BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-22
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hi my name is XXXX XXXX I am the owner of my Venmo acct, with routing XXXX ; an account XXXX. My account was frozen for XXXX reason an no explanation given. I tried calling, emailing, ect .... Still no REASON as to why my funds are frozen. I been a member over a year with averified account, an then this happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: ENOVA INTERNATIONAL, INC.
State: FL
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:
Under the FCRA I'm entitled to a description of the nature and the purpose of these inquiries. Please provide me with the necessary information regarding inquiries within 30 days as stipulated by the FCRA. If you can not provide a legitimate reason for these inquiries, I request that they be removed from my credit report immediately. Failure to comply with this request will result in my pursuit of legal action to protect my rights under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Google Compare Credit Cards Inc.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I purchased a film through Google TV. It did not load into my library and we could not watch it. I called Google support and spoke with a gentleman who advised me to purchase the full again through XXXX and he would refund me through Google TV. I did as I was advised and I never received the refund for the original purchase. I've had multiple contacts in the last month trying to resolve the issue and today I was notified that they will not refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: Kriya Capital, LLC
State: NC
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:
My identity was stolen and they open a account that I was unacknowledged of. I have contacted the fraud department someone else name and address pop up under my social and phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I'm a XXXX veteran and I'm the only person who get money sent to my account but my wife name is on the account with me. I get va and social security XXXX and they froze my account and took XXXX dollars from my XXXX XXXX moneybto pay for a old debt that belonged to my wife in a previous marriage and caused me to miss my mortgage payment. So now im out money and behind on my mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my 3rd complaint for TransUnion. 
I have asked them to verify the method of verification for the bankruptcy listed on my report to no avail. I have being dealing with this same issue since XX/XX/2021. I keep receiving generic letters and/or they stating that it is verified as accurate. This was not a dispute but in fact a method of verification which under FCRA 611 ( a ) ( 7 ) Im entitled to. It has been way over 15 days from the initial requests and all TransUnion is doing is treating it as a dispute with no validity to their claims. Plus I also have written them letters to correct my personal information which hasnt happened either. My name is not XXXX XXXX XXXX XXXX they refuse to correct their error on my name as well.

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 2023-01-03
Company: EQUIFAX, 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 USC 1681.

1. The following account is not mine XXXX XXXX XXXX Account Number : XXXX******************* Please remove it from my credit report.

2. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. The following account is not mine Account Number : XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report, has violated my rights. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/2023 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT NEED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: SYNCHRONY FINANCIAL
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have a card with Care Credit. I have been trying to get 2 remaining balances zeroed out for a year. I made a payment & a few days later I called & spoke with an agent. The agent assured me the balance would fall off my account in 1-2 billing cycles-it hasnt. Each time I call, an agent tells me the 2 balances I have are off my account, but they cant be because theyre still there when I login in to the app to check. I have provided a screenshot of the two balances that I am referring to. The balances have since gone up since the photo was taken. I know these balances are still there because Im still getting charged interest. I am being lied to each time I call. I think theyre lying to me so I keep getting charged interest.

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 2023-11-28
Company: Experian Information Solutions Inc.
State: MI
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:
I am writing to file a formal complaint against XXXX, Experian, and XXXX for what I believe to be a violation of the consumer protection laws outlined in the United States Code ( USC ). I have outlined the details of my complaint below, citing specific sections of the USC. 
I have attempted multiple disputes by certified mail as well as online to Experian, XXXX, and XXXX. I requested them to verify dates, balances, and contracts from the furnishing companies with my signature. I've attempted correspondence with XXXX, Experian, and XXXX starting from XXXX of this year until the present with no satisfactory results. 
I recently discovered that XXXX, Experian, and XXXX have improperly used my credit report information in violation of the Fair Credit Reporting Act ( FCRA ), as outlined in USC Title 15, Chapter 41. My reports show incorrect variations of my name, incorrect addresses, as well as inaccurate and inconsistent balances and dates. 
These actions by XXXX, Experian, and XXXX infringe upon my rights as a consumer, as protected by USC Title 15, Chapter 41, Subchapter III. 
I want to bring to your attention that XXXX, Experian, and XXXX did not obtain proper authorization for the use of my credit report information, which is a direct violation of USC Title 15, Chapter 41, Section 1681b. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against XXXX, Experian, and XXXX in accordance with the USC. 
I have attached a copy of the XXXX letter that was sent to XXXX, Experian, and XXXX as well as a copy of my reports, other supporting documentation, and a copy of my State ID. 
I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will act diligently to ensure that my consumer rights are protected.

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 2023-11-22
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Dispute Number : XXXX Date of Transactions : XX/XX/2023 {$500.00} Non Citi ATM XXXX XXXX XXXX XXXX XXXX XX/XX/2023 {$300.00} Non Citi ATM XXXX XXXX XXXX XXXX XX/XX/2023 {$300.00} Non Citi ATM XXXX XXXX XXXX XXXX XX/XX/2023 {$300.00} Non Citi ATM XXXX XXXX XXXX XXXX This has been one of the most incompetent processes that Citibank has made me jump through since last XXXX. I can not believe that it has taken me 9 months after I was the victim of crime to get to a point where today, I still had to spend 1.5 hours with 5 of the most unhelpful call center agents to try to explain that I have still not had the above transactions returned to me. I was told that the review was under investigation but it is clear that you were expecting me to forget. 

