BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I was looking to purchase a camera on XXXX XXXX. It was listed for {$200.00}. I thought the price was reasonable and since the seller provided multiple pictures of the camera, and even a picture of the serial number upon my request, I thought that the seller was selling a legit camera. The seller then asked me if I can pay with XXXX. Being my first time using XXXX XXXX  and since I used XXXX in the past, I didn't think it was something concerning at first. 

After exchanging basic information such as shipping address and name, I sent {$200.00} to the XXXX  account, with a shipping fee of {$45.00} to the account the seller specified. Immediately, I got a text saying that the XXXX  transaction was " declined '' ( Later I realized that they spoofed a Bank of America no-reply phone number and the transactions were never declined in my bank account. Hence the quotes ). I then tried sending the same amount to another account the seller specified. For some reason, only part of the fees went through and the other part was " declined ''. The seller also tricked me by refunding some fees back, acting like he wasn't scamming me. 

After a series of back and forth transactions, the seller wanted me to transfer through paypal. At this point, I already knew I was scammed. To put it to the test, I intentionally transferred the amount through the seller method in paypal, which had buyer protection ( I got my money back from paypal, but not from XXXX/BoA ). The scammer kept saying that he will refund more money if I give him more which I already knew it was a lie and called him out for that. The seller then got very furious and we got into a heated conversation which further verifies that he is actually scamming me. In total, I was scammed {$530.00}. 

That afternoon, I called Bank of America immediately and described my situation. They filed my case and told me to wait for the results. On XX/XX/2022, I got a letter saying that they were unable to approve my recent claim and I had to wait another 45 days if they have any additional information ( document linked down below ). I tried going to the nearest BoA and was told that they weren't able to help me since it's a XXXX issue. I also tried calling the phone number on the claim and every time I was transferred with no one on the other line. Despite my efforts in trying to receive my money, I wasn't able to get a hold of anyone from BoA that can assist me with my claim. 

**The scammer changed their name and tried to hide their tracks by removing the chat logs, but I have it downloaded before it was deleted.

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 2023-02-28
Company: Experian Information Solutions Inc.
State: FL
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 to Fair Credit Reporting Act, the following accounts have 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 15 USC 1681 Section 602 A, states I have a right to privacy.

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or 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 2019-07-24
Company: WESTERN UNION COMPANY, THE
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Unexpected or other fees

Complaint:
I purchased 4 money orders from Western Union XX/XX/XXXX at a XXXX grocery store in Oregon. I then mailed these 4 money orders to the IRS for payment on my 2018 taxes. All 4 of these money orders were rejected by IRS with a 2287 tax form " refer to Maker ''. The money orders were rejected for non sufficient funds I was told when I contacted the IRS. I then called Western Union and was told that I would need to fill out a money order customer request and they would see if they needed to reissue new money orders. In the mean time I have penalties with the IRS for the NSF money orders that Western Union will not pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: Genesis Credit Management, LLC
State: WA
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:
I received a notice from XXXX that a new collection appeared on my Credit Report from Genesis Credit Management. This is the third time it was sold to a different collection agency because the other two had no information to properly validate the debt, so they changed the dates and the account number and sold it to another unsuspecting debt collection agency. It's been to XXXX XXXX XXXX, XXXX XXXX XXXX and now Genesis Credit Management. 

Genesis did not send me the proper notification before it reported on my credit report. The day I was notified that it reported on my credit, I sent Genesis a request for validation and I disputed the account with all 3 credit bureaus. 

Genesis " verified '' the information with all 3 credit bureaus before responding to my request for validation. 

I received a response to my Validation Request on XX/XX/2019. They sent a letter claiming that I owe them a debt and attached was a one page, half computer generated, half handwritten report that did not include my name, birthday, address or any identifying information. It also did not include the name, address or contact information of the " original creditor '' - leading me to believe this company is blatantly committing fraud and willfully non compliant with laws that govern their compliance. 

They also did not prove that they own the debt, that the debt was valid. But, in their invoice, they added {$2000.00} in collection fees/interest - which is not legal unless they can furnish the original contract that states there will be interest and collection fees. 

This company is practicing Illegal Debt Collection Practices, hiding under the guise of different names & DBA 's to trick consumers and prosecutors. Please refer this to the FTC and  Attorney General to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: SYNCHRONY FINANCIAL
State: MS
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 do not have a XXXX XXXX XXXX credit card but, there is an account showing on my credit report from Synchrony Bank. 

