account status incorrect

Complaint:
Doing business with MoneyLion has turned into a nightmare from the poor customer service, poorly functioning app, lies, and now reporting errors to my credit file. MoneyLion makes claims regarding the app but it barely functions as it should, I previously had issues taking out a new loan via the app because of it not functioning correctly and giving me errors. I have never been able to successfully make payments of any kind via the app due to errors stating : " It's not you, it's the internet. '' when it's not a device or internet issue. However, on XX/XX/2020, I spoke with a condescending manager who processed my payment in full for my MoneyLion Loan # XXXX. As of today 's date, I received an alert from Transunion that XXXX has reported my account 30 Days Past Due with a {$86.00} balance. This loan does not have a balance as it was paid in full and there has not been a 30 Day delinquency. I also still have yet to receive resolution regarding my XXXX Limit that was {$210.00} not reflecting correctly within the app. Currently, my XXXX is saying that I have a {$0.00} Limit when it should be {$95.00} out of {$210.00} remaining. The {$95.00} that was taken out, was repaid XX/XX/2020. This didn't become a problem until I received an email form a manager by the name of XXXX. Also, my XXXX reward was not paid or deposited into my Investment account for the month of XXXX. I also had to deal with my money not being accessible in my XXXX account due to not being unable to unlock my debit card via the app with no warning from XXXX on XX/XX/2020. These problems are ongoing and unacceptable. I had no one to speak to and this is why I would never direct deposit my funds into this account. If I was stranded on the side of the road, my money would have done me no good as in this account, there was no way for me to access it. MoneyLion has failed to address these ongoing issues properly. There is never a way to reach anyone when you need someone and if and when you do get someone on the phone from customer service, they are no help, they lie, and basically serve no purpose. I scheduled a callback on MoneyLion 's youcanbook me link and no one ever called. The lists of problems keeps growing and growing. I spoke to a gentlemen by the name of XXXX XXXX who appeared to understand that all of the problems that I have been experiencing are no fault of mine. However, the issues have not been resolved and I understand that the issues are not XXXX XXXX 's fault. However, my experience with MoneyLion is beyond unacceptable. This is becoming a nightmare and this company needs to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 2023-03-06
Company: Experian Information Solutions Inc.
State: TX
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 explanation
Consumer complaint received 2023-05-28
Company: The CMI Group, Inc.
State: CA
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:
THEY REPORTED A COLLECTION ACCOUNT FOR XXXX XXXX AND IT HAS DAMAGED MY CREDIT. COLLECTION ACCOUNT IS UNDER XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX Monday XXXX I have money transfer from XXXX  XXXX  XXXX dollars that was initiated on a Friday and arrived Monday at XXXX. At XXXX I see a pre authorized charge from XXXX XXXX for XXXX XXXX I hit up my bank instantly & told them I did not authorize this? I hit up XXXX XXXX and they said a bank filed a dispute and took funds from my chime card that was attached on file. I was confused on what happened and see that I was scammed out my money chime took no action and closed my dispute leaving me of an inconvenience of XXXX $ short XXXX XXXX  cant do nothing neither can chime. I dont own a XXXX card Im not a member & dont know when I got hacked for this nonsense never authorized none of these transactions besides the XXXX $ transfer the dispute theyre talking about is from a whole month earlier??? I dont know whats going on

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: CCS Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/ I sent Credit Collection Service two certified Validation letter though USPS to verify proof of debt for account number XXXX in the amount of XXXX XXXX and XXXX XXXX Dollars as reported on my Credit Report, and for account number XXXX in the amount of XXXX XXXX and XXXX Dollars as reported on my credit report. Credit Collection Service received and signed for that Validation letter on XX/XX/2023 as of XX/XX/XXXX Credit Collection Service has failed to respond to the validation letter. Further more Credit Collection Service has violated FDCPA section 1692E ( 8 ) failure to report/mark my account disputed with XXXX, XXXX and XXXX. 
I've downloaded proof of the Validation request USPS Certified mail receipt that shows the date sent and date received. 
Note : I've downloaded both USPS Receipts each for account number XXXX and account number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: EOS Holdings, Inc.
State: NY
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 : {$170.00}, {$170.00} XXXX XXXX XXXX, : {$3000.00}, {$3000.00} XXXX XXXX : {$1000.00} EOS CAA : {$600.00} XXXX XXXX XXXX : {$650.00} The XXXX XXXX : {$830.00} XXXX XXXX XXXX  : {$1900.00} XXXX XXXX XXXX {$890.00} These are third party collection agencies that I do not owe anything to. I've never signed nor had any contract with these companies. These companies need to provide a signed contract between myself and them. These collections need to be removed immediately. I have contacted the debtors by mail and online to disputed these inaccuracies and have them deleted. The Tila law and the USC code by reporting inaccurate information on my credit report without contacting me first.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: Bridgecrest Acceptance Corporation
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Hi, I hope all is well with whomever handles my case. I paid off their car refinance loan in XX/XX/XXXX with Bridgecrest ( XXXX ) located at XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX. However, even though I called Bridgecreast several times in XXXX and XXXX for the remainder of the residual funds on my account post payoff, they never contacted me. Furthermore, I even tried to login and pull up my old account, but they appear to have deleted it. My account ended in the last XXXX number XXXX. Bridgecrest practices deceitful business practices towards their consumers. Therefore, I am requesting my refund amount from them. This is the reason I am them to your company. 

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 2020-06-13
Company: HCFS Healthcare Financial Services of TeamHealth
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:
HIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! THIS ACCOUNT IS NOT MINE! 
THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND THEY HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. 

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


A DELETION OF THIS FROM MY ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. I need this Account removed to be eligible to buy a house have a heart and remove it please.

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 2020-06-29
Company: Experian Information Solutions 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:
XXXXXXXX XXXXDispute XXXX XXXX XXXX XXXX XXXXDispute  XXXX  XXXXXXXX XXXXDispute DEPT OF ED/XXXXDispute XXXX XXXX XXXX XXXX XXXX XXXX XXXXDispute XXXX XXXXispute XXXX XXXX XXXXSDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXSDispute XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXX filed ftc violations on all above

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 2020-06-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Credit information is being reported as delinquent, when I paid it off years ago.

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 2020-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Credit information is being reported as delinquent, when I paid it off years ago.

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 2020-06-13
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Filed a dispute with XXXX in regards to account # XXXX. Convergent Outsourcing fraudulently verified this account as accurate on 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 2019-08-29
Company: ID Analytics, Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have attempted several times to place a security freeze on my SageStream report. 

I sent a signed letter on XX/XX/19 to : SageStream , LLC Consumer Office, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. In the letter I stated that I was requesting a security freeze. I included my full name, address, phone number, social security number, and date of birth. I also sent a copy of my driver 's licence and recent water bill. This request complied with the criteria outlined at https : //www.sagestreamllc.com/security-freeze/ After approximately 30 days, I began calling. I called on XX/XX/19, XX/XX/19 and XX/XX/19 but the company only has a voice message. I attempted the number listed on Sage Stream 's website : ( XXXX ) XXXX. 

A consumer can request a security freeze by 1 ) mailing in a compliant request, OR 2 )  calling the number listed on the site. I have attempted both and have been unsuccessful.

Company response to consumer: Closed with explanation