BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-21
Company: Winklevoss Exchange LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I deposited money into GEMINI TRUST App on XXXX by creating an account which it is holding indefinitely and not allowing me to move, withdraw, add to, or reinvest, because it's awaiting " verification '' which was supposed to take 2 weeks. It's been months. Multiple attempts to reach the company have gone unanswered, and the money sits in an account that GEMINI holds that I can't use. I can't do anything. I want it resolved so I can get the money out. It feels like fraud. I've lost money over the time that it's sat in the account because the market is shifting and GEMINI won't let me use the service as it advertised. They're just using my money for their ledger.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Recently, I did an investigation on my credit report which cause severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. Im accordance with the fair credit reporting act everything has to be 100 % accurate on my credit report and under 15 U.S code 1681e ( b ) and 15 U.S code 1681 i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-02-23
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Since XXXX last year credit drops XXXX points, back up XX/XX/2023 and again XXXX XXXX, 2023 XXXX points down. Reach out to credit bureaus and being told to get a financial advisor as they just explain the factors. Credit has not have any drastic change, if anything should be positive as an old account was removed and balances lowered. I need this to be verify as I can never be at peace knowing my credit score is accurate or at least I am being informed of any changes. I understand 5-10 even 15 but XXXX point is just concerning and they really do not help.

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 2023-01-18
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2018-10-01
Company: Accelerated Receivables Management, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2018, I was contacted via telephone by XXXX XXXX, from XXXX XXXX XXXX. She indicated I had a debt in her office and the original creditor was XXXX XXXX XXXX. I advised her I didn't know who they were. I had seen them on my credit report before. She advised me that even though the original creditor was XXXX XXXX XXXX, the debt from XXXX XXXX was from XXXX XXXX XXXX. She said she had the contract with my signatures on them and would email them to me that same day which she did. I then advised her, there is another collection agency reporting on my credit report for this same original creditor ( XXXX XXXX ). She, XXXX, said there shouldn't be another agency looking to collect for this same debt. I told her I would review the materials she sent and act accordingly, end of that conversation. The collection agency XXXX XXXX XXXX XXXX has listed themselves on my credit report as collections for the amount of {$2000.00}. Now the issue I have is Accelerated Receivables is also listed on my credit report in the amount of {$930.00} and the original creditor is also XXXX XXXX XXXX. I have carefully reviewed both contracts that each collection agency has sent and it appears they have taken the contract and split it in two. Both contracts are signed the same day and in section 4 of one of the contracts, the payment amounts are the same. It also has the words written XXXX XXXX by the security consultant. One contract is for 33 months but the other says 36 months. Both contracts from each collection agency has my signature and date however the signature/date for the sales consultant is different on each contract. Under the FDCPA, two collection agencies can not collect for the SAME debt. 

I decided to cancel my contract as I didn't even own the house I was living in at the time and only contacted XXXX XXXX XXXX as the house I was living in was broken into 1 week after I moved in. After learning from the owners of the house they would not be responsible for the security system, I canceled the contract. I didn't make 1 payment. The company continued monitoring even with no payment made. 

I have attached a front copy of both contracts sent to me for your review. There appears to be abusive, unfair, and deceptive practices by both parties involved which is a violation of the FDCPA. When I asked for validation of debt, Accelerated Receivables only sent the top copy ( 1 page ) of the contract while XXXX XXXX XXXX sent the remaining pages of the contract.

Company response to consumer: Untimely response
Consumer complaint received 2020-06-01
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Purchaser is incarcerated and this is being submitted by his father, who has power of attorney over the purchaser 's affairs. Purchaser has never qualified for a loan without a cosigner in his life. He has heavy debt and is behind on child support. He was likely inebriated when the purchase was made. Somehow the XXXX XXXX XXXX Dealer in Missouri took possession of a XXXX as a trade-in, sold Purchaser a XXXX  XXXX XXXX for {$26000.00} and also issued Purchaser a {$30000.00} loan which was financed through Chrysler Capital. No doubt fraud was involved as no one can explain how this was legal. 

