BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-04
Company: Paypal Holdings, Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a debit card with venmo I had a 100 % of my check deposited into the account I went to pay my XXXX bill which is my bill for my cable as soon as I paid it I went to go pay a friend back who loaned me a {$100.00} a week before my account stopped they told me it was suspended and wouldn't tell me why that I had to read their 7 pages of pro XXXX pages of privacy but it doesn't tell me why my account was put on holder suspended called over after 45 minutes of speaking to the 1st person he couldn't help me the 2nd person transferred to a supervisor after an hour and a 1/2 After speaking the supervisor he said he would take care of it and get someone to get ahold of me by escalating it he sent me a form where I would send my driver 's license back which I did as soon as I was done doing that then he decided that he would say

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-04
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Radius Global Solutions LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My doctor 's office maintains an account with XXXX XXXX. Accordingly, many of my labs get process by virtual of sending my insurance information directly to XXXX. For some reason, even though the XXXX office process many labs with insurance information, they removed my insurance information claiming " guarantor responsibility ''. When I contacted my insurance XXXX XXXX XXXX  to verify coverage, I got informed that XXXX never submitted a claim for payment. I called XXXX several time with the insurance information. Finally, I contacted XXXX for them to contact XXXX. To date, XXXX fails to submit a claim for insurance coverage claiming that I do not have insurance albeit XXXX submitted several other insurance claims. I disputed this matter with Radius Global Solutions with both their addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( as shown on my XXXX credit file ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( as shown on my XXXX 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 2022-12-06
Company: Winklevoss Exchange LLC
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Hi- XXXX withdrawals ( Total USD {$2300.00} ) that I requested from Gemini on XX/XX/2022 have not been released yet even though in Gemini 's email to me, I was informed that the funds would be available within 5 business days i.e. by XX/XX/2022. 

XXXX XXXX {$1800.00} XXXX ETH {$280.00} XXXX GUSD {$210.00} Total USD {$2300.00} This is a clear UDAAP violation - the funds promised to me were not provided within the timeline promised. Please refund my funds at the earliest. Thank you! XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Collection Receivables, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or before XX/XX/2021, I went to XXXX XXXX XXXX  in XXXX, SC to work out for the last time before I departed for college in XXXX, SC. Since XXXX is XXXX hours from XXXX, I stopped at the membership counter on the way out and spoke to the XXXX 's employee. I explained that I needed to cancel my membership, and after the employee looked up my membership information, the employee told me that my membership " was taken care of ''. Now XXXX 's is claiming I owe {$910.00}!!! This is a very fishy tactic and I suspect they have done the same to many other people, especially since they closed the XXXX location in the last year. Please help me and others that XXXX 's may be treating unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: LEXISNEXIS
State: NJ
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:
My auto insurance company, XXXX XXXXXXXX, uses LexisNexis to establish an " insurance score ''. They keep showing two reason codes that are incorrect, XXXX - Number of accounts with bad debt in the last 24 months or derogatory public record or collections is 1 or more and XXXX - Insufficient information on bank revolving accounts. 
Both these comments result in me paying higher insurance premiums which is totally wrong! 
XXXX refers me to Lexis Nexis. Lexis Nexis refers me to the 3 credit agencies- XXXX, XXXX and XXXX. My reports with them are spotless. My scores as of XX/XX/XXXX are as follows : XXXX XXXX, XXXX XXXX, XXXX XXXX. 
There is incorrect info being reported from somewhere and nobody wants to investigate they all point fingers at each other. When I contact any of these companies, you can't get a live person on the phone, and the automated system only wants to send a report. I have the reports and there's nothing derogatory on them. 
I had a XXXX XXXX confirmed on XX/XX/XXXX and discharged on XX/XX/XXXX which is more than 2 years ( 24 months ) ago. In the three credit agency reports, they report me as having credit for 32 years and have not had one late payment in the last 2 years. 
I realize there's no incentive for XXXX  to discover they truth then they'd have to lower my insurance premium PLEASE HELP!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Collins & Hilton Asset Group, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
COLLINS ASSET GROUP , LLC is using my personal identifiable information to furnish negative items on my consumer report to extort me and to cause me duress in the collection of and extension of credit. I am demanding that COLLINS ASSET GROUP , LLC provide to me a legally binding contract / agreement showing all 4 elements that makes it legally enforceable, and that shows the contract is in the best interest of I, XXXX XXXX, the beneficiary. 

I the Beneficiary / Consumer and natural man ( XXXX XXXX ) am submitting this complaint without any influence from any 3rd party.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: CA
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 Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX XXXX - XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX bankruptcy dismissed reference # XXXX XXXX XXXX XXXX CALIFORNIA doc number XXXX XXXX XXXX Acoount # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXS Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: American First Finance, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On Tuesday XX/XX/2022, I visited XXXX XXXX aka XXXX XXXX XXXX XXXX. I was inquiring about a new set of tires and rims. XXXX XXXX helped me by answering my questions about tires and rims. We went through pricing and she verbally provided options for different repayments for loans. While I was there she had me fill out a 1 page document of basic PII information. Name, DOB, SSN, address, bank info, etc. 
she provided me with an approval amount XXXX. I was then asked to provide a code/PIN that popped up on my phone via text message. I provided the PIN number it was not until today XX/XX/2022 that I realized she had logged into XXXX XXXX acting as me the consumer creating my profile, adding acct info., and accepting my terms and conditions. I was told on XX/XX/2022, to allow 24 hours to see my loan info. It was in fact not a loan when I logged in utilizing a PIN sent to my cell phone on XX/XX/2022 but in fact a lease where I would pay weekly an amount of XXXX. I have attempted to cancel all day with the business and also American First. They have both said NO even though I have no tires or rims on my vehicle. This business is defrauding their customers everyday.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-06
Company: CORELOGIC 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: Credit inquiries on your report that you don't recognize

