BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
State: MD
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2023-06-17
Company: CEX.IO CORP.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I made a deposit in XXXX and the company will not return the money to me. I have my moms credit card and she lets me use it. It only has a {$300.00} limit. She lives in a different state than me, does not know how to write in English. The deposit was made in XXXX and because the card is in my moms name they will not return the money to me or let me gain access to it. They are asking for my mother to take a picture of herself holding the card and holding a written out statement that she allows it. Again she lives in a different state, she cant write in English and I have provided all my information. I have access to the account, I have the statements which show payment history, etc. They will not accept it. I was not aware when I made the deposit that it couldnt be my moms card. If that were the case, they should have just done a temporary hold or better screening method and rejected my deposit. They will not return the money to me and will not let me transfer it or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2018, I was notified by email from PayPal that my account was permanently suspended and that all remaining funds would be held for 180 days. This was due to an unprecedented security flaw in PayPal 's system which enabled cyber-attackers to access compromised accounts, and consequently file unauthorized transaction disputes through PayPal 's Buyer Protection Policy after receiving said items. 

The reason I am filing this complaint is because PayPal claims to hold all funds for 180 days in case of any chargeback attempts filed by buyers through their respected credit issuing agencies. However, most of these chargeback disputes have already been filed and effectively settled, by PayPal reviewing each case and successfully covering me under their Seller Protection Policy. Therefore, there is no valid reason for the majority of my limited balance to be held for 180 days, since the chargebacks have already been effectively settled and covered under PayPal 's Seller Protection Policy. 

I would also like to stress the fact that this is a MAJOR security flaw, and possibly thousands, if not millions of accounts are currently compromised and vulnerable to attack. PayPal does not offer an effective solution to these affected account owners, such as sending notifications, requiring a form of 2-factor authentication, or requiring a password change. There is also no way for PayPal to determine if these account owners had used a proxy to login to their own accounts, to successfully file an unauthorized transaction case and receive their money back, or if they were genuinely compromised by black-hat cyber attacking thieves.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Kriya Capital, LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this debt. It does not belong to me and I have never been contacted by neither the debt collection agency or the original creditor to verify the accuracy of this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-29
Company: SYNCHRONY FINANCIAL
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Synchrony Bank Employee I spoke to : XXXX Employee IDXXXX 1. We called this morning in order for my husband to add me as a " XXXX '' XXXX only inform us of the things I am NOT able to do. 

2. We also called to make a payment towards the principal, which XXXX to told us if we made a principal payment on the phone, they will charge interest. 
This is not fair. I am making a payment towards the principal. 
XXXX gave us an option to mail-in the principal payment to and address in XXXX Georgia and I will avoid paying interest. It's the same situation by the time it takes to get to XXXX Georgia from California. plus is theres still a CHANCE our payment gets " lost '' in the mail. 

3. XXXX also mentioned our principal payment could get tossed out!!!

4. We have yet to receive our first monthly bill.

5.This my second complaint with this company in the same month.

6. theres no place where I can check the status of my account online.

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 2023-04-26
Company: CarMax, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I received a call from a representative by the name of XXXX at XXXX on XX/XX/2023. She was rude and I told her she was speaking to the debtor. When she wanted to verify more information I told her I was not going to voluntary provide any more information to use against me.all she did was repeat the questions. When I advised again I was not, she stated they had a return mail. I told her I was not going to provide anything. She yelled and stated " thats your problem ". When she realized she yelled she paused then repeatedly asks for more information. I disconnected the call after this. This was a clear sign of overt discrimination. This has happened before with XXXX loans. I filed a complaint and you guys did nothing. I don't want to hear it this time. It seems if I was a protected class of a type of person or culture. Something would be done in a heart beat. No questions asked. But let it be a normal human being and we don't get any help. It seems the only way to get any resolution it to blast it on social media these days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: EQUIFAX, INC.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after four separate requests made timely for this, the company has failed to provide me with this validation. The company not only denies me of my rights as a consumer under this act, they also continue to employ illegal practices, reporting tactics to bureaus, and harassment methods via phone and letter. They continue to tell me " they have verified the debt as belonging to me '' but refuse to send the methods they utilized to arrive at this conclusion. Yet, reporting this information on my credit file causing me stress and financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14
Company: U.S. BANCORP
State: FL
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:
XXXX Harassing, oppressive, or abusive conduct. 
" Per the CFPB, " If you believe a debt collector is harassing you, you can submit a complaint with the CFPB. '' Person/party who stands to gain monetary : XXXX XXXX XXXX Person/party responsible through whom actions were/are initiated/directed : XXXX XXXX XXXX FL Bar # XXXX of XXXX XXXX XXXX, XXXX, XXXX Service Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Office : XXXX Cell XXXX XXXX XXXX No Text Messages Fax : XXXX For more than 3 years, as materially documented with the CFPB, XXXX XXXX XXXX has himself impersonated a bank XXXX XXXX XXXX has also DIRECTED more than 30 other individuals ( public servants and non public servants ) to take part in his impersonation of a bank, as an injured party to who it has been stated by the " actors and actresses '' that the bank is an injured party, in the amount of approximately {$140000.00}, and that I, a consumer, am responsible for that injury. 

