BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-12
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: Their investigation did not fix an error on your report

Complaint:
I seen this company on my credit report XXXX XXXX and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
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 Account XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a 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 non-monetary relief
Consumer complaint received 2023-05-06
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
My PayPal is XXXX For the last week, Ive had my time wasted on the phone with PayPal. First my money was on hold for 10 days. Then once it was available, it made me send a photo of my ID and SSN to verify my account. It took me hours to do so. Then, once my account was ALREADY ID VERIFIED, when I tried to withdraw my money it asked me to scan a photo of my ID and take a selfie of my face so they could match them together.

I did this in a well lit room and it was green lit and said it was supposed to be ok. Then it failed to match my face with the id. I was furious when I called back PayPal and they told me I would be locked out for 72 hours, and then I would have to try again. I asked them if it could be overridden since I ALREADY VERIFIED MY ACCOUNT and CLEARLY HAVE ACCESS TO IT, and they told me I would have to wait 72 and try again. I asked them what I could do if it didnt work, and they told me I had to wait another 72 hours and try AGAIN. I was absolutely livid, because I know its NOT gon na work, since it didnt work the first time and I did it the best way possible. PayPal automated systems are absolute garbage, and when I tried to reset my password, it would give me an error each and every time and I had to call an agent to do it manually. This is gon na be the same exact thing, I know. They cant possible tell me that someone in an ID photo is gon na facial recognition match automated when a selfie distorts the face, I look different, and an ID photo is done professionally shot. 

This is a ridiculous and convoluted system obviously put in place to make it hard for people to withdraw their money so they go ahead and use a PayPal debit card or credit card instead of being able to send it to their bank. This is absolutely disgusting and should be illegal. Not even banks ask to scan your face and an ID, and with a useless system that doenst work on top of it. Really losing my patience.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-13
Company: MOHELA
State: IL
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:
on XXXX i paid the balance of my loan which was {$10000.00}. I have an email from Mohela that they received my money. see below XXXX, Your payment amount of {$10000.00} has been posted to your account with the effective date of XX/XX/2023. 
View additional payment details by logging into your online account. Questions regarding your account? Give us a call at XXXX, so we may better assist you. 

this money has not posted. i have letters from Mohela that i have satisfied the payback of my loans and they are closed. I even received a {$99.00} refund check from Mohela because i over paid! i have made 4 calls ( with the average hold time to get someone on the phone being 45min to 1hr 8 min. each call lasts an additional 45 min to an hour. i have over 6 message in their system begging someone to post the money to my account. each time the person is very nice, see 's the payment in the system yet i am told " i have to escalate this. you'll hear back ''. i NEVER hear back yet i get emails that the balance is outstanding. per the rep at Mohela the asked that i verify with my bank, 3 times that the money was not returned. Mohela has it and I need to reach someone who will post this money almost 3 months after i paid it!!

Company response to consumer: In progress
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: GA
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:
I submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.

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 2023-10-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have late payment entries that have been recorded on XXXX, XXXX  ; XX/XX/2019 ; XX/XX/2019. I have a solid track record of making on-time payments for this account. Therefore, I have reason to believe that this reporting 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 2020-06-14
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2020 i sent a letter to this company about multiple unverifiable and inaccurate items on my credit report. i have not received anything back yet so over 60 days. I am a human and I expect to be treated fairly like one. i think this is disregarding the law and something needs to be done quick. everyone has been affected by the virus, but this is not an excuse to treat consumers this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I applied for a Citi Bank card because the rewards promised seemed attractive. I was granted the card. However, I did not receive a statement the first month. After a while I became concerned and contacted Citi. They said I owed a balance and a late fee. I paid the balance immediately. I complained about the late fee and explained I was waiting for my first statement. They said I opted for a paperless statement, but I know that is not true. I never choose paperless, especially not for a new account. If I " chose '' paperless it is only because they tricked me. They agreed to waive the penalty, and they did so. However, an interest charge of {$32.00} appeared on my statement. That is more than the late penalty. That is unfair because 1 ) the payment was only a day or two late, and 2 ) I would have paid on time if I had received a statement. I contacted City again and talked to " XXXX. '' She just gave me the runaround, claiming she wanted to help me but had no " authority. '' I think Citi intentionally misleads customers unwittingly into paperless statements because they want to trigger late payments, late fees, and excessive interest. Then they stiff-arm anyone who complains. It is a scam.

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 2023-10-25
Company: EQUIFAX, INC.
State: SC
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
XXXX is reporting negatively to the credit bureaus on my credit report after the it was charged off & i never received a 1099c.

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 2023-03-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had a account open with citzans bank checking and saving i got scamed by fake job they decided right then there to lock me out of my accounts and end relationship with me not giving me understand. And why they ended it. Now its been more the 4 months and had open claim they closed the claim and was cleared as that was correct they owe me money XXXX and still have not giving me money even though they have the understand of the claim but no commcations it Almost been 5 month and still no response I think I should sue them this kind messed up then I have to wait on the phone 2-5 hours waiting to speak to some sending me private message no correspondence. When they feel like then this guy recorded conversation ( I have all recipient 's for this ) this guy told me on the phone from citzans bank that it aginst the law to keep claim open for this long and he said he just got put on this case which is funny becuse I though they were working on it month ago meaning XX/XX/XXXX or XXXX I don't the exact date so now what do I do bring this bank to court? Have understand of what they are doing? I also have correspondence from the claim makeing statement they had the wrong bank and they are sorry and the bank will reach out to me whitch they have and then nothing since on email private correspondence whitch is wired

