BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-03
Company: WLCC
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
On Feburary XXXX, XXXX, I sent a Revocation of Authority to Initiate Electronic Funds Transactions to Explore Credit and can confirm that they received the document ( attached to this complaint ). On XX/XX/XXXX. XXXX, Explore Credit debited {$150.00}. I never authorized this transaction or rescinded the Revocation of Authority to Initiate Electronic Funds Transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: World Acceptance Corporation
State: GA
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: Problem with personal statement of dispute

Complaint:
I'm an Federally Protected CONSUMER! YALL ARE IN VIOLATOIN OF MY RIGHTS You are XXXX XXXX on NOTICE Pending Further Counsel! I've Sent several Validation letters an Verification letters. World Acceptance Corporation are in violation of Federal Laws as the Follows Per FDCPA and Privacy Violations also Fair and Accurate reporting. I DO NOT OWE THE ALLEGED DEBT!!!! The Debt Collection is also outside of the Statute for Collecting on the Debt and has been Charged off " XX/XX/2018 '' Acct # XXXX and they keep Reupdating the balance which is Fraudulent and very Deceptive See Attachments for Dates. As far as I know I didn't give them permission to communicate with Third Parties under 15 USC 1692 ( a ) ( b ) ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

I am really offended that they want Settlement arrangement 's after Stating they Written off the debt that unfair Provide me Original Copies of Agreement 's. under 15 U.S. Code 1692e ( 10 ) - False or misleading representations ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. what that means is Saying I owe Something I don't per HJR- 192 this is an Obligation of the United States ! no one has been able to pay a Debt. I'm demanding the Removal of these duplicate Accounts and any information there of, I DONT OWE WORLD ACCEPTANCE NOR DO I OWE ANY DEBT DELETE THE FOLLOWING ACCOUNTS SEE ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Under the provisions of FCRA 611 ( a ) ( 1 ), the bureaus are required to have conducted a reinvestigation of my dispute which was filed XXXX XXXX, and to have concluded that reinvestigation within 30 days of your date of receipt of my dispute. To date, I have received no response from all 3 bureaus.

Under the provisions of FCRA 611 ( a ) ( 6 ) ( A ), the bureaus are required to have provided me written notice of the results of the reinvestigation within 5 business days of the completion of your reinvestigation. To date, I have received no notice of results of the reinvestigation. Since the statutory periods have expired, I consider all 3 bureaus to be in violation of the cited sections of the FCRA.

Please be advised there are not exceptions listed, when faced with extreme weather or health pandemics. If the bureaus are given exceptions on breaking the law, they need to go to congress and have the law changed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: OneMain Finance Corporation
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2023 I made a ( 5x ) amount of my minimum payment amount to the XXXX XXXX  XXXX from One Main Financial. My payment was rejected for reasons unknown. On XX/XX/XXXX or XX/XX/XXXX I reviewed my XXXX XXXX XXXX and noticed a failed payment, made necessary corrections to rectify this issue with a successful payment of the same amount. This second payment was successful. 

The following into the work week of XX/XX/2023 I noticed my XXXX card was locked due to " suspicious or fraudulent activity '' because the payment was reversed. I called the company and requested what has to be done to correct this issue ; the representative said send in a current bank account statement, current drivers license, or current ID card with social security card, to verify my identity which was all action needed to remove the block. Upon sending my drivers license and social security card, with my bank account number used tk make the payment, my account is still blocked unless I release bank account statements as well. Per policy the block should be lifted and removed in accordance with actions being fulfilled that were needed to do so. The credit card company does not need to see my personal bank account statements. As long as payment was successful and are continued as such, personal account statements should not be required, as per company policy to remove such blockages. 