Complaint:
I have some hard inquiry that have not been my authority please I need 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 2022-12-06
Company: WELLS FARGO & COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
I have some hard inquiry that have not been my authority please I need 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 2023-01-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hello! On XX/XX/2022, I made an international wire transfer from XXXX ( XXXX ) of the XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Transfer amount XXXX USD. The payment was made for the car, but was never transferred to the recipient. When contacting my bank, I managed to find out that the money reached Bank of America ( XXXX ) and was held there for almost XXXX months without explanation. XXXX XXXX Help make this payment! Why are they holding him? How many days will it still be held and when will it be credited to the beneficiary?

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 2022-03-29
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
In XX/XX/2021 I missed half of a payment to XXXX XXXX on a credit card. Myself, wife and our XXXX children, including my XXXX XXXX XXXX son, became stricken with XXXX over XXXX and XXXX and were unable to make the payment and it was reported late. I entered a payment plan with the company and brought the debt current in XXXX and XXXX. I wrote goodwill letters explaining the situation and CARES Act to the company and filed disuputes with all three credit bureaus also explaining the situation and the CARES Act. They all said the report was accurate and no information on CARES Act. I am requesting that the 30 day late payment be removed from my reports with all three bureaus in repose to the CARES act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Google Compare Credit Cards Inc.
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Since XX/XX/2021 I've been trying to cancel my google XXXX account number XXXX, but google arbitrarily claims suspicious payments, and the payments were made via bank slip, which makes any irregularity in the account impossible. I urgently request a refund of the remaining balance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: Elevate Recoveries, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
this collector has been calling everyday, i was told my medical bill was paid for by my XXXX insurance should have paid for it, but later, they submitted 2 derogatory remarks on credit report. So, i paid XXXX for settlement, but i was told the medical insurance paid for it. but i dont need any of this on my credit report. i would really like for them to refund me my XXXX if my insurance paid for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: World Acceptance Corporation
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern : This letter is in response to your recent claim regarding account # XXXX, which you claim that I owned your {$1600.00}, which I know I did not do any business with your company. 

Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

I am again formally requesting a copy of any documents, bearing my sig- nature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. 

I further remind you that you may be liable for your willful non-compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX Last XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX at XXXX AM, I was contacted by someone who wanted to make a business deal regarding using some of my XXXX XXXX for their art pieces on XXXX. The artist said that his client was wanting to pay {$2500.00} for this particular XXXX, and that it would be an 80/20 cut in his favor ( artist would receive {$2000.00} and I would receive {$500.00} ). He told me the client would send the check of {$2500.00} directly to me, and that I would send him his cut over Zelle to prove transparency. On XX/XX/XXXX, I was sent the check of {$2500.00}, and it went through on XX/XX/XXXX. By XX/XX/XXXX, the funds were fully processed and in my account. I sent the artist {$100.00} over XXXX XXXX ( which was refunded ), and then {$1000.00} and {$900.00} over Zelle on XX/XX/XXXX. As of Monday XX/XX/XXXX, I realize the check of {$2500.00} had been taken back, so therefore, I have been scammed out of {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: Experian Information Solutions Inc.
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: Personal information incorrect

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 ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) Acct # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX Acct # : 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 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 non-monetary relief
Consumer complaint received 2022-06-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was recently a victim of identity theft and I think Chase has done a terrible job of providing any identity fraud services to help mitigate the financial loss to me or to chase. The identity thief tried to get a new debit card in my name with my information in an atattempt to gain access to the funds in my checking account. I was fortunate that I noticed an email from Chase buried in my gmail account. It was a miracle I saw and read this email. 

Any potential security breach should be brought to the attention to the acount owner by a phone call. Also, I am beyond angry that my acount has a fee charged for the issuance of a new debit card to the crook I have every intention of moving my busines from Chase. They should be ashamed of the poor customer service. The fee they charged me for the fraudulent debit card request is laughable. I am embarrassed for them. I will move my business to a financial instiuton that cares. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-21
Company: ClearPath Lending
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Clear Path Lending sends 3-4 mailers a week often times camouflaged inside envelopes without displaying their origin. They email, text and call leaving voice mails weekly. I reply to the texts and emails requesting that they stop contacting me. I applied for a conventional mortgage with a different lender last week, XX/XX/XXXX, and the amount of mailings and calls has doubled - offering me a VA mortgage. I desire that they cease all contact with 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 explanation
Consumer complaint received 2022-07-04
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I am having problems adding money or withdrawing from my pay pal mobile wallet. The company just sent me a message that Ican nolonger use pay pal and that my account was permanently limited yet I have not violated any of the policies of the company. The case ( XXXX ID - XXXX ) under my pay pal mail XXXX. Please I need assistance because I have been using to receive payments from tutoring platform XXXX and now I am unable to add funds to the pay pal account. Please compel the company to respond to my please and restore my pay pal account to normalcy. I previously raised a complain and The company did not resolve my dispute.

Company response to consumer: Closed with explanation