BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-30
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
4 months ago venmo closed my account after I got my taxes sent to my account ( {$6000.00} ). They were concerned about the deposit and wanted to have my personal information. I was waiting for my tax paper work to be sent to me and I had lost my license so I was waiting for a new one to get sent to me in the mail. I explained all this to them and that getting a new license in the mail takes a few a weeks and you unable to go into dmv to receive one. I kept in contact with them and reassured them I would send them everything they needed to please not close my account it takes a couple weeks to get my new i.d . i had sent them everything else like Birth certificate, social security, ect. The day I got my license in the mail I opened an email from them saying they closed the account and they gave me no understanding of when they would give me my funds. That day I sent them my i.d, a picture of me with i.d in hand, social, birth certificate, tax paperwork, mail. They ignored everything I sent them and stated " my funds would be held up to 180 days and if they " should be '' available in the future they would email me '' they had also stated that they will not speak about this matter no longer with such vague emails. I've contacted them so many times and they can not give me any explanation or a spew of hope that I will get money but just in a certain time frame. They pretty much ignore me or send automatic emails. This is my tax money most of it from the XXXX children I had. I'm going through a very rough time and really need my funds. I am so disgusted that a company could just hold your money and then say if it should be available to you. This is not a random deposit. It's my taxes from the IRS with my name! Please if you could help in anyway. I'm so devastated that I still can't get a straight answer from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX XXXX {$850.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: OH
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-30
Company: CREDIT ACCEPTANCE CORPORATION
State: WI
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX You are in direct violation The Fair Credit Reporting Act ( Credit Acceptance # XXXX ), has violated several of my rights. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Knowingly gave loan that would default.

Sec. 1692d - Harassment or abuse Using credit reporting agency to harass me and abuse Remove this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act

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 2023-07-24
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The collection agency In Question is XXXX. I called and was told that I didnt have an account with them nothing could be found I called back a second and third time to be for sure cause this creditor is not on my other XXXX credit reports it is only on experian after calling XXXX i I found that experian sold my information to a debtor whom Ive never had a contract with that debtor sold it to another debtor experian is involved with this process because I have complained numerous times and they keep putting items on my credit report that is not acceptable or accurate. The debtors are receiving money through income tax write offs and playing double jeopardy by selling consumers information to third partyvl debtors that I donot have a legal binding contract when I made the initial complaint about experian retaliating by blocking my info to a mortgage lender experian purposely input incorrect information listing my daughter as my spouse?????

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 2023-07-24
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Albert Corporation
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This complaint concerns Albert Bank. My account was " suspended '' for absolutely no reason. I have tired and tried to ask them why but my question has not been answered. I was instructed to send my balance to an external account which I did but around the same time ( XX/XX/XXXX to be exact ) my other check hit the account and was not posted or sent back. I was told if I sent them my paystub I would get the answers to my question but they only sent me another generic, robotic response despite being told that I am going to be evicted from my apartment because of this. Albert Bank has no customer service phone number and only response to messages when they feel like it and the answers come from a pool of artificial intelligence responses so this is extremely frustrating and I desperately need this matter to be resolved.

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 2021-03-30
Company: BAM Management US Holdings Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
There an issue with a chargeback on a purchase I made around XXXX of XXXX, their system was showing buys as " rejected '' even though the ACH transfer was not rejected. A few days later I came to realize Binance.US submitted about five transfers, I did request each transfer because it kept showing " rejected '', I do have screenshots of this. 

Anyhow, support was slow to respond and their system was unable to take a deposit for about {$950.00} for the chargeback. A couple months later the {$950.00} was paid back with the sale of about XXXX HBAR in virtual currency. 

During this time my account had trading disabled. Being disabled means I can not access my funds, they are being held hostage and I have no recourse because they rarely respond. The moment the {$950.00} was paid back is the moment my account should have been enabled again. 

Months and months of emailing them without a reply. I opened a new ticket on XX/XX/XXXX and did not get a reply until I started posting my experience on XXXX, they have since blocked me because they don't want people aware of what they are doing and how they hold funds hostage. 

On XX/XX/XXXX Binance.US support sent me email stating my account was enabled again on the XXXX and for me to verify this is the case. I checked it out only to learn the same issue remains. 

I also sent them an email because I tried to deposit {$10.00} just to test and I let them know, at this point they kept asking that I send them bank statements and a video even though the issue has nothing to do with making a deposit. I don't care about making deposits, I care about having control over the value of my account which had a value of over {$42000.00} on the XXXX. As of this moment the value dropped to about {$33000.00}. 