I've attached the promise to pay, the agreement on amount to pay, the non charge of returned payment fee meaning a penalty was not assessed for returned payment thus a returned payment blockage wasn't necessary if the company deemed the fee unnecessary. If no fees were asked for returned or denied payments, why is there a blockage on my account and my credit card, denying me access to the usage of my account unless I give permission for the credit card company to view my personal banking statements even after successful payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/XXXX - Submitted credit application with XXXX having forgotten about freeze on all three credit bureaus - Temporarily lifted freeze on XXXX and XXXX XXXX XX/XX/XXXX - XX/XX/XXXX - Forgot password on Equifax on single try - called Equifax to temporarly lift freeze XX/XX/XXXX - XX/XX/XXXX - Confirmation number of this temporary freeze lift was XXXX - XXXX pulls Equifax credit report and issues loan pre-approval - First indication that American XXXX XXXX XXXX ( XXXX ) could not receive Equifax credit report XX/XX/XXXX - No activity XX/XX/XXXX - No activity XX/XX/XXXX - No activity XX/XX/XXXX - Received call from XXXX XXXX XXXX XXXX that Equifax credit report could not be obtained by XXXX. 
- Called Equifax to confirm temporary lift of freeze, initial agent identified freeze was lifted and mentioned a birthday issue she could not discuss - forwarded to fraud prevention who could not see initial temporary freeze lift XX/XX/XXXX - XX/XX/XXXX, conducted second temporary freeze lift online through myEquifax for XX/XX/XXXX - XX/XX/XXXX, agent was able to see the freeze and stated it would take an hour before it was able to be seen by creditors ; conducted credit report using my Equifax which came up completely blank, informed agent who was goint to put me in touch with Equifax XXXX prior to hanging up on me. 
- Called Equifax to continue with temporary lift of freeze, confirmed with agent that freeze was lifted, and received first notification of requirement to submit documentation of drivers license and social security card ; documentation and cover letter was sent via fax by XXXX EST. 

XX/XX/XXXX - Received call from XXXX XXXX XXXX XXXX that Equifax credit report could not be obtained by XXXX. 
- Called Equifax to discuss temporary lift of freeze and receipt of documentation ; agent confirmed problem with birthdate ; requested to speak with a supervisor and agent hung up on me after putting me on hold. 
- Called Equifax to discuss documentation and need for credit report for XXXX ; agent identified they would take XXXX - XXXX business days to process paperwork ; I questioned where this birth date issue was coming from and was told about fraudulent activity for the first time ; I asked why there was no contact by mail, phone, e-mail, text, etc with this issue until I am in the middle of a finance transaction from XX/XX/XXXX with no answer, asked to speak with a supervisor and was told it would not make a difference ; explained that I would discuss a complaint with the XXXX XXXX XXXX XXXX ( CFPB ) ; I was on hold over XXXX hours for a supervisor. 
- Called Equifax to speak with a supervisor and told twice there is no supervisor available.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Paypal Holdings, Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
This is through pay pal. Everytime I try to click on it under dispute invoice it says error. Pay pal can't see it on there end. XXXX has no information to contact to dispute. 

I never authorized this nor do I know who this person is or what this invoice is for. This is fraud. 
Please advise on next step.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-31
Company: JPMORGAN CHASE & CO.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have taken notes of dates and names and everyone who I spoke to etc since XXXX trying to settle this credit card account with Chase bank. In XXXX of XXXX I agreed upon a settlement amount of XXXX  and paid XXXX XX/XX/XXXX. I called to get the new balance on XX/XX/XXXX and was told the remaining balance due was XXXX}. This prompted chase bank to agree to a in flight settlement of XXXX due by XX/XX/XXXX. I then made a XXXX payment on XX/XX/XXXX and the new balance due was XXXX which was then paid in full XX/XX/XXXX. I have called several times since then begging for a paid in full letter and been told by several people it was accepted as payment in full and never got a paid in full letter. Today on XX/XX/XXXX I received a letter saying the settlement was cancelled due to missed or late payments and they will send to a debt collection agency. I am beyond angry and frustrated this continues to report on my credit as unpaid when I am more than happy to provide all receipts documenting everything was paid in full months ago. I want a paid in full letter and this closed once and for all. This is unfair treatment and causing so much more stress and unhappiness then it should. I even have a car loan with chase and pay them thousands each year it should not be that hard to process and in flight settlement and close it and give me a paid in full letter as promised on several recorded calls!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28
Company: ALLY FINANCIAL INC.
State: PA
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:
To Whom It May Concern : Ally Financial and XXXX XXXX XXXX has violated my right to privacy, by reporting inaccurate information on my consumer report.I have reached out to these companies via : U.S . Postal Services pertaining to these alleged accounts. 

According to 15 USC 1681 Section 602 A. States I have the right to privacy.

