BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-10
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Yes, I need a refund for XXXX and {$150.00}, and {$300.00} for XXXX because the seller stopped giving buyers the services to her XXXX XXXX XXXX XXXX. No one can get in touch with her, and they can't open any disputes with Paypal to get their money back. They can't contact their bank, and if they didn't use their bank with Paypal to send the money to them and I have contacted my bank. They told me I couldn't fill a dispute because I passed the deadline date, and XXXX  they couldn't help me, so I want a refund or a Paypal balance or Paypal XXXX credit to apply to my account ending in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-15
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is a Supplement to existing Claim XXXX currently pending before CFPB. Upon my filing a complaint, Citibank now has referred a failure to pay to the credit reporting agencies in retaliation for my filing a complaint. They call my office and cell phone on a daily basis demanding payment that is not due.

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 monetary relief
Consumer complaint received 2020-09-16
Company: Braviant Holdings, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I have contacted this company and sent letters advising them that I was opting out. I called the phone number, went to the website and mailed several letters to XXXX as instructed. I have already filled out a Permanent Opt-Out Form but the company continue to send me mail. Sometimes I get letters from Balance Credit at least 3 times a week. It's annoying and very harassing. I really want them to stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
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: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus was dated XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against them if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 


XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I've Sent Letters Made Phones calls to Transunion XXXX and XXXX about some troubling items I found in my credit report I've begged for theses items to be removed immediately from my credit report. because it is affecting my creditworthiness and I feel like this is very unlawful and unconstitutional. listed below are the negative items affecting me. I've also included the letters i've sent to Transunion XXXX XXXX that i know they received along with the ftc report their requested my proof of id and bill address are in the letters why are theses items being reported without my consent and knowledge. the companies job is to report fair and accurate imformation to my report and theses items are not. 

Account name : 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 non-monetary relief
Consumer complaint received 2023-12-08
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2023 I booked a vehicle rental through XXXX paying {$1000.00}. On XX/XX/ I went in to get the vehicle and had a deposit snag at XXXX because my license had the incorrect number on it from XXXXXXXX XXXX XXXX ( I submitted a picture of my ID to XXXXXXXX XXXX XXXX  ). A XXXX associate had to put the correct License number in the database at the time I was checking out. XXXX had previous information that was still not updated or correct, so I was on their " XXXXXXXX XXXX XXXXXXXX XXXX '' list. This now was put in the XXXX system during my checkout. I was told to call XXXX up at the desk to sort out the situation. I spent a good amount of time that day on the phone with XXXX and reaching out to XXXX XXXX. When the refund was denied I told my Bank ( Bank of the West ) what happened. Then XXXX XXXX from Bank of the West reached out to me and asked about my situation. After I sent him the information an Adjustment Credit of {$1000.00} was added on about the XXXX of XXXX XXXX  The Investigation was started on the XXXX of XXXX. On the 96 day after, XX/XX/ BMO Did a provisional credit labeled as XXXX Liable Debit Transaction to my account of - {$1000.00}.

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 2023-05-21
Company: Maximus Education, LLC dba Aidvantage
State: MO
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX Date of Birth : XX/XX/1986 SS # : XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act DEPT OF EDXXXXAIDVANTAGE XXXX, has violated several of my rights by reporting this same account 14 separate times with different original balances and 11 late fees for each reporting. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit open-end consumer credit plan as late for any purpose. 

Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I AM A NATURAL PERSON. This dispute is not being made by a third party I am physically submitting this dispute as a real person. 