I, the consumer, have contacted the bank of interest named by XXXX XXXX, US Bank National Association, multiple times, most recently 10 times directly, since XX/XX/2022, OFFERING TO DISCUSS and agree to PAY the bank any amount that XXXX XXXX has stated to me in writing that the bank is owed. 

US Bank National Association has failed to respond to me zero times over the past three years. 
US Bank National does not respond to me to collaborate ANYTHING XXXX XXXX XXXX has sent me and has directed over 30 other people to send me ( all have been using the United States Postal Service System ). 
I can submit all tangile proof, pictures, copies of all material documentation, they have sent to me by USPS mail soliciting, intimidating and threatening actions against me to pay to XXXX XXXX andcthe law firm he represents. 

XXXX XXXX XXXX has been impersonating XXXX BANK XXXX by using the XXXX system to seduce, oppress, threaten and harass me into paying him monies.

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 2019-08-20
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
For the past 30 years my husband conslated student loans which we were forced to consolate at 8.3 percent will not be able to refinance and from a loan. We have tried for 20 years to get public service student loan forgiveness and XXXX forgivenss, but the same patters happen things paper gets lost, they never recieved it, or we never qualify for what ever reason a loan of XXXX has now increased to XXXX because instead of sallie maie and navient helping us they pushed us into forebarance which that company capitalized in thier inrest into the amount that is now.  Our salaries will never let us pay that amount off.  We are both XXXX  years old and will never be able to retire. Naviet and sallie mae are crooks that guided us into debt that we will never be able to pay. We need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I recently realized that between a billing error on XXXX 's part and other billing errors, that I was being charged amounts that did not add up to the amounts I owed and/or that I needed to cancel payments because I was entitled to dispute and not pay for a service even at the cost of the service so I could have my money back. Essentially, TD Bank is trying to force me to pay amounts for services that are unreasonable and reverses any dispute if it turns out I had the card in my possession not whether the transaction itself is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland Credit Management Inc ( MCM ) XXXX I received a letter from Midland with an attempt to settle a debt in the end of XX/XX/XXXX in which I immediately sent a validation of this debt to on XX/XX/XXXX. Certified receipt of the item was XX/XX/XXXX which is attached. Clearly stated what I wanted the Collection agency to verify. There was no response so I sent another letter stating there was no response on XX/XX/XXXX and that they failed to validate within 30 days of my letter sent. Mid to late XXXX I got a letter from Midland to let them know what I am disputing which was clearly made in the 2 first letters sent and they have ignored my request. XX/XX/XXXX I have sent an estoppel for clearly ignoring my requested information which they still have not provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: CA
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14
Company: JPMORGAN CHASE & CO.
State: DC
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/22 I deposited {$500.00} of cash into a Chase ATM for my Chase total checking account and received an error message on the screen saying the funds could not properly be deposited. My money was not returned and I received a receipt instructing me to call a number ( XXXX ) to make sure the deposit went through with no further information. Upon calling, customer service said they did not see the funds but processed a claim on my behalf and I received the missing deposit on XX/XX/22. Without any notification, the claim was reversed exactly a month later on XX/XX/22, and upon calling I was told that the cash was not found in the ATM and there was nothing Chase could or would do to remedy the situation. This resulted in my account being over-drafted and multiple conversations with Chase employees telling me that there is no way for my money to be returned to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-06
Company: CITIBANK, N.A.
State: RI
Product: Credit card or prepaid 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:
Noticed in XX/XX/XXXX a series of fraudulent charges on our credit card ( four charges in total amounting to over {$4000.00} ). We contacted the bank ( Citi Bank ) immediately to dispute the charges and within a couple of days two of the four charges were taken off our statement. A couple months later we contacted the bank again to inquire as to why the other two have not been removed from our account ( ~ {$1800.00} ). The bank indicated that they were still investigating those charges and once they concluded their investigation the charges would be removed.

