BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-27
Company: Chime Financial Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
Chime checking account " My paycheck settlement " feature took money from an ineligible visa money transfer twice. XX/XX/XXXX they took {$34.00}, and today XX/XX/XXXX they took again from my money transfer in the account of {$29.00}. 
Their statements and advertisements say that paycheck settlement payments are taken only from eligible paycheck direct deposits when you receive an eligible paycheck direct deposit. Chime failed to take the settlement or of my last qualifying direct deposit, and had now instead stolen money from two separate visa money transfers. This has resulted in my inability to keep important health appointments due to lack of gas since they stole my money transfers. 
I requested to dispute their settlements and was told I couldn't due to these transactions being protected from consumer dispute. 
So chime has protected their ability to steal money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
THIS COMPANY HARASSED ME. IVE ASKED THEM MULTIPLE TIMES TO REMOVE ME OFF THERE CALLER LIST AND I DO NOT OWN THIS DEBT AND NOT FAMILIAR WITH THE COMPANY. I PROVIDED THEM DOCUMENTS. I KEEP GETTING HARASSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I applied for XXXX on XX/XX/XXXX and was informed that there was a 90 day processing time. The 90 day period has now passed and when I logged in to check the status of my application the status showed " Cancelled ''. I have not received any correspondence regarding this and have not been informed of what " cancelled '' indicates/translates. Upon contacting Mohela by phone on XX/XX/XXXX I was placed on a significantly long hold while my application status was " looked into '' and still was not provided with helpful information or resolution during the phone call. At conclusion of this call I was told that I would need to wait another 30 days for processing as they are unsure of why my application status is showing as cancelled. I submitted all required and fully completed documentation in XXXX of XXXX and I am not sure what the hold up is for moving forward with the forgiveness of my student loans on the basis of 120 months of completed public service. Being that the 90 days has passed I feel correction or further processing of my application should now be expedited and I should not be required to wait another 30 days due to MOHELA mishandling of my application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
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:
I am filing this complaint as the 3 credit bureaus have violated my FCRA right, fair debt collection practices act and Fair credit and billing act. I have requested a full validation under these three laws for this account name here by certified on XX/XX/2021 and have not heard back from anyone. These are the disputed accounts XXXX XXXX XXXX Account number XXXX. I wish to see the following information related to this account such as what right does the company have to collect and to request them to stop calling until a full investigation is taken. If they can't comply as requested, please remove this account from my Experian 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 explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation XXXX Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of XXXX XXXX ss XXXX Returns Relating to XXXX Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : XXXX XXXX AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-04-25
Company: EQUIFAX, INC.
State: FL
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:
I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Home is in short sale and Select Portfolio Servicing is taking too long to approve current offer. We had prior offer that was canceled XX/XX/XXXX because buyer waited too long for bank to approve. Now afraid current offer received XX/XX/XXXX will be cancelled too because of bank. Bank is requesting documents that have been sent many times for 1st and 2nd loans and they say " not received ''. As of today they say still missing documents for 2nd loan. Realtor has sent many times two sets of documents, one for each loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: Experian Information Solutions Inc.
State: FL
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:
Recently I opened a dispute with all 3 credit bureaus in particular " XXXX XXXX XXXX XXXX '' I have submitted a complainant about this company, the first complaint the company responded that I was not in there system, Second complaint I provided bill through complaint open again through CFPB. The company has NOT responded through CFPB, I emailed company on XX/XX/2019. There response was as follow " Ms. XXXX, We have located an account and forwarded your second complaint to XXXX for investigation. We will respond to the complaint in the time allotted after hearing from XXXX on the matter. '' Now on XX/XX/2019 Experian has updated this account to stay on my account and has closed my dispute how is this possible?, NEITHER Experian OR XXXX have provided documents that I have ask for showing this indeed belongs to me, I humbly ask the help of CFPB. I'm afraid that the bureaus are not investigating properly, I have provided documents showing I'am in fact an identity theft victim as well. To XXXX in my previous complaint to make it clear this is what I'm requesting from your company " This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : ''

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 2023-03-13
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing this letter to dispute several items on my credit report, which I believe are inaccurate and damaging my credit score. As per the Fair Credit Reporting Act ( FCRA ) Section 611, I have a right to dispute any inaccuracies in my credit report. 

