BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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 2023-10-28
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I bought a receiver from XXXX using PayPal. My preferred payment method was set for PayPal Credit. PayPal tried to take money from my bank account instead. I did not have enough money in that account so I stopped Payment. PayPal then had a choice to make. They could use my PayPal Credit account, which had plenty of credit available on it for the receiver or they could use my regular PayPal account which had a balance of {$0.00}. In their wisdom, they chose the PayPal account with {$0.00}. They paid the merchant {$570.00}, which caused my account balance to plummet to - {$570.00}. Now they want me to pay them back. I originally asked them to use my credit account because I didn't have the cash to buy the receiver. I still don't have the cash and I don't know where PayPal thinks it's going to come from. I can't give what I don't have. I complained to the Ohio Attorney General. PayPal 's response was that my bank was my preferred method of payment ; and that I chose to use my bank account with under {$100.00} in it to pay for a receiver that cost over {$500.00}. I'm afraid that, unlike PayPal, I understand that I can't pay for something when I don't have the money unless I use credit. This response from PayPal was also the first time they said my bank account was my preferred payment method. I have been communicating with PayPal for over a month about this and not one other person has told me that. Those who chose to tell me said that my PayPal Credit account was what I had chosen as my preferred payment method. So PayPal 's response to the Attorney General included false information. I'm afraid that they will change their records at PayPal to match their lies and there will be nothing I can do about it. They have lost all of my trust.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
Company: WorldRemit Corp.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
XXXX i was contacted by someone on XXXX on an investment opportunity. If i committed to sending them money up to a certain amount, they would send me a larger amount in return. The total i have sent is around XXXX, i have contact all my credit cards and bank. Have told them what has happened. Most of the transactions were done through worldremitXXXX. I have not contacted worldremit yet. as i dont think they would be willing to help me out with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: CBC Companies, Inc.
State: NJ
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 FCRA this creditor, XXXX XXXX XXXX, has violated my rights. Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2023-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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:
My TransUnion credit score report is an absolute mess. Many negative-factor statements contradict the positive-factor statements, and are also either old or inaccurate. I received an " adverse credit '' disclosure notice from my auto insurance company ( XXXX  ), so I had to check to see what's going on because I know my FICO and VantageXXXX scores are very high and above average. I stay on top of my payments and information and data. The errors are on their end and it's becoming very frustrating to deal with.

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 2023-12-15
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting 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 the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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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 2023-05-29
Company: Experian Information Solutions Inc.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
PLEASE UPDATE MY PERSONAL INFORMATION ATTATCH HERE, AND MAKE SURE IT'S ACCCURATE. 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 non-monetary relief
Consumer complaint received 2022-11-17
Company: Experian Information Solutions 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:
Over the past two years, I have reached out to the credit reporting agencies to correct errors on my profile. They have not been very helpful with removing unverifiable items, which they continue to post to my profile without doing a proper investigation. XXXX is not showing any of the accounts the other two are showing, and all information on my credit needs to be accurate. I dont have student loans but they are posted as collection accounts on XXXX and Experian. Ive sent out 3 different letters to them, certified mail and havent received a response. My most recent letter was sent on XX/XX/XXXX, the letter before that was sent in 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 explanation
Consumer complaint received 2019-01-04
Company: DISCOVER BANK
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I closed my account with Discover Bank ( Card ) in XXXX, paying it in full and ensuring that this payment covered all finance charges. Later that month, I called back to ensure that my account was closed and there was a XXXX  balance on my closed account. I then received a series of checks from Discover, two stating that I had overpaid. This is unacceptable due to the due diligence I showed in calling a SECOND time to ensure my account was in order. I deposited the first two checks. I later received notice that they had made a mistake and shouldn't have sent me the second of three checks and that I must pay that back immediately. I sent a written notice, refusing to pay them since I had paid off ALL money owed and checked back before the time the checks were mailed to ensure this was the case. That same week that my paper request for written confirmation of my closed account was in the mail to Discover Bank, they sent me a THIRD check to deposit with more money they supposedly owed me. I then called the company AGAIN and told them what was going on. The manager refused to clear the account and insisted I owed them the money even after the company is still sending me a checks. I have not deposited the third check due to the behavior of representatives of this company. I feel I am trapped in a scam. I asked for an email copy of all transactions they have a record of my billing and phone call transactions for my complaint for the Consumer Financial Protection Bureau and other consumer advocacy groups. She refused to email it to me but said she would mail me a hard copy once the legal team preps it. That was on a Friday. I still had not received the promised correspondence by the following Friday but did receive another e-mail claiming I owed the money and must now pay a minimum, insinuating that this fraudulent charge now carries possible finance charges. I called the company again, speaking to another manager, who claimed that they can't mail me such documentation and the last manager never should have said she could. She read the notes from my last call and agreed to forward my information and request to speak to a " higher up '' from their legal team. She said they could not call me for 24 business hours, putting me into the second week waiting for this basic information. I am now submitting the complaints without it, while awaiting the supposed call from their legal team.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-29
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: Information belongs to someone else

