BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-27
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On the morning of XX/XX/XXXX I get a notification on my XXXX report of a derogatory remark from a XXXX XXXX XXXX stated that I owe a balance of {$500.00} from a First Cash. I called this company and spoke with a XXXX XXXX who was very rude and unprofessional. When speaking with him about this account I informed him that I have not done business with First Cash since XXXX and my account was settled and paid in full back in XXXX. XXXX stated that I owed the balance and as he was checking his records he noticed I have a second account from first Cash in the same amount of {$500.00} and I asked when was it taken out he stated this month XX/XX/XXXX he wouldn't give me an exact date. I explained that I would like the item removed from my credit report and that you will not get a dime of money from me with this SCAM! XXXX said the only way to have it removed is to pay the amount. After my call with XXXX XXXX I tried to contact the company that he was referring to and it is no longer in business. My issue with this company is that I had the same problem with them last year ( XXXX ) in XXXX reporting false information on my credit report about this same balance of {$500.00} from the same company ( First Cash ) and I submitted them paper work ( paid in full letters ) of the balance being paid in full. I got the issue resolved and the false information removed when I contacted the bureau submitted the same paper work I submitted to XXXX XXXX ( paid in full letters ) as well. I'm getting very bother by the fact that this company, that is a SCAM can report false information on my report which is a big in convince when I have perfect credit and is in the process of doing business transactions where my credit plays a major part for my business! Therefore at this point in my life if I needed to borrow money I can go to a bank to do so! being a business owner. These people are very RUDE! and so unprofessional and they need to be STOPPED! with these scare tactics to give them your money. I would like for this company to be investigated! We are in one of the largest Crisis in history COVID-19 and you have a company trying to collect on accounts that have been paid when you have legitimate company 's that aren't even harassing individuals or trying to collect money from people with real accounts. I want it to stop and I want everyone to Know that XXXX XXXX XXXX is a SCAM! and please beware.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: MoneyLion 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: Account information incorrect

Complaint:
MoneyLion was removed from all 3 major credit bureaus because I have no knowledge of the debt that they are claiming that is for me. After being removed from my credit report the company requested that the information be reinserted. According to the fair credit reporting act, section 609 they are required by federal law to verify, through the physical verification of the original signed consumer contract, and all accounts posted to my credit report. They are reporting false information to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: Go Capital Holdings, LLC
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am the Consumer and Natural person and my rights has been violated.

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 2018-11-28
Company: Experian Information Solutions Inc.
State: NY
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:
I notice my credit score fell by over 60 points, upon checking my credit I realized that there was incorrect reporting of a late payment in XX/XX/XXXX on one of my XXXX XXXX account. I have three accounts with XXXX XXXX and base on my history there has never been a late payment on any of the 3 accounts. 
XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Credit Card - Revolving Terms Account Status : Open Monthly Payment : {$25.00} Date Opened : XX/XX/XXXX Balance : {$680.00} Limit : {$750.00} Past Due : {$0.00} Payment Status : Paid or paying as agreed CREDIT CARD

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 2020-04-27
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
At XXXX today, I received a letter from Chase titled " Thank you for your interest in a Chase credit card. '' Since I did not apply for a credit card, I disregarded it as spam since I did not apply for a Chase credit card recently and already have one. However, there is an inquiry on my credit pull from them on my credit report now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-26
Company: BAM Management US Holdings Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
This concerns Binance.US. On XX/XX/21, I mistakenly sent the incorrect cryptocurrency to my Binance wallet. The currency in question now has a market value of over {$40000.00}. This represents a large portion of my investment portfolio. Since, the cryptocurrency I sent is unlisted, they now refuse to reverse the transaction. In effect, they have access to the asset, but for technical reasons refuse to send it back. If a bank accidentally put money into my account and I refused to give it back, Id be charged with theft. Many consumers have complained about the inability to recoup unsupported assets that they have mistakenly sent over. This is a big issue with both Binance and XXXX. The fact that a company can refuse to turn back over property mistakenly sent should be considered a crime. People are going to make mistakes. They shouldnt lose their livelihood because a company refuses to turnover the individuals OWN property. I understand a fee being charged for the reversal, but refusing to do so at all is unacceptable. I am simply asking the individuals at Binance to return the incorrectly sent asset and allow me the dignity of being able to take care of my family. I have attached the XXXX to show the transaction from my account to the Binance Wallet. Again, this happens to so many consumers and we have no way of fighting back as these companies dont seem to have an rules that stops them from completely running us over.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
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: Investigation took more than 30 days

