BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-18
Company: CCF Intermediate Holdings LLC
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I got a loan from Speedy Cash in Colorado, due to losing my job behind XXXX my mother 's death my father 's death and my brother 's death I had problems paying the loan back I tried to make payment arrangements which were denied on XX/XX/XXXX a lady showed up at my door and served me court papers to appear on XX/XX/XXXX at XXXX at XXXX demanding XXXX plus XXXX court cost. Asking a total of XXXX from the court. I sent the attorney a email asking to set up payment arrangements with what I can afford with dates ect. They stated I owe XXXX and if I could not pay in full prior to XX/XX/XXXX that then they would set up pay arrangements after I send in paystubs name of employer, pay periods and dates paid .Once I send that, they will send me a stipulation. And I have 24 hours to respond otherwise it voids.I called courts and in fact there is not a civil judgement filed against me so no court date ect. Plus denied my pay arrangement served me false court papers on Sunday XX/XX/XXXX. I also called loan company trying to make arrangements to pay and was told to contact the attorney It's also on my credit report as open account. I have tried to make it right with failed attempts. Now I'm being lied to and scared being served false summons to appear at XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: TX
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:
I always pay on time and never missed a payment. I'm begging you please update 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 2023-01-05
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX XXXX 1 ) Reporting the same account twice on my report 2 ) Has mixed up several accounts 3 ) Reporting different status to the reporting agencies. XXXX has paid, XXXX has included in XXXX. 
4 ) Reporting past the seven year reporting limitations- Account was closed negative in XXXX of 2016. 

The XXXX XXXX XXXX rep, told me if I paid off the balance they would remove, but they did not. They updated the date for the collection and made the credit report look like this was a recent issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: MI
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: Was not notified of investigation status or results

Complaint:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by XXXX. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts and inquiries that are still reporting on my account : XXXX XXXX XXXXXXXX XXXX XXXX : {$6900.00} XXXX XXXX Balance : {$1800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: AAA Collections
State: SD
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
They put a levy on my checking account and took my whole SSXXXXI check, completely wiped me out for the month. I had to go as far as borrowing the rent money from my step son. would really like to know if this is legal or is there something i can do? I cant even use my checking in fear that all the money will disapear,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: IL
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:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of 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 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I have been in constant communication with XXXX about the continuous defamation of character. There have been multiple disputes, a cease and desist and and notice to cure sent to this organization. The company has fictitiously reported an alleged debt in the amount of {$380.00} to the XXXX XXXX  and the credit reporting agencies on my behalf. As a consumer my privacy and rights were willfully violated. There was an admission of breaching my privacy by XXXX XXXX The first erroneous statement is that, he stated I had an alleged translation in the amount of XXXX. He claimed it caused my account to be overdrawn XXXX. Although the amount reported is less. This is confirmation this is an error and attempt to coerce me into making an unnecessary payment. This error has caused me to be denied my basic rights. This fictious charge off is coming up on every occasion. I have been denied a safe and sufficient place over my sons head. This nightmare is hunting me. It has caused my mental health to decline.

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 2022-10-18
Company: Paypal Holdings, Inc
State: LA
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:
PayPal is still allowing Identity Thief XXXX XXXX XXXX to use my identity. Her alias is XXXX XXXX. The company allows her to use my identity in order to complete PayPal transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: Financial Data Systems
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have paperwork that i have sent to the company an also XXXX. 
Numberless of times I ask for validation of Debt The creditor has refuse to send me a copy of the original contract with my signature bearing Is that do not belong to me Ive spoken with Credit or today via phone on XX/XX/2019 The president of the company stated he doesnt have to provide me with a contract that is tying me to this dead. He told me he sent a letter out to Meme and I never received a letter but he said he is not required to spend money to send anything to me certified mail to be sure that I got it. Ive asked XXXX  To validate the debt Not through email but certify mail because through email or fax any could fraudulently post things on my credit report. They have also fell me to please help. I also asked the company not to call my phone again after I spoken with the president of the company he said that he can call me when he wants when is concerning this Deb and he called me back I have proof They are telling me that the debt is accurate but not telling me how the devil is accurate theyre not giving me any information and has failed to respond to my dispute request providing me with the information I requested of them

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 2023-06-19
Company: CCS Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A collection balance showed up on my credit report from CCS XXXX. The charge impacted my credit score by XXXX points. I called them on XX/XX/XXXX and they had a hard time finding my account and were showing different amounts that i supposedly owed. Once the account was found that was only based on my name, they advised that they represented XXXX. I explained to them that i was not aware of a bill for XXXX and my account with XXXX was a XXXX balance. I had never done business with this company, they claimed that they had sent me letters that had been returned from multiple address but the the last one they sent on XXXX had not been returned. I explained that I was in the middle of a dispute with XXXX and had filed a dispute form with the DOI due to several missteps XXXX made when I cancelled my policy. After filling the dispute I paid the balance in full in the interim. I never had any contact with Credit Collection Services and they refused my request to have it removed even though they were able to verify that I did not have a balance. I never received a phone call, letter, and all my payments were made to XXXX. I have attached two statements from XXXX with the first being a statement that showed I owed XXXX on XX/XX/XXXX and then a rewrite that I was not made aware of for an increase of XXXX. XXXX over the next 5 months had originally sent me a bill for XXXX, and after sending documents that I had a policy in force the dropped it down to XXXX and then i had to request multiple times again to have them review again and it went to XXXX which was still incorrect. They rewrote my policy without my request and for that I filed a grievance with the Arizona Department of Insurance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Acct # XXXX XXXX Department Store Credit Card. I have had my XXXX card for years never missed a payment. Always been a great customer. XXXX recently closed my account. I was making a payment from a bank account I rarely use. The bank thought it was fraudulent activity so they refused to pay XXXX. Due to no fault of my own. And because of this XXXX closed my account. I did call and try to resolve this issue. I also made a payment as soon as I discovered what happened I made a over payment for over the amount owed. They still closed my account. I do not want any negative impact on my credit score for a closed account. I did what I was supposed to do. Please take care of this. And if I have to get a special note on my credit report that states XXXX was at fault. Then I am in agreement with that.