Even though they had no need for a video or bank statements I sent them anyhow, seven days ago and I am still locked out of my funds. They have not even replied to the emails that had the requested video and docs attached. Seems like they are stalling and from what I gather there are many they do this to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: WELLS FARGO & COMPANY
State: MS
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage with a new lender from Wells Fargo on XX/XX/2020 and a payment was sent to Wells Fargo on XX/XX/XXXX and XX/XX/XXXX to pay a mortgage that had been closed! My admin department within the XXXX did not stop the allotments in time and Wells Fargo subsequently got overpaid {$1200.00} times 2! When I discovered the money was not refunded as XXXX said it should have been due to a rejection requirement by Wells Fargo who should have never accepted the payment on a loan that was closed! I requested via Wells Fargo that the money be returned to me as it did not belong to them or XXXX! Wells Fargo remitted the payment to XXXX which never ( after 23 days ) received the payment ( s ). When I asked for my money to be returned to me they declined and stated it had to go back to XXXX and when I told them that since they received the funds instead of declining the transaction that there is no way for them to mail a check to XXXX to return the funds that it had to be EFT! They declined to agree, cancelled the original check dated XX/XX/XXXX and sent another one! I am on the fringe of losing my mind! I deploy in 3 weeks and I am having to use my credit card to buy food for my family so I can pay my mortgage! COVID 19 has already burdened my family and Wells Fargo is compounding the issue!

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 2017-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When viewing my credit report on XXXX/XXXX/XXXX, I found a negative account with a company called XXXX XXXX. The amount owed is {$2300.00} and was placed for collections on XXXX/XXXX/XXXX. I have never heard of or been contacted by this company notifying me of anything. They have incorrect information. I am requesting that this be removed from all of my credit reports.

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 2023-05-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 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 seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-31
Company: OneMain Finance Corporation
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: Account status incorrect

Complaint:
Account number : XXXX One main financial reached out to me to inform me that the account was Past due and must be brought back to current if not it was going to be closed. That was in XXXX i believe. I reached out to them that week. They said they had closed the account however they have not charged ot off yet and could have it reopened by setting up a new automatic payment agreement. I have been making ontime payments since in the amount of {$220.00}. On my credit report, my mortgage hoke lender notified me that one main financial charged off the account and reopened it with my new payments, however it's the same account. It was never charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: CCS Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2020 after reviewing my personal credit report ; an unauthorized tradeline from Credit Collection Service located at XXXX XXXX XXXX, XXXX, MA XXXX showed on my XXXX  credit file. I'm requesting signed verification of my agreement to do business with this creditor or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Siggi LLC
State: AP
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Im a military veteran and customer of Omni financial and Ive had credit card loans with them for a few years and Ive been charged a very high interest rate and am looking for it to be resolved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Atlanticus Services Corporation
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I applied for a line of credit with Fortiva through XXXX when a XXXX salesperson salesperson came to my home and completed the application for me. XXXX handled my payments originally, paying using a card I provided when I signed up. My card was stolen, and wgen i updated ymy card with vivint, they did not continue making payments to Fortiva on my behalf. I tried on at least 4 occasions to sign up for Fortiva 's online process, providing the last 4 numbers of my social, my last name, and my borthdate. On no occasions could I complete the registration or payment process online because it came back as account not found. However, the account is available when I call to make a payment, which I did in XX/XX/2023 to provide payment and a card for ongoing payments. However, I just received a notification that my account is past due despite authorizing monthly automatic payments in XX/XX/2023. 

I believe Fortiva is deliberately keeping consumers from accessing online payments in order to charge interest for missed payments. The offer of online payments is in all communications the company makes, both written and electronic, and it is deliberately misleading.

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 2021-04-07
Company: Atlanticus Services Corporation
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a inquiry notictification for on XX/XX/2021 for XXXX/Aspire. 
I did not place an inquiry or request an application. The application was placed fraudulently and I am requesting the application be canceled and inquiry removed from my XXXX credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: RentDebt Automated Collections, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The original account holder made no attempts to inform me of my account with them although they had my previous mailing address which I was still receiving mail at, along with a working phone number and email address for me. The following is information I verbally obtained from a RentDebt customer service associate on XXXX XX/XX/XXXX as they refuse to provide me with a hard copy or otherwise of their activity on my account. RentDebt received this account on XXXX XX/XX/XXXX with the following contact information : ( omitted ) address which I never lived at and so would not have forwarded mail from, a working phone number ( omitted ), and email address ( omitted ). After receiving this account, RentDebt made the following actions : Hard copy letter sent out XXXX XX/XX/XXXX to unknown address per RentDebt associate. Hard copy letter sent out XXXX XX/XX/XXXX to unknown address per RentDebt associate. Hard copy letter sent out XXXX XX/XX/XXXX to ( omitted address ) stating a settlement offer per RentDebt associate. Phone call on XXXX XX/XX/XXXX which I answered, informed them I had not had knowledge of this account, and paid immediately. On XXXX XX/XX/XXXX RentDebt reported XXXX balance to credit bureaus per RentDebt associate. Hard copy letter was created on XXXX XX/XX/XXXX showing a XXXX balance, but was never sent to me although they now have my updated mailing address per RentDebt associate. For the above reasons, this account should be removed from my credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Santander Consumer Financial misappropriated the final payment on my account wherein they applied the last payment of {$280.00} to " misc funds '' thus falsely claiming I owe the principal and interest balance on the account. Misc funds is defined by the lender as repossession fees not late fees as the agent attempted to explain. They failed to apply my credit of {$2.00} to the account balance of {$280.00} which would have been absolved by the payment of {$280.00}. Additionally, they threaten to report the account to the credit bureaus if I neglected by render the entire late fee balance on XX/XX/2020. I requested documentation of language confirming that this was mutually agreed upon by both parties ; however, the executive office representative stated no language was recorded in the contract.

Company response to consumer: Closed with explanation