Complaint:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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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 2022-11-17
Company: CITIZENS FINANCIAL GROUP, INC.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I applied to a bunch of Universities in the US for my son through the XXXX XXXX. The application amounts ranged from US {$55.00} to US {$90.00} and there were a total of 9 transactions. The payments were made to entities in US ( universities ) through a US based entity ( Citizens Bank ) using a debit card issued in US.

I have been charged a total of US {$19.00} for the XXXX payments towards " Foreign ATM or POS Fee ; Exchange Fee '' as per the following details : XX/XX/22 Foreign ATM or POS Fee - {$2.00} Exchange Fee XX/XX/22 Foreign ATM or POS Fee - {$2.00} Exchange Fee XX/XX/22 Foreign ATM or POS Fee - {$2.00} Exchange Fee XX/XX/22 Foreign ATM or POS Fee - {$2.00} Exchange Fee XX/XX/22 Foreign ATM or POS Fee - {$2.00} Exchange Fee XX/XX/22 Foreign ATM or POS Fee - {$2.00} Exchange Fee XX/XX/22 Foreign ATM or POS Fee - {$1.00} Exchange Fee XX/XX/22 Foreign ATM or POS Fee - {$1.00} Exchange Fee XX/XX/22 Foreign ATM or POS Fee - {$1.00} Exchange Fee These charges do not make any sense to me and I have requested Citizens Bank to waive them off. But they have refused to do so. This seems nothing but a clearcut case of extortion on the part of the bank. They have charged me a 3 % fee by labelling these transactions as international. This is wrong because the payments were made to entities in US ( universities ) through a US based entity ( Citizens Bank ) using a debit card issued in US. The entity that processes the payment is also a US Based entity ( XXXX ) and they have clearly stated that they do not charge any additional fee for the use of cards issued by US financial institutions. The receipts issued for each of these transactions has been attached in the form of a PDF file.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-01
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In the last three days, I have received seven phone calls from Navient. Two calls came on Wednesday six hours apart from each other. On Thursday two more calls came in. This time it was less than two hours apart from each other. On Friday, I received three phone calls less than three hours apart from each other. The phone calls Friday used a XXXX area code number and spoofed the calls. Also the third call when I answered no one spoke up and sat silent. It was their intent to have me hang up then call back which would then direct me to Navient. That phone call there is deceptive. Also, according to FCC regulations a business attempting to collect debt can not spoof a phone number. It is misleading and deceptive. Also, repeated attempts to contact in this case is a illegal under the Fair Debt Collection Practices Act. I want to make a formal complaint and speak to someone in regards to having my entire account removed from Navient. The company did not notify me that a chunk of my federal student loans, which I had consolidated into my private loans, were sold off to a separate company. This not only nullified any prior payment agreements with Navient, it also means I now and paying for double student loans. My payment options did not change under Navient and it was expected I continue to pay the current payment without getting an updated breakdown on my account or how this move impacts my account. Under the Fair Debt Collection Practices Act, the company has broken several of the binding privacy and best practices and I would like to file a lawsuit against the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Wilber and Associates, P.C.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Wilber and Associates called and harassed me for many years. XXXX XXXX was one of the representatives that has used illegal, unethical and cruel tactics on my file. This was a fraudulent claim that has been proven by the court system to be so. This agency has closed the file and there is a cease and desist on this file as well. They shared information about my file to an outside agency called XXXX when they were not supposed to and gave false information to this agency that may ultimately lead to legal action in the coming weeks. All I asked for was a letter stating my file was closed and they are refusing to admit that they already sent a letter in. My file is closed and there I am entitled to the truth and verification of this fact. This is a fraudulent claim I was not convicted of which can be proven by the court system.

Company response to consumer: Closed with explanation