Purchaser never made a payment and was XXXX. He signed a power of attorney to his father. The father faxed the POA to Chrysler Capital months ago but Chrysler will not send the father the paperwork, return his calls, or explain how this loan ever got issued in the first place. He would like to return the car but can not get instructions on how to do this. A friend of the family who is an attorney has contacted the company but can not get answers either. The father is NOT a co-signer or co-purchaser but there was no other option on this electronic form.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: ERC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted this company several times and informed them that this account is not mines. I have also sent them a letter stating that this account is not of my knowing. If this doesn't get resolved soon i will be forced to use legal actions. Please remove this account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
Dear CFPB, I pulled my report recently, and I notice inaccurate information reported by TRANSUNION regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off in XXXX. 

TRANSUNION violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows High Balance {$26000.00}. A Charge Off/Close Account must show {$0.00} balance.

2. Delete this account, because it shows a Past Due Amount {$26000.00} and a Charge Off/Close Account must show {$0.00} Past Due.

3. Delete this account, because it shows Payment History reported  consecutively as Charge Off C/O in XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXXyear ; XX/XX/XXXXyear ; XX/XX/XXXXyear ; 30 days late XX/XX/XXXX ; 60 days late XX/XX/XXXX ; 90 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX. A Charge Off/Close Account must show NO Payment history or consecutively as C/O reported on my credit report.

4. Delete this account, because it shows Credit Limit {$24000.00} on a charge off close account.

Please delete this account, and send me a new report. I need to apply for a mortgage in 2 months and this is an urgent matter.
I have attached my TRANSUNION Credit Report and circled the violations, TRANSUNION violated in red color.

TRANSUNION must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: EQUIFAX, 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 recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: EQUIFAX, 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:
CEASE AND DESIST I, XXXX XXXX, consumer, and natural person, am aware of all rights I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). Your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. Your company illegally reported private information and sold it to other reporting agencies, including XXXX, Equifax, and XXXX. I did not grant your company permissible purpose to report it, and I have not been notified that this information is being provided to the highest bidders. The alleged debt was during a time in my life of struggle, medical issues, and mental anguish. I have since sustained further emotional and psychological damages because of your company 's unfair and deceptive practices. I am currently rebuilding my life, but your companys willful disregard of my privacy and its reporting has damaged my character and is hindering my ability to provide for my family. As the consumer and natural person, I am invoking specified remedy and make the following demands : - Cease and desist reporting Account ( Acct # ) *XXXX XXXX  # # # # # # XXXX *XXXX XXXX XXXX XXXX XXXX {$9300.00} - - - *XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} - XXXX XXXX *XXXX XXXX XXXX XXXX {$0.00} - - - *XXXX XXXX XXXX XXXX {$0.00} - - - *XXXX XXXX  XXXX {$250.00} - - - *XXXX XXXX XXXX XXXX {$0.00} {$0.00} *XXXX XXXX XXXX  via XXXX XXXX XX/XX/XXXX Inquiry *XXXX XXXX XXXX via EQUIFAX MORTGAGE SERVICE XX/XX/XXXX INQUIRY XXXX XXXX XXXX  via XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX INQUIRY *XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX STO via XXXX XXXX XXXX XX/XX/XXXX *XXXX XXXX XX/XX/XXXX INQUIRY to your consumer reporting agency. 
- Remove reporting from all consumer reporting agencies. 
- Provide acknowledgment of this official notification that I am opting out of your reporting. 
Do not report ANY information bearing my identification. 
Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA. 
Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I was placed with a temporary restriction ( Ref XXXX XXXX XXXX XXXX  on XX/XX/2023 when I received 3 payments on the same day as a personal payments. I think it is my utmost right to use PayPal as a payment receiving platform and I am allowed to receive personal transactions. 

Anyhow, Since I was being placed with a restriction, I had to provide with the right form of documentation and explanation necessary for the restriction to be uplifted. Disappointingly, in a spare of seconds, after completing the appeal steps, my account was placed with a permanent restriction. This made me as a user disappointed and disillusioned with the PayPal security system as I was not doing any gambling or any illegal activity with my PayPal account. Then how come my account must be restricted? Is this what we deserve as a consumer? 