Complaint:
I sent certified letters to Experian on multiple occasions requesting original signed documentation to verify the following : XXXX - Not my account XXXX XXXX- Not my account XXXX XXXX - Not my account XXXX XXXX- Not my account XXXX Bank- Not my account XXXX XXXX- Not my account XXXX  XXXX XXXX - Did not authorize this inquiry XXXX XXXX - Did not authorize this inquiry XXXX XXXX XXXX XXXX - Did not authorize this inquiry XXXX XXXX XXXX XXXX - Did not authorize this inquiry XXXX XXXX - Did not authorize this inquiry I asked them to send me original documentation supported with my signature and other forms of proof tied to me. I have received nothing, nada, zip. It has been over 2 months and still no response.

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 2020-07-28
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX I am a retiree living in XXXX, DE, trying to refinance my mortgage to save {$200.00} a month - but Experian froze my credit report and refuses to remove the freeze, unless I send a written request by USPS - my mortgage bank needs my credit report NOW - not next week. Itried to contatc Experian, but XXXX and phone customer services keep taking me round and round without ever connecting me to a live voice - I probably placed the freeeze two years ago following the famous data breach at Experian - Experian wants me to prvode an ID number given to me at that time ... I dont have it. Exoerian wont furnish it without written request! This is customer service nightmare!

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 2021-10-26
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone stole my personal information and applied a Bestbuy credit card. But the address that the person used to applied the credit card account wasn't my address. It was my sister 's old address ( My sister moved out from this address since last XXXX but she goes to pick up letters from the old address periodically ). The credit card was mailed to my sister 's old address and my sister informed me on XX/XX/XXXX that I had a credit card sent to her old address. I was shocked because I never apply any credit card recently and I called the # on the back of the new credit card and informed the representative that it was a fraud and requested the credit card to be cancelled immediately. The representative confirmed me my personal information and cancelled the credit card and give me another phone # XXXX to call the coming Monday to place credit alert on my credit report. I was told the fraudulent amount is about $ XXXX.The representative also told me this will be investigated by the ID Theft department and the result will be mailed to me within 30 days. 
I placed freeze request on credit report for 3 credit bureau immediately after the call. 
I also called the investigation department on XX/XX/XXXX by XXXX. I also told the same thing. This issue is under investigation and result will be mailed to me within 30 days. 
Besides that, I received credit card denial letters from XXXX and 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 2019-06-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have constantly received phone calls from this organization with different phone numbers. I received a phone call on Sunday at XXXX XXXX   local time. I confronted them how I believed this to be illegal. They hung up on me. They attempted to reach me today and would not verify who they were until they tried gathering information from me. When I would not verify any personal information because I did not know who they were, the woman began to get argumentative and rude to me. She finally stated she was calling from Portfolio Recovery. I responded back saying that it was illegal not to identify that it was an attempt to collect a debt from the very beginning in the conversation. She kept arguing with me and stating that I was wrong. I am tired of them calling from different numbers on a daily basis. I tried resolving this a year ago, and they would not work with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-27
Company: JPMORGAN CHASE & CO.
State: CA
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:
Theres is a chase account that has a balance of almost {$25000.00} show on my credit bureaus and is showing delinquent and 150 days past due. Ive never had any knowledge of this account ever yet I been in contact with chase and even issued police reports and they want to hold me liable for this account. 