Please remove this account from my 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
Consumer complaint received 2023-10-02
Company: Maximus Education, LLC dba Aidvantage
State: VA
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 have attempted to contact Aidvantage on nine separate occasions to get information regarding my loan and why my monthly payments were adjusted. I sent two emails that I never received a response from, spent 3+ hours on the phone over the course of two calls where I was hung up on the first one, and then the second call I was promised an investigation and response within three business days along with a terms sheet for their offer of lowering my monthly payment. I was not contacted again, and called a week after three times and each of those calls were disconnected by Aidvantage before I could even speak to someone. I got a response to my first complaint claiming I was informed my monthly payments were adjusted, but they have provided no evidence of that nor have they provided the requested terms sheet for the offered lower monthly payments. When I attempted to contact Aidvantage to speak to them about their response, using both phone numbers they provided in their complaint, it said their offices were closed despite the fact their own website says they are open until XXXX today and it is only XXXX. I am requesting to be provided evidence I was informed my monthly payments were changed, as well as the terms sheet on what exactly I would be agreeing to with the offered lower monthly payment. Until received I will not be making payments, and since Aidvantage is unable to properly service my loans if they negatively report to the credit bureaus I will be pursuing legal action for violation of the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: EQUIFAX, INC.
State: IN
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:
In accordance with the Fair Credit Reporting Act ; XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights 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.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 enforcing my rights required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 2023-10-11
Company: EdFinancial Services
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I called ED Financial on XX/XX/XXXX to find out if I could adjust my payment as I do not have a job at the moment. I found their information in my XXXX XXXX app as they never sent me anything about taking over my student loan that XXXX previously had. They quoted me {$180.00} per month or a possible new payment savings of {$170.00} per month. Hmm {$6.00}. That was fairly substantially more than what I was paying before. Only other option was a balloon payment. I asked about not being notified when they took over the loan she said it was XXXX of XXXX and I could just log on to their website and put all of my personal information in and I would get an account number. In this day and age are you kidding! They ask for your social security number constantly or an account number which of course I dont have. From the lack of communication, not protecting private information, and a payment that is much higher. I am not happy with this company.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hello, please see documents attached for more details. I hope you can help me.

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 2021-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into 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 explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, 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 was a victim of the Equifax data breach please delete these accounts immediately : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX attached is a screenshot where I put my name and last 6 of my SSN and was notified I was a victim of this incident. 

Best regards

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-12
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 have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions 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 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 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: EQUIFAX, INC.
State: IL
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:
This company has violated the USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C 1681g and 15 USC 1681 a I demanded attention from a live representative to fully investigate fraud information on my report. I relied on this company to verify complete and accurate information. I have yet to receive any documentation that I owe the company listed. Im trying to rent and was recently denied because of the damage on my report this is a defamation of my character. Im currently homeless and this company is violating the laws by reporting false and fraudulent information. Ive been disputing since XXXX asking what did the company send to prove it was me. I want the fraudulent and in accurate accounts removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12
Company: TRUIST FINANCIAL CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I got a loan for a car back in 2016, I had some issues and they offered extensions. Recently my car got totaled and my insurance company paid them XXXX and some change. They were notified and still kept charging XXXX dollars a day in interest making it almost impossible to pay back! I really dont know how this is even legal! The cars been more than paid for the loan and what its worth! Its honestly disgusting this has been allowed in XXXX and theyre doing to send back every payment made but not how much it all adds up to be!!! Which Im sure is all they are going to rebuttal.

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 2021-04-10
Company: Paypal Holdings, Inc
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Paypal acts as an intermediary that claims to have " Instant Transfers '' as they are even titled this at the transaction level on my bank statement. A quick XXXX search will even bring you to their webpage where it is written " An Instant Transfer is a way to send money or make a payment from your bank account instantly using PayPal. '' However, on 7 different occasions this year, an account that I use to pay a handful of bills and keep a low balance on has been overdrawn by paypal instant transfer transactions that are not reflected in my banking history until days later ( on a delay ). I would think the average consumer can reasonably assume that an instant transfer means that it will come out of your account the same day. That being said, I would recommend the CFPB review this for potential UDAAP Violations. As it sure does seem to be misleading and deceptive in regards to the verbiage used on their webpage ; leading to material customer harm in the form of potential NSF fees. 

Just some context, I bank with XXXX and if a transaction occurs that happens to overdraw my account I get text alerts with every single type of transaction - with the exception of paypal. Paypals transactions all reflect in my banking history on a delay but with a posting date of the date the transaction occured. Since they do not actually show until days after the fact there is not chance to fund the account in the event of an overdraft. I have contacted Paypal on this, as I have incurred 7 NSF Fees totaling {$210.00} and they refuse to do anything about it and keep referencing their legal agreement which does not speak to this issue. 

Additionally, Paypal charged the wrong card for 2 of these transactions. I reached out to them and even disputed the charges because I did not authorize payment on the card that was charged. Paypal has denied my dispute but has not closed the case with the merchant.The result is, that the merchant will not refund me for the returned items. My understanding is that this is a Reg E Violation in that all disputes are required to be either closed or a provisional credit issued within 10 days of the dispute. I opened my dispute on XX/XX/21 and while paypal case handling tells me the case is closed - the merchant wont refund my returned items because they are indicating that paypal hasnt communicated the result of their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Zenith Financial Network Inc
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I've received approx. 12 calls from this company in one day. 
After I spoke with 2 people today, Friday XX/XX/23 and requested the mailing address so that I can send a validation of debt, my request was denied. I also asked the name of the creditor or merchant of this said debt ( NOT the bank the supposed credit card was issued by ) and that information was not provided either. I have never received any notification from this company via mail, either.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-18
Company: EdFinancial Services
State: KS
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:
No one is available at Ed financial to take a call return calls. Hold times are over 4 hours long and no one I available through chat. I have made daily payments in the amount of {$5.00} on my student loan. Some days {$1.00} I is applied to interest on other days the whole amount is applied to interest. Based on the interest calculation rate on the EDfinancial site I am overpaying on interest. There isn't an option to apply overpayments or payments directly to the principal. As of XX/XX/18 two loan which I paid off years ago are showing on this account. They show a {$0.00} balance each. An interest rate is shown in both. I can not get into contact with the servicer to understand and correct the issue with paying more in interest than the interest rate.

Company response to consumer: Untimely response