We contacted the bank in XX/XX/XXXX to inquire about those same two charges and their investigation, we were told that they would have to reopen our file under the old card number to review the charges. This tells me that they closed the file without doing any investigation into the charges and did not notify us of this development. 

Meanwhile, for nine months, we have been accruing interest charges on those charges. With the way credit cards work, we've been incurring compounded interest making this worse. This is now taking up almost {$2000.00} of our credit line and inhibiting our ability to make purchases as part of our daily routine.

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 2023-11-01
Company: Experian Information Solutions Inc.
State: NY
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 take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-10-27
Company: EQUIFAX, 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:
XX/XX/2022 I received a message that my dispute was closed by Equifax information Service LCC to my claim first and foremost I have not received any authentication or what step the took for the investigation XXXX. No original validation from the original creditor or XXXX. According to XXXX XXXX XXXX XXXXXXXX ( A ) States I have a right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) it also states a consumer reporting agency can not furnish a account without my written instructions.also XXXX ( c ). ( A ) ( XXXX ) states, no consumer reporting agency may make any report containing any of the following items of information any adverse items of information other than of convection of crimes which antedates the report by more than XXXX XXXX. Also XXXX XXXXXXXX XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the reason knows or has reasonable cause to believe the information is inaccurate. Notice I have file a XXXX Financing Statement and addendum/ a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX with XXXX Security Agreement with {>= $1,000,000} total of value collateral in security agreement is XXXX in place I'm preparing a lien on all three credit bureaus for all reporting violations and each violation is XXXX in federal reserve notes or gold or silver coins this is a notice by law you Have XXXX XXXX XXXX to delete all items off my credit report and send me the investigation process and the original contacts from the lenders loan XXXX of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: Credit Bureau of Carbon County
State: WY
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I was delivered a fake civil case file for money owed to Doctors. The information on the page did not have a case number or a Judge stamp. It was simply filed and delivered to my home on a Sunday by a message delivery person, not a sheriff or signature needing person. While it states it is from the Civil court its signature is from the collection attorney. This is the Second notification threat that we have received on bills that we are paying on. One of the bills has verbally been requested to be verified and they have failed to send that verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: ENCORE CAPITAL GROUP INC.
State: UT
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: 1st Franklin Financial Corporation
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/19 I called 1st Franklin Financial to see about increasing my loan. I was told that there was a flag on my account placed by the manager which stated they would not lend to me because I lived in another state. I explained that is not true and I only work in another state but my legal residency is maintained in South Carolina. I also explained that I could prove this through my taxes or any other documents. XXXX told me that the manager was gone until Monday and that they were not going to bother him and that I could not speak to corporate. She told me she would give the Assistant Manager my number and have him call me back. The next day I got a call back from XXXX telling me the same thing and that I could try back on Monday with the manager. On XX/XX/19 I called back and asked to speak to the manager, to which they would not allow me. Shortly after asking why, the manager got on the phone and asked what I wanted. I explained I would like to increase my loan. He stated he would not take an application and that he would not lend to me because I live in another state. I explained that this was not true and that I could prove it with legal documents, car registration, ID, taxes, etc ... He told me that I was " Trying to commit fraud '' and that I was " trying to pull the wool over his eyes '' He also stated that If I asked him again, he would pull my credit without my permission and send me a denial letter. I told him good day and ended the call. After that, I called their corporate HQ and made a complaint. A few hours later the Regional Manager called and apologized to me for the way I was treated and threatened by XXXX the manager. He offered no solution what so ever. I have had 3 loans with this company and never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
i was denied credit.....reason>unable to verify credit reference due to security alert...per MACY'S XXXX XXXX XXXX XXXX ,oh XXXX new accounts XXXX..I spoke with  supervisor XXXX...and she also denied my application...i am being discriminated i am being denied credit for an unlawful reason..there is no security fraud alert on my XXXX credit file

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