My name is XXXX XXXX, and the following are the negative items that I would like to dispute : XXXX XXXX XXXX  - Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull, and I demand that it be removed from my credit report immediately, as per FCRA Section 611 ( a ) ( 2 ). 

XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull, and I demand that it be removed from my credit report immediately, as per FCRA Section 611 ( a ) ( 2 ). 

XXXX XXXX - Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately, as per FCRA Section 611 ( a ) ( 1 ) ( A ). 

XXXX XXXXXXXX XXXX A - Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report, as per FCRA Section 611 ( a ) ( 2 ). 

XXXX XXXX  - Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report, as per FCRA Section 611 ( a ) ( 2 ). 

XXXX XXXX XXXX XXXX - Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report, as per FCRA Section 611 ( a ) ( 2 ). 

XXXX - Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report, as per FCRA Section 611 ( a ) ( 2 ). 

I kindly request you to conduct a thorough investigation into these accounts and provide me with a written explanation of your findings, as per FCRA Section 611 ( a ) ( 1 ) ( B ). 

Thank you for your cooperation in resolving these issues. 

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 2022-09-21
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:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2021-02-10
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I bought a magazine subscription. I used my PayPal account to charge for the subscription. I then tried to add money to PayPal to pay for the subscription. PayPal refused to take my money and is beginning to charge me fees. I can provide you my checking account balances to show that I have enough money to pay the {$34.00}. They websites says " add money ''. I go through that service and the options are not available. 

I reached out to them via PayPal " contact us '' message on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called them on those days too but the automatic system hangs up on me. The customer representatives told me that the option is available for me to add money. I go back to their website and it is still not working. 

As per the customer service rep suggestion, I sent them a check on XX/XX/XXXX PayPal , Inc . 
Attention : XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They wrote me : " Upon receipt, a personal check normally takes 7 business days to post to your account.

Upon receipt, a cashier 's check or a money order normally takes 2 business days to post to your account. 

Please keep in mind that, while your account balance is negative, any payments you receive in your PayPal account will be applied to the outstanding balance and any refunds you attempt to issue will be funded by an electronic transfer from your bank. Finally, please keep in mind that your account could be limited until the negative balance is paid. '' It has been three weeks. They have not taking my money XXXX source : XXXX XXXX  XXXX. 

PayPal is starting to charge me fees for my negative account that I try to rectify via all the means they provided. Please help me. I am very upset. As a legal immigrant, I do not want to do something that is not right and I feel that PayPal is taking advantage of me. 

I enclosed the print screen examples of what I go through the PayPal. The last print screen - " Fifth page '' - clearly shows that I have linked accounts. When I select them and then press " next '' -> nothing happens. There is no new page. I brought that to the company reps attention and they all told me that I am wrong ( I guess bevause I am an immigrant and dont write good ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-28
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
From a dealer, I purchased a vehicle. At the time, I had a XXXX average credit score. Salamander Consumer USA levied a 22 % loan for {$17000.00} loan. The payment on this loan, turns out, is too much for me. I am privileged to information that this Bank has several branches in XXXX. Now, the PESO is of a price that the assets Santander are 50 % undervalued, therefore, they have, essentially doubled the usual interest rate for a XXXX Score. It is miserable dealing with a Foreign Bank. Santander is a XXXX bank with offices in the US. Everybody says that the interest is too much for my score ... .NEVER DEAL WITH FOREIGN BANKS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I would like for the credit reporting agencies to look over the pdf I attached to see items that should be deleted or disputed.

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 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX unlawfully reported these accounts to my consumer report without my written permission also without advising me that they will disclose it on my consumer report. Nor did they give me a option to opt in or out of it being reporting. I was misadvised for their own interest. They have broken several of my consumer rights according to consumer laws. One law in particular that they broke was ... ... 18 U.S.C 1028A ( Aggravated identity theft ). Thats just naming one. I have written them several times about this unfair and unlawful treatment and nothing has been done. They have yet to send proof of how I owe this debt, instead they send a letter saying is verified. I did not ask them to use my personal information to verify these accounts but send me proper documentation that this debt is valid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The primary address on the credit report is not mine. If any of my account representatives sent mail to that address it would not get to me. I need the 2nd address to be the only address on the credit report.

There are multiple names and variations of names on the report. only 1 of the names is my legal name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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