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/XXXX, the funds for the remaining monies owed on the title loan ( {$64.00} ) was paid to Titlemax XXXX Resolution Department located in XXXX, Texas. I was informed I would receive release letter via mail. When I did not receive the release letter within two weeks, I contacted the Resolution Department in Texas. The representative said it would take up to 14 days before the release letter would arrive to my address. I provided the representative my current address. I waited three weeks before contacting the Resolution Department again. The representative advised the account had not been paid. I provided the representative with the confirmation number provided by the initial representative. I offered to pay the balance again. However, the representative voiced she would send it to the compliance department to resolve the matter. When I didn't hear anything, I called Resolution Department a fourth time. I was on hold for approximately 45 minutes. My wife attempted to resolve the matter. She spoke with XXXX XXXX, who provided an email address to send confirmation of the payment. XXXX XXXX stated she would send the documentation to compliance. My wife called XX/XX/XXXX to find out the status of the title release. XXXX, a supervisor, indicated no action had been taken to release the hold on my title. It has been 3 months and I still have not received a release letter or a clear title to my vehicle. I have been given the run around going from Titlemax in XXXX, Georgia to making numerous telephone calls to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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. 

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  has violated my rights under the following : XXXX5 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 2023-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
This account was charged off and still being reported to my credit in violation of FDCPA

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 2021-07-15
Company: The Outsource Group, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is in reference to case # XXXX they provided documents that are not my bearing my signature. I have uploaded my actual signature. Which is leading us into a legal a hippa law violation and also false misrepresentation with the false signature. I will be seeking legal actions if they can't provide a contact myself and Medicredit. I am going to suit the company. This is the last complaint will be submitting and I next will be seeking a lawsuit. Please compare the signature below. 


This was their response : Medicredit has received the complaint filed by XXXX XXXX XXXX and has conducted a thorough investigation. Account number ending in XXXX was placed with our office on XX/XX/2021 by our client, XXXX XXXX XXXX XXXX XXXX. On XX/XX/2021, a notice was mailed to the address provided by the consumer to our client at the time of service. Account number ending in XXXX was placed with our office on XX/XX/2021 by our client, XXXX XXXX XXXX XXXX XXXX. On XX/XX/2021, a notice was mailed to the address provided by the consumer to our client at the time of service. In an attempt to answer any additional questions regarding the validity of the debt, we have attached, to this complaint, a copy of the itemized bill and signed consent provided by the consumer at the time of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Performant Financial Corporation
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Called regarding changing payment details for state tax debt they have and they did not inform me that they no longer hold the account. When requesting number for state to find out how to pay balance due, " customer service rep '' got an attitude and hung up before providing information. 

Called back and put on hold and hung up on again.

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 2023-10-05
Company: Experian Information Solutions Inc.
State: MA
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 am writing to formally dispute and request the removal of inaccurate information on my credit report. On XX/XX/XXXX, I contacted Experian regarding the following incorrect account details : 1. Account Name : XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Highest Balance : {$44000.00} 2. Account Name : XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX XXXX : {$0.00} 3. Account Name : XXXX XXXX  XXXX Date Opened : XXXX XXXX, XXXX Credit Limit : {$500.00} I have not received any response from Experian regarding these matters to date.

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 2019-02-12
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I paid off my synchrony bank XXXX account in XX/XX/XXXX but they have not updated reflecting my account balance is {$0.00} and that I cancelled this account. 

Each time I review my account it shows open with a balance as if XX/XX/XXXX. If I was late paying on my account they don't hesitate to make that update. 

I have for 5 weeks trying to get them to show I owe them nothing. 

I spoken to customer service representative and managers to supervisors. 

Clearly admits I don't owe but they have not updated this information when they share with others.

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 2021-07-15
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
THIS IS NOT A DUPLICATE. RESUBMITTING COMPLAINT SINCE DOCUMENTS WOULD NOT LOAD IN LAST ONE. Santander Consumer USA has repeatedly violated my Consumer rights, and right to operate in commerce. I purchased a vehicle as a consumer transaction back in XXXX using my social security number. My social security card/number belongs to the Social Secuirty Administration and anything purchased with your social is the obligation of the United States in accordance to Truth in Lending 15 USC 1601. A credit card ( as defined under 15 USC 1601 ( I ) the term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. The FDCPA 15 USC 1692 never uses the term Borrower. I can not borrow my own money. Santander Consumer USA has referred to me as a Borrower in contract which is a violation. The only one who can extend credit is the one creating the debt, which is done with the use of my social security card/number. Banks can not loan money, it is illegal for a bank to loan money or extend credit. I have expressed these violations through mail which Santander Consumer USA has stated on record they received. I submitted an affidavit of truth, cease and desist granting my title lien free, an invoice of {$3000.00} for violating my federal protected consumer rights, and a debt validation letter. Santander Consumer USA has yet to provide me with a sworn affidavit of truth or a proper debt validation letter which again is in violation of 15 USC 1692. I have the right to request any and all debt validation. Santander Consumer USA has a clear and blatant disregard for federal law and continued to send me statements requesting to pay an alleged debt on a consumer transaction XXXX another violation of 15 USC 1692 ) and are now threatening to repossess my vehicle which will be theft. I have also expressed my Consumer right to demand all reporting to consumer and credit retorting agencys must cease and desist, and that demand has not been met. Santander Consumer USA is actively damaging my reputation and in violation of the FCRA 15 USC 1681.

Company response to consumer: Closed with explanation