According to 15 USC 1681 Section 604 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to 15 USC 1692 j ( a ). It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participainting in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

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 2023-07-04
Company: OneMain Finance Corporation
State: MO
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:
The negative items in my file have been updated due to the CFPB breach and this is a violation of code 1681 I. Please remove the following items. XXXX  XXXX late pay, One Main Financial account that says its in collections. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: ARVEST BANK GROUP, INC.
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received a ( phishing? ) text from XXXX with : ( ARVEST ) We are having problems with your current security measures. Visit https : //arvestbkx.dyndns.org/ to verify. Four hours later I receive another text from XXXX with : Phone number ending XXXX has been added to your online account. If this was not you visit XXXX XXXX XXXXXXXX NOW. 

I have not clicked the links in either text because I do not have an ARVEST account. I never even heard of the company.

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 2022-04-20
Company: Experian Information Solutions Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have NO CONTRACT for goods and services with this company. I have not supplied proof under the doctoring of the estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. This is a violation of the FCRA according to 15 U.S.C. 16921692P

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 2022-12-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a notice that I do not have insurance on my home and threatened to have insurance bought for me. I have insurance and provided proof of insurance at the time of switching companies. Now I am responding to your letter a second time and nobody in the insurance department will answer the phone. After 25 minutes on hold you disconnect me. If you are unable to service my loan sell the servicing rights. Most incompent bank I've ever dealt with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20
Company: Genesis FS Card Services, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted XXXX regarding fraudulent inquiries on my report. I sent a certified letter requesting removal of these items. XXXX has confirmed receipt but told me I need to file a police report and refused to assist with the removal of the inquiries. My letter to them was sent to them 6 or more months ago and I would like this addressed immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: EQUIFAX, 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:
Equifax ; XXXX and XXXX are failing to review and/or research any of my dispute letters. I have not received any communication from Equifax ; XXXX or XXXX regarding the status of my dispute letters. It is very disappointing that the bureaus are not taking the time to actually research issues outlined in my dispute letters and as a result of this lack of due diligence, negative items from the bureaus still continue to appear on my credit report. Pursuant to the F.C.R.A. ( 1 ) You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. ( 2 ) Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. I respectfully request the following items be reviewed by Equifax and XXXX -XXXX partial account numbers XXXXXXXX ; XXXX ; XXXX ; XXXX and XXXX. Also, I respectfully request the following items be reviewed by XXXX and XXXX - XXXX XXXX partial account number XXXX and XXXX XXXX partial account number XXXX. ( Please see attached pages from my credit report. )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX CA billed me for {$7800.00} dollars was send to collections. On XX/XX/XXXX I was incarcerated until XX/XX/XXXX I reached out to the company and they said because my roommate XXXX XXXX XXXX broke the lease agreement early that we our both liable for payments until they rented the unit again since the apartment lease agreement was in both of our names. they never notified me of the payments and just sent it to collections, plus I had a security deposit of {$1500.00} so I don't even get how I own them anything at all and now its in collections and the balance has risen {$10000.00} I now can not rent a apartment or get a car because of this mark on my credit report and the company will not help me with this unfair situation. I disputed this claim via certified letter on XX/XX/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 2022-12-28
Company: Lac Courte Oreilles Financial Services II
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:
As we have always done, we asked for the full XXXX to be taken out on the XXXX XXXX XXXX XXXX XXXX have had XXXX XXXX and did not know I was put in a system to loose lots of money to that company. We have made it plain we do not see the terms they changed us to. For ever paying this bill.. we have already paid XXXX for nothing they say. XXXX!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I pulled a copy of my credit report on XX/XX/XXXX. Upon Review of my report, I saw that Transunion is reporting a collection account listed as XXXX XXXX XXXX, account # XXXX, in the amount of {$220.00} that I do not owe. I sent a letter to Transunion on XX/XX/XXXX stating this this is being reported in error and asked for validation of this account. I received a copy of my updated report and it stated that the account was verified and reported accurately. I sent another letter to them, once again disputing this account on XX/XX/XXXX asking for this account to be validated and to send me written proof, a signed document, contract or the name, number date of who they spoke to and I received the same response, a letter stating that the account was verified and no proof of anything. I sent another letter XX/XX/XXXX and I received the same response. No proof, just a letter that stated as verified accurate. 

Despite three written requests, the unverified item listed above still remains on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their investigations, they stated in writing that theyverified that these items are being reported correctly? I have the legal right under the FCRA to know who verified these accounts? They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.

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