These transactions were included in my last dispute appeal that you approved but for whatever reason you didn't refund me. All of these transactions/withdrawals happened on the same night within a few hours of one another so WHY WERE YOU SELECTIVE in what you were refunding me. These cash withdrawals were not me, they were criminals as is outlined in my police report. 

I have again attached my evidence to this complaint. Please, for the love of god, fix this once and for all or I will be removing all my, my wife 's and my families assets from your toxic 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 2018-11-09
Company: REGIONS FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
I worked for XXXX XXXX, XXXX XXXX, CA and on XX/XX/18 i was paid with a Camdata debit card for the amount of {$540.00}. When i tried to withdraw the money Camdata took away the sum of {$27.00} instead of {$3.00} stated. 
I have made repeated calls but they will not refund or explain why in one transaction the amount is taken away for my payroll. 
This not fair as the amount is exorbitant. Thank you

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 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 recently received unauthorized hard inquiries on my credit report here are the following inquiries that was made XXXX | XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2023 a fraudulent charge of {$1100.00} was posted to my Goldman Sacks ( GS ) Apple Card.

I immediately received notice of this charge and contacted GS with my dispute. 
On XX/XX/2023 I received a letter stating their investigation was completed saying their investigation was completed saying they reviewed available information which confirmsI authorized the charge, That same day I contacted GS and continued my dispute asking for information. Nothing was provided. 

Today, XX/XX/2023 I once again contacted GS and was told the charge is still being investigated. I asked the GS agent to escalate my dispute and was told they would not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: PA
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:
There is information on my report that is incorrect such as accounts late payments names and address i have sent out disputes via mail and i have Also sent info via email I hve also sent in sesc and desice letter

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 2021-03-12
Company: PNC Bank N.A.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I sold my car and the loan on it I had with PNC was closed on XX/XX/XXXX. On XX/XX/XXXX an additional payment of {$640.00} was sent from my bank ( XXXX XXXX XXXX ) to PNC and cleared my checking account. After 5 phone calls to PNC, I was told to fax proof of payment to PNC and I would be refunded the money since the loan was closed. It has been a week since the funds left my account and PNC has not returned my money. I have called them another 2 times today. I was on hold one time for over 20 minutes and then was transferred to XXXX without any notification. I then provided my social security information to that company without knowing I was even transferred. I am now on hold for another 20 minutes and still no progress or help from PNC. I would not trust them with any of my accounts or loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: BONDED ADJUSTMENT COMPANY
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Approximately 3 years ago, I contacted the power company in my state to have power turned on in the apartment I was moving in to. To my surprise, I was notified at that time, I ha an outstanding balance under {$100.00} from a previous address. I remembered the debt, but had forgotten to pay it. When I asked if I could pay it, I was told I need contact the collection company to whom owned it. The agent gave me the number to bonded adjustment. 

I called the above named company. I told the woman who answered I needed to pay an outstanding balance for a power bill I had forgotten to pay from a previous address. I couldn't get power until the bill was paid. The woman rudely asked my name and placed me on hold. After a 10-15 minute pause, this woman returned to the call to say she found the account. She rudely said I need pay the balance of the power bill and another amount of funds, in my name. 

When asked what other bill was outstanding, she refused to tell me who, where the bill when the bill was originated. I then told the female I had money for the power bill and my car payment. I needed to get power turned on. She proceeded to tell me I better find another way to make my car payment and refused to take only the power bill I acknowledged. In my opinion, she extorted funds for a debt I knew nothing about. She then said it was a medical debt. I asked for a receipt for the payments.She said they would be in the mail. I NEVER received them. 

I recently received another statement from this company dated back in 2015. It is my opinion, this company is using deceptive and predatory practices to collect. Especially during a world wide plague taking advantage of consumers and parking debt! As mentioned before, I did not receive the receipts of the payments I previously made, no validations of any kind..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The car was worth more money than what the auctioned it off for than garnished my wages @ 25 % on a part time job. I am struggling and May have to claim bankruptcy and nobody gets anything. I was a great customer until the carburetor fuel pump and needed 4 tires all at the same time and I just asked for an extension of 2 months on the loan to get the repairs and they refused XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
We have constantly tried to get help from the lender. We stated that we had a hardship and loss our jobs due to Covid-19. We live in Georgia and care for an elderly parent. This is our only transportation. 

We called the lender today and they had advised us that the loan was charged off and the lender would not accept our payment. The last invoice that we received was XX/XX/2021 saying that we owe {$2200.00}. We called to make the payment on XX/XX/2021 and they stated that they would not accept the payment and the vehicle was charged off and will be repossessed. 

This is the first time that we heard about this. We did not receive anything in the mail. We have not received any help. They stated that they would help us but never did. They would advise that we make a payment then we could get help. We did make a payment with the promise to get help on XX/XX/2021.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting 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 DO NOT RECOGNIZE THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-11
Company: Professional Finance Company, Inc.
State: NM
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX asked me to leave and would not be renewing my lease. It was just before XX/XX/XXXX. They refused to give me a reason but stated they would evict me if I stayed. I was packed and out before the end of the month. 
I got an apartment after I left without any problem. XXXX XXXXtold me they filed the Previous Balance report on XX/XX/XXXX. 
XXXX told me I owed them for XXXX and XXXX, a balance of {$600.00}. 
XXXX also told me they mailed the notice to the apartment they a had asked me to vacate. 
I didn't get any notice about money owned until today after I had found housing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation