BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-18
Company: Klarna AB
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/XXXX I tried to make a purchase they were quoted me one price but when I went to go check out they change the price. Ive been doing business with them since 2021. So I called them because Ive never had that to happen to me before & I have {$400.00}. XXXX  purchase. When I spoke with the representative he told me that they do credit checks every time you make a purchase. Ive never had a problem and Ive always purchased through them. And they never informed me that they were doing credit checks and I never authorize anyone to check my credit..they had my debit card they knew that the money was in my account. Once I told him that I never received anything stating that they were checking my credit and I never authorize them to check my credit. When I hang up that they denied my purchases and refuse to allow me to use the service and wiped out all of my purchasing power.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I am consumer, submitting this complaint against XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX having received noticed that my Truth in Lending Act 15 U.S.C. 1602 credit card was suspended in violation of FDCPA 15 U.S.C. 1692e ( 4 ) The representation or implication that nonpayment of any debt will result in the... seizure... attachment, is lawful and the debt collector or creditor intends to take such action.

The debt collector As a result of unfair and deceptive debt collection practice I have been unfairly treated and impacted negatively by parties relying on unauthorized consumer reporting to organizations such as XXXX. XXXX XXXX XXXX is a debt collector engaged in deceptive, unfair and unconscionable, unauthorized practices in violation of the fair debt collection practices. The organization has improperly used the term XXXX in conflict of the Fair Credit Reporting Act and the Equal Credit Opportunity Act. 
The debt collector alleges a debt of XXXX deceptive in violation of 15 USC 1666d ( 1 ) in absence of requested verification by authentication or verfied judgement Pursuant to 12 CFR 1016.15 ( a ) ( 1 ) I revoke the consent and direct debt collector ( s ), pursuant to FDCPA 1692e ( 1 ) ( 2 ) including XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX to cease communication and desist use of personal information and any and all injurious negative information, as right to opt out. The report has impacted me negatively in 1692 ( a ) ( 1 ), as I have lost my job and unable to work due to suspension of consumer credit device issued by state of florida XXXX XXXX. XXXX was instructed to delete all my personal information in accordance to 15 U.S.C. 1681b ( a ) ( 2 ). 
XXXX XXXX XXXX is the original creditor. 
This is an attempt to collect a debt from a debt collector and any information obtained will be used for that purpose.

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 2017-02-24
Company: College Foundation, Inc.
State: SC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I saved up {$35000.00} to pay off the remainder of my student loan in full in XX/XX/XXXX. They said they would send me a statement that my loan had been repaid in full. Now that it 's tax season ( XX/XX/XXXX ), I logged back into my profile page to find the XXXX. It was nowhere to be found. I called and after a fifteen minute wait, XXXX answered my call. I asked why my neither my XXXX nor my loan payment statement from when I 'd paid it off had been mailed to me. She claimed that both had been mailed to the correct address and that my online profile would n't display any pertinent information because I 'd had the gall and audacity to pay off my loan and my online features were now blocked ... We confirmed and reconfirmed my address. Every other account and employer has been able to get me my documents via the mail except for this institution. It 's highly improbable that BOTH documents would 've gotten lost in the mail. Because I never received the paper in my hand stating that my loan was satisfied, I have anxiety to this day that there is still some kind of unsatisfied balance floating out there with accruing interest. And because they 're unable to get me a XXXX in either the physical or electronic form, my taxes may suffer. This is an official complaint against COLLEGE FOUNDATION OF NORTH CAROLINA for their incompetence, sloppiness and mistreatment of patrons who are in good standing.

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 2015-10-31
Company: Paypal Holdings, Inc
State: DC
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
PayPal requires users to link a bank account to the Paypal account. Users also have the option of linking a credit card account. In the past, PayPal has always made the bank account the primary/default funding source for payments. I believe this is because PayPal can deduct 3 % of the payment to keep as a fee for itself ; by contrast, when users pay with a credit card, the card issuer imposes a 3 % fee and I suspect that PayPal does not get a 3 % fee. 
Today, XXXX XXXX, 2015, PayPal changed its system so that users are tricked into making payments funded by their checking account, without providing them the option to fund the payment from their credit card account. If there is a place on the approval screen where users have the option to pay with their credit card, it is so well concealed that I did not notice it. So I ended up making a payment with my checking account even though it was my full intention, as it always is, to pay with my XXXX card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: NAVY FEDERAL CREDIT UNION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/XXXX Navy Federal confiscated $ XXXX out of my checking account due to a minor checking account I was associated with with my daughter. My daughter and other branch member have contacted the bank and have made them aware of the wrongfully inputted info and have waited the QUOTED 15 days for the dispute/security department to investigate the matter and they have not returned with an answer. This process has called me stress in trying to figure out how to suffice for income loss.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
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: Credit inquiries on your report that you don't recognize