I never benefited once from this account or have any knowledge for why it was being used till it reported to my credit. I been trying to fight this for a year and remove it off my credit but chase isnt helping me at all to remove it. 

This is horrible that my credit has been ruined over this credit card thats not mine and i sent plenty of proof it wasnt mine nor opened by me yet chase wont listen

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2021 there was a fraudulent transaction on my Paypal account for a ticket purchase. I immediately reported it to Paypal and I received an email confirmation from them that my report had been received, that no payments would be made to the seller in said transaction and they also sent a transaction cancellation confirmation. Then PayPal attempted to fraudulently ( without my authorization ) move funds from my bank account to my PayPal account on XX/XX/2021 and when my bank denied it, PayPal then attempted ( again without my authorization ) to fraudulently charge my debit card on XXXX XXXX. 

After their fail attempt to move funds they put my Paypal balance account on the negative for the amount of the fraudulent transaction reported, {$1100.00} and started deying my cases without ever providing any evidence of the transaction not being unauthorized. 

After several weeks, Paypal finally accepted my case and on XX/XX/202 through their message center they wrote they were accepting the transaction as unauthorized and were going to fully refund my account. 

We are now on XX/XX/2021 and my account is still negative as it shows I owe the amount of said unauthorized transaction. 

I have made contact again through their message system and they continue to not act on this claim and on their promise to refund me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-07
Company: EQUIFAX, INC.
State: FL
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:
I filed a dispute regarding a collection account for {$17.00} with XXXX and XXXX a few months ago. Theres been no follow up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: Navient Solutions, LLC.
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Im supposed to be granted a 6-month grace period, a window in which they persist to call and harass me. My family and I quiver by the answering machine as they mercilessly continue to shake me down. I would have never expected the effects of my student loan experience to carry over to my family, or cause us this much emotional distress over the holidays.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: BBVA FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I tried to open my account on line on or about XX/XX/XXXX a process that usually has taken me about 30 minutes with several other banks. The first problem occurred when they would not accept my ACH transfer. This was finally accomplished on XX/XX/XXXX because I had to deal with many obstacles & phone calls had to wind up using snail mail twice. At that point, I already had so much time invested I continued to move forward. Once the account was established, I found out through one of the many calls I had to make that the rates & bonus were not as advertised.I spoke with " XXXX on XX/XX/XXXX about all my issues. 
I was so disgusted, I began the process of closing my account. I spoke with " XXXX '' on XXXX about it & indicated I would file a complaint. Because of so many obstacles & requirements, I again had to mail in the request to close my account which I did on XX/XX/XXXX. I also sent a follow-up email concerning my dissatisfaction on XX/XX/XXXX. I received e-mail from XXXX XXXX on XX/XX/XXXX requesting yet more info to which I replied the same day. I left follow-up calls to her voice mail on XXXX & XXXX indicating that if I did not receive my funds by mail or a return call, I would be filing a complaint. My account in the amount of {$16000.00} is still open as of this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Experian Information Solutions Inc.
State: AR
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 went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX {$1600.00} XXXX XXXX XXXX {$2100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Upon reviewing my current credit report from Experian, and XXXX  are both in violation of FCRA rules section 1681. 

Disputed account : XXXX XXXX XXXX XXXX Please see attachment ; : Violations ; for currently reporting inaccurate balance, high balance, payment amount, & payment history after account has been closed.

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 2021-06-10
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Date XX/XX/2019 To : Transunion Re : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX To whom it may concern : I am seeking to validate inaccurate information appearing on my credit report and thereby I am asking this to be removed as set by law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, LA XXXX USA # XXXX**** Date of last activity made of this account is well above the 7 year mark and by law must be deleted form credit file. 
Inaccurate information on payment status. Payments showing 90 day late period with no 60 day late period. This is impossible and inaccurate. 
Please investigate my account in addition to the furnisher of this information along with forwarding this letter and all relevant enclosures to the reporting company and a copy to me for conformation of your actions. 
Please do not merely contact the company electronically without providing a copy of this letter and all relevant enclosures. 


Cordially

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