I ask PayPal, if there were to provide additional information, I must have been asked first before putting in a restriction. Now who will be responsible for the {$2600.00} that is sitting in my PayPal with a permanent restriction without any certain reasons. I must mention that I have a personal account which is why I am literally confused what seems to be the problem. 

I must say that this act has left me astonished as I did not expect to be treated like this. 

I respectfully request the higher department of PayPal to restore my account access back to normal as I havent done anything wrong or to trick PayPal system at any stage. I am open to provide with additional piece of information if required. 

XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

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 2022-07-06
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I apply for truck, and received all these inquiries on my report, the salesman did not say he was going to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
American Express is not working with me to resolve this long over do issues and Im still being charged with excessive interest fees and excessive interest rates charges and cash advances I know nothing about even though it states XXXX balance but it also states cash advance activity on the billing statements for XX/XX/XXXX what is going on? And I been paying high interest fees and high interest charges to that cash advances noted on the billing statements. The months of XXXX and XX/XX/XXXX neither of those months on the billing statements had cash advances noted on the statements. The balances are incorrect and on XX/XX/XXXX pay overtime direct interest rate 17.49 percent balance {$11000.00} and promotional pay overtime direct balance {$11000.00} why do you have 2 pay overtime direct balances? This is double billing charge and double billing with fees and interest charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-04
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Back at the start of XXXX i called because my prepaid card was been declined at various stores in XXXX XXXX, they told me to use it a few times before they cancel the card, I did and not work I made an online phone bill payment, and the payment went thru after that I tried using it again and did'nt work. I called customer service they cancel the card and they were gon na send me a new one by mail. I did received a new card with a different number and my name in the card when I called to installed the card it said I had a balance of XXXX dollars my first balance was of {$500.00} - minus the XXXX of phone bill I still had more than {$320.00}, I called customer service and they said it seemed someone did fraud with my card, which made no sense because they told me they cancel it, and nobody was gon na be able to use it neither myself. They said they were sending a dispute form and it would take 90 days to double check, made no sense because I said that it was cancel that it was their fault. A few days later I received a letter that said that they had check and I didn't have to fill out a dispute that funds were gon na be in the new card. Once again I checked and had XXXX balance, I called the around XX/XX/XXXX and the representative said that funds were in the card that got cancel which also made no sense he said he could transfer funds and that it would take about 7 days to have it in my new card. I called like 10 days after and the representative said funds were gon na be there at the the next day. I called the next day funds were not there and they said that the call was on excavation all ready. I called Saturday again and the manager said the funds were still not there, that the department was close but took no calls anyways. 

I have called various times in XXXX they just put me on hold and never get anything resolved, they don't help me or try to get me somewhere I am tired of having to call and not having my funds and a bunch of lies from the team and management they should have everything in their records and seen where my card and funds are it has been since XXXX so tired of this.

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 2018-09-04
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
i have an XXXX XXXX XXXX car loan # XXXX XXXX for {$260.00} monthly and all 3 credit bureaus have removed or blocked from my credit file. I called and they said i disputed is as fraud and I DID NOT. I ASKED TO HAVE IT REPORTING AND THEY SAID THEY COULDN'T. I called the credit union and they said it was a credit bureaus issue.

I need this back on my credit as it is my account and i need it showing. Please get this fixed by having it report on all 3 bureaus I never filed any fraud dispute with this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, INC.
State: TX
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Central Portfolio Control Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX and Central Portfolio Control Inc. tried to collect a debt from me that I didn't owe. I sent over the creditors validation letter neither one of them Validated the debt in order to prove they were capable of collecting the debt in the 45 day allotted time given by the ( FDCPA ) Fair Debt Collection Practice Act. In fact, XXXX XXXX XXXX XXXX didn't answer back to my letter I sent them. Accordingly, to the Law when a collection company doesn't answer back with in 45 days they most stop all collection efforts and removed themselves from my credit report from all three credit bureaus.

Company response to consumer: Closed with explanation