I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

ACCT Name : XXXX. XXXX XXXX XXXX XXXX ACCT # XXXX ACCT Name : XXXX ACCT # XXXX ACCT Name : XXXX  ACCT # XXXX ACCT Name : XXXX ACCT # XXXX ACCT Name : XXXX ACCT XXXX XXXX ACCT Name : XXXX XXXX  ACCT # XXXX ACCT Name : XXXX XXXX XXXX XXXX ACCT XXXX XXXX ACCT Name : XXXX  ACCT # XXXX XXXX XXXX XXXX ACCT Name : XXXX ACCT XXXX ACCT Name : CXXXX XXXX XXXX XXXX ACCT # XXXX ACCT Name : XXXX XXXX XXXX XXXX  ACCT # XXXX ACCT Name : XXXX XXXX ACCT # XXXX XXXX XXXX XXXX 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 2022-11-10
Company: OPTUM BANK, INC.
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am trying to close my Optum XXXX account and transfer funds to my XXXX HSA. In XX/XX/XXXX, I submitted a " transfer of assets '' form to Optum to close the account and transfer funds to my XXXX XXXX. In early XXXX, I called to check on the status and was told that I needed to liquidate the investments in the Optum account. On XX/XX/XXXX, I liquidated the investments. I called Optum in XXXX XXXX and was told that the transfer was in progress. The money disappeared from the Optum account and I was told that a check had been sent to XXXX and should take XXXX days to reach XXXX. XXXX never received the check and Optum told me I needed to wait XXXX weeks. After over XXXX weeks, money was still missing. On XX/XX/XXXX, Optum cancelled the original transfer ( they said they canceled the check ) and the money was deposited back into my Optum XXXX cash account with the expectation that they would attempt again to transfer the money to XXXX. On XX/XX/XXXX, Optum reinvested the money without my permission. I was not notified and did not know about the reinvestment. On XX/XX/XXXX, I had a conference call with Optum and XXXX so that XXXX could provide the information needed to wire the funds. On XX/XX/XXXX, after calling Optum, I was told they could not transfer because the money was invested. I liquidated the investment again after losing {$2400.00} from the amount that was supposed to be transferred to XXXX in XXXX. I called Optum again XX/XX/XXXX and found that they still have not initiated the transfer. They have not credited the {$2400.00}. They keep giving me case numbers but when I ask about previous case numbers, cases have been closed with no resolution. In XX/XX/XXXX, I requested the transfer of {$61000.00}, but to date they are still holding my money hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this letter finds you well. I am writing to bring to your attention a matter concerning my credit account with your institution. After reviewing my recent credit report, I noticed that there have been recorded instances of late payments on my account. XXXX XXXX XXXXXXXX. XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or XXXXXXXX XXXX XXXXXXXX. customer service representative. I kindly request that you investigate this matter and, if appropriate, take the necessary steps to have the late payment entries removed from my credit report. Your prompt attention to this request is greatly appreciated. Thank you for your understanding and cooperation in resolving this matter. I look forward to your positive response and to continuing a positive relationship with XXXXXXXX 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 2023-12-08
Company: Nelnet, Inc.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I received the discharge of a significant portion of my student loans due to close school discharge. I was attending the university XXXX XXXX XXXX XXXX. They automatically applied the discharge amount to other loans I had versus sending me a full reimbursement check. Instead of over XXXX being received I only was supposed to receive now only {$1400.00} which they sent to the wrong address after I updated my address with them.. I requested for the check to be re-issued it has not to this date. It has been over six months since I asked for the check to be re-issued but ultimately, I still have it issued with them automatically applying that discharge amount to other loans without my consent. I feel I shouldve received the full discharge amount back and had my choice about how much was going to be applied towards other loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In XXXX I was forced to file bankruptcy on a company that i own, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX. The XXXX filed for a Sub XXXX XXXX bankruptcy. Then for some reason, my attorney filed for me personally as well. He did this by mistake because he did not have to do this. The trustee, dismissed this and advised me that i only needed to file for the business, not personal. So i should not have a personal bankruptcy on my credit reports through the 3 bureaus. Only XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, should have the bankruptcy filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023 I called ( XXXX ) XXXX ( the automated system verified my account by hanging up and calling me back ) to inquire about a refund from XXXX in the Amount of {$48.00} for a product that I didnt receive. There was only {$6.00} deposited and I was inquiring why while I was put on a brief hold there was roughly a {$150.00} that was moved out of my account and the balance showed {$0.00} and the called dropped. 
I called back ( XXXX ) XXXX the automated system verified my account by hanging up and calling me back. I was explain that I was on the phone with a representative and she was checking on a partial refund from luminess as I was explaining that the {$150.00} that was moved to my checking account which made it a total of {$340.00} the total went to {$0.00} so now my checking and and credit builder count has been depleted and the call dropped. 
I called ( XXXX ) for the XXXX time I explained to the representative that I called to inquire about a partial refund today I was given as I was on the phone with the representative my money was moved from my credit builder account account into my checking account then transferred to someone That I dont know who it is it was stolen while I was on the phone with your customer service. 
I have been given the run around for a week and a half with you all I am very dissatisfied as a customer I have been given a different story every since the day I have called to file a report. My money was stolen Im just asking out for justice. As of XXXX XX/XX/2023 XXXX XXXX I have filed my 15 Rebuttal and still have yet to receive any documentation on how they determined a denial! 
Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am writing to seek your assistance and intervention regarding an ongoing issue with a collections agency, National Credit System which has been attempting to collect a debt from me that has not been adequately verified.

I first became aware of this debt when I reviewed my Credit Report. However, I have not received a letter, call or notification from National Credit System.it I have not received any documentation that provides any detailed information or documentation to substantiate the validity of the debt.

I promptly reached out to National Credit System Via phone in XXXX, 2023. They couldnt not provide any detailed proof of debt other than Original Creditor, Account number and date. I then reached them via email with no reply back. I proceed to reach the collection agency by sending a request for debt validation via certified mail sent on XX/XX/2023. In my letter, I requested that they provide me with the necessary documentation, such as valid proof of the alleged debt. The original creditor 's contract, and proof of their authority to collect the debt. 

I have called, sent emails and a certified letter with proof that I do not owe this debt. I believe this debt to be a fraud from original creditor. 

Despite my request, I have not received any documentation or verification from National Credit System to date. It has been 6 months since I initially contacted them, and I remain concerned about the validity of this debt. 

Consumers have the right to receive proper verification and documentation when dealing with collections agencies. This not only protects consumers from potential unjust collections but also ensures fair and ethical practices within the industry. 

I kindly request your assistance in this matter. 

I have requested proof of damages being reported and the reason for this collections but no proof has been provided by the collections agency or the original creditor ; other than the false accusations of landlord to collect. I have provided proof to the collections agency of the state of the premises when we left. Annual inspections were done and we always passed them. For the Final inspection the representative XXXX XXXX did not show up. She then claimed our deposit was being returned and it would reach us via mail. Months later she then sends a collections letter with false accusations. You may look into XXXX XXXX she seems to be doing this to many tenants.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The status is incorrect for the following accounts, public record and inquiries listed in my report are unauthorized and fraudulent. 
XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the following accounts : XXXX. ) XXXX XXXX XXXXAccount Number:XXXX ; XXXX. ) XXXXXXXX XXXX/Account Number : 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