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 2023-01-05
Company: FORD MOTOR CREDIT CO.
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: Was not notified of investigation status or results

Complaint:
I have sent letters in to dispute item from my report, but i haven't received any update from the companies. The letters were sent out late XX/XX/2022. I wish we can speed up this process because I'm being affected by what's on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE 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:
Transunion and XXXX XXXXXXXX has intentionally, knowingly and recklessly harmed me financially by repeatedly failing to properly and lawfully update my personal consumer report according to specific laws written by the Consumer Protection Financial Bureau. The law is clear and direct and should be understood by all parties involved in furnishing, publishing, and updating my personal consumer report. This is one of multiple disputes sent to XXXX, XXXX, TransUnion, and several unethical and unlicensed data furnishing companies urging all parties to adhere to the law and adjust my personal report correctly. But due to a gross lack of due diligence on behalf of XXXX, XXXX, TransUnion and their related subsidiary entities - unlicensed unethical, and misleading random data furnishes has had an unmetered free run at attacking and financially hurting me. I have received multiple responses from XXXX, XXXX and TransUnion stating that they review and/or investigate. Solely and firmly leaning on the LAW, and based on my results anyone with a trained eye can tell that the three bureaus did absolutely nothing pertaining to investigation or reinvestigation on my behalf, and have failed me as a consumer. If the law is broken all willing participating parties should be held accountable for any fraudulent acts, not excluding Credit Slander and Defamation of Credit. Please refer to Congressional law 15 USC 6802 ( a ) ( b ) ( c ) ( d )

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 2022-10-18
Company: JPMORGAN CHASE & CO.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Unexpected or other fees

Complaint:
I signed my federal income tax check over to my boyfriend in the amount of {$1700.00} from IRS XXXX XXXX XXXX over XXXX months ago ... ..I have been waiting, I was called by chase two times to verify it was my check. My boyfriend, the account holder went to the branch several times and calls daily. It's ALWAYS a different story ... .they took fees for what my boyfriend owed but still have yet to release the check. I have 4 kids and have XXXX money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
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:
There is an account reporting on my credit report that is incorrect. I didn't authorize this account and it's violating my rights according to FDCPA. Any bad debt furnished on your credit report is running your reputation and it's defamation of character. 

PLEASE REMOVE THIS INACCURATE ACCOUNT FROM MY CREDIT REPORT AND PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT. 

XXXX XXXX XXXX # XXXX {$15000.00} Payment {$260.00} THIS ACCOUNT IS CAUSING ME ALOT OF EMOTIONAL DISTRESS FOR ME AND MY FAMILY AS WE ARE NOT ABLE TO CLOSE ON OUR HOUSE BECAUSE OF THIS ACCOUNT. I DID NOT AUTHORIZE THIS ACCOUNT. I'M REQUESTING THIS ACCOUNT TO BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Due to the following XXXX [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.

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 2021-04-15
Company: Activehours
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
This company debit my account before they day they should have because of a mistake and they drove my account negative and I got charged {$100.00} dollars in over draft fees, I have tired repeatedly to get help but with no luck I keep getting the run around always telling me we we will give you refund but we need to wait until it post to your account once it did post it was not pending I reach back out to them, then they tell me now I need to wait until my bank reverts the charges before they can give me a refund. They only have a chat customer serves and I fell it is just a AI responding because all the answers are in the same format.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: BMW Financial Services NA, LLC
State: GA
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. Its been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or misleading advertising or marketing

Complaint:
I am deeply frustrated by recent account issues. Despite opting into overdraft protection, I faced delays with a mobile deposit, resulting in a {$20.00} fee. When I called, there was no mention of a check processing wait. In an effort to resolve the matter, my brother, with my explicit permission, deposited the check on my behalf. Shockingly, this led to my account being flagged for fraud. Now, I'm told I must wait five days or visit a branch. As the account owner, this is unacceptable. I am reaching out to a consumer rights lawyer for assistance in resolving this unjust situation promptly. The bank 's actions are causing undue stress and inconvenience. I urgently need this matter addressed and my account accessible below I have a picture attached of what I had to go through in order to review my own account and Im still not able to get into my own account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-05
Company: EQUIFAX, 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 '' ... Please verify and remove the inaccurate accounts below. 
I have already disputed these items on XX/XX/2022, but the bureaus did not remove them, nor prove validation. 
Under Sec. XXXX FCRA " I have a right to privacy '' XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: GA
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 Fair Credit Report Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights and clearly in violation of 15 USC 1681 . Both accounts are reporting illegal late payments and inaccurate days of these late payments. 

15 USC 1666b says .... A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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