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2017-03-22
Company: Army and Air Force Exchange Service
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My tax return was has been garnished twice for a total of about XXXX dollars for a debt from 2007. Last month, XXXX XXXX incorporated sent me notification stating I owed them XXXX, I called and asked them why I have not once received notification prior to this latest letter regarding the debt, they stated they send one out annually. I 'm blown away that they can double the debt and collect on something over 10 years old and never send me anything stating I owe them money. The debt does not show on my credit report either.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I noticed on my XXXX  and XXXX  credit reports a completely invalid debt from Wakefield and Associates. As per my credit report this illegal debt is from XX/XX/XXXX. I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the FTC and XXXX  because to my knowledge I do not recall any of this account. I need this problem fixed ASAP. I will not wait another 50 days to receive no response because clearly I am being ignored. I demand this account be deleted immediately or I will file for litigation due to the stress I have been caused. Section 611 ( a ), it is plainly stated that a failure to investigate this item within 30 days gives a reason to immediately remove said item from my credit report it has been 50 days so they should be deleted promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: IL
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 list of accounts below has 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 XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX has violated my rights 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 an 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 response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: JPMORGAN CHASE & CO.
State: SC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I was making payments on my private student loan with Chase which i was paying the monthly total every month and my income changed where i was not working anymore and i called them to see if they could lower my payments or help me with my financial hardship and they told me NO there 's nothing can do about. They also where being switched to XXXX and i received a letter in XXXX saying that my account was being switch to another lender on at the end of XXXX and i was trying to make payments online but my account was nowhere to be found so I called and they told me that i neede to contact XXXX and when i called them they said they did not have an account for me at all so i called back to chase they said the reason they could not find my account is becuase it was sent to collections. I was paying what i could every month and they still sent me account into default for non-payment. If you see that i am sending a payment every month, even though it not the whole amount, why would they send my account to default if I 'm making a small payment. My payments are about $ 96- {$98.00} a month and i was sending {$100.00} ( a little extra ) and then i could n't make the payments so i started sending {$25.00}, {$30.00} or {$50.00} a month. THEY HAVE NO SYMPATHY FOR PEOPLE WITH FINANCIAL HARDSHIP AND DO N'T WANT TO HELP NO ONE. All they are worried about is getting their money but if was them they would want help too with financial hardship. If anybody ask about Chase, i would tell them do n't get a student loan from them because they will not work with you during financial hardship and i wish i never dealt with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: MS
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
MERCHANTS CREDIT GUIDE is aware that I refused to pay the alleged debt they say I owe. MERCHANTS CREDIT GUIDE is aware that the alleged debt is a result of identity theft. MERCHANTS CREDIT GUIDE has been requested to cease and desist all collection efforts through all mediums. MERCHANTS CREDIT GUIDE has also been requested to cease and desist communication through any mediums including credit reporting agencies. 
MERCHANTS CREDIT GUIDE was notified in XX/XX/2022, XX/XX/2022, as well as XX/XX/2022 about the fraud taking place in this transaction. MERCHANTS CREDIT GUIDE continues to harass me for payment yet hasnt provided the following : A. Original Account-Level Documentation B. A chronological listing of the names of all prior owners of the Debt and the date of each transfer of ownership of the Debt, beginning with the name of the Creditor at the time of Charge-off, if Respondents are initiating a Collection Suit on behalf of a Debt Buyer C.A certified or otherwise properly authenticated copy of each bill of sale or other document evidencing the transfer of ownership of the Debt at the time of Charge-off to each successive owner, including the Debt Buyer on whose behalf Respondents initiate a Collection Suit. Each of the documents evidencing the transfer of ownership of the Debt must include a specific reference to the particular Debt being collected XXXX. A document signed by the Consumer evidencing the opening of the account forming the basis for the Debt ; or ii. Original Account-Level Documentation reflecting a purchase, d.

payment, or other actual use by the Consumer

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Santander is currently reporting an account that was XXXX in XX/XX/XXXX on my credit report. There have been several attempts to get the account removed from my credit report without any resolution or response from Santander. 

As you can see in the attachments, Santander just settled a Class Action case in XXXX, for Deceptive/predatory lending practices. According to the agreement, my debit is to be forgiven and the account status updated to positive or the account to be removed from my credit report. 

After reviewing the Deceptive Auto Loan Practices CLASS ACTION SETTLEMENT WITH SANTANDER CONSUMER USA. This is a direct violation on the settlement agreement. Because of what they agreed settlement this needs to be corrected within 30 days of receipt of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am the victim of identity theft. 4 years ago, I discovered this when I was purchasing my 1st home. All the fraudulent accounts went to collection, and I had to file a police report and send all of my identifying information to all 3-credit bureau 's which included my drivers license, my professional work license, my social security card, my birth certificate, and a utility bill. Each time a collection company tries to reach out to me I inform them of the identity theft. Unfortunately the companies just sell the information to another collection agency. On XX/XX/22 I received an alert that there was a collection on my credit file. I immediately reached out to the company who stated a debt was owed for {$260.00} dollars but was not in my name the debt has my 1st name XXXX, but a different last name " XXXX XXXX '' a name I have never went under. My name is XXXX XXXX, I have never went by the name XXXX XXXX. I made this company aware of the identity theft and using a fake last name with my social security number. This company has never reached out to me before they flagged my credit report. I have reached out again to all 3-credit bureau 's again and reported this account as fraud. The representative was rude and dismissive and ended the phone call with me. I do not owe any current debt with this company. I asked the representative who the original debtor was so I could reach out to them to inform them that this account was open under fraudulent premises, but she would not let me know and ended the call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-06
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have a debt from 2008. Asset acceptance LLC bought it and I never knew this. I received a wage garnishment from my employer in the mail. I have never received anything, no phone call, no letter, nothing from them about this debt. I think I should have received something from them before I was hit with the wage garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
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: Information belongs to someone else

Complaint:
Difficult to contact Transunion about a credit card that was open fraudulently under my name without my knowledge.

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 2015-07-15
Company: Paypal Holdings, Inc
State: OR
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
ran my credit report recently and saw XXXX inquiries I didnt not authorizeboth are from XXXX - I have had a paypal acct in the past, but havent used it in years, nor having any desire of opening any credit line with them, yet they automaticaly authorized a check on my credit for both XXXX and XXXX ... .I am super annoyed as I am trying to rebuild credit and dont need these on my report! 

Lender Type Date Reported ByXXXX/XXXX XXXX XXXX XXXX, 2015 XXXXXXXX/XXXX XXXX XXXX, 2015 XXXX

Company response to consumer: Closed with non-monetary relief