BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-05
Company: Paypal Holdings, Inc
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Hello, I was subject to multiple " unauthorized chargeback '' scams on PayPal. 
at XXXX i received a notification email from PayPal saying a case had been filed and required a response from me. 
At XXXX I received an email thanking me for getting in touch ( which i had n't, i was asleep ) and that the case had been resolved in favour of the buyer, as i was not " eligble for seller protection '' insurance. 

This can not have been properly investigated and i feel PayPal are punishing me for not using the seller protection program. There is no way they could have investigated this case thoroughly and i am now left out of pocket with a negative balance which i am sure PayPal will pursue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
collection consultants has been reporting my account XXXX. XXXX the credit agency XXXX i have spoken with them many times and request original documentation to show why and how i owe this money they are not able to produce any documentation to verify my debt, i have also requested from credit agency to please provide verifiable proof or remove it from my file. and it did not happened

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 actXXXX account XXXX XXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A states I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions.

The following have also violated my rights to privacy by reporting hard inquiries that destroyed my credit rating without my written instructions. 

XXXX XXXX XXXX  Location XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX via XXXX XXXXXXXX XXXX  Location XXXX XXXX XXXX XXXX, IL XXXX XXXX, XX/XX/2022, XXXX ( XXXX ) XXXX TypeIndividualPermissible PurposeXXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX ( XXXX ) XXXX Type Location XXXX XXXX XXXX XXXX, NC XXXX XXXX ( XXXX ) XXXX TypeIndividual Location XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX CA XXXX XXXX ( XXXX ) XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Location XXXXXXXX XXXX XXXX XXXX, CT XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquired XXXX and XX/XX/2022 XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Inquired XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXXXXXX XXXX UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX UT 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 non-monetary relief
Consumer complaint received 2015-05-09
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
On XXXX/XXXX/2015 I requested and received a copy of both my XXXX XXXX Report and my XXXX report. I did not request a copy of my XXXX report until today, XXXX/XXXX/2015. When I made this request I received the message thay I had already received a free copy of my Experian Report. This was incorrect I have not received a copy of my free Experian credit report. Earlier this year my bank, XXXX XXXX, offered me, and I accepted access to my Experian Report thru a link on their website. I had to XXXX log in to my account online from which I clicked on the link provided ( XXXX, XXXX, Experian Credit Report ) and enter the passcode I was given, by the loan officer at my XXXX Bank here in XXXX, VA, to gain access to my XXXX XXXX XXXX 5 times over a period of 80 days. This was in no way connected to my right to receive my annual free copy of my Experian Credit report. 
Thank you for your time and attention paid in dealing this matter. I will look forward your response. Thank-you, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-31
Company: GREAT LAKES
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
After consulting with Great Lakes, I made XXXX substantial payments totalling {$40000.00} on XXXX student loans before they went into repayment status. I made these large payments upon receipt of email correspondence where my funds would be applied towards my monthly payments, prolonging the length of time until my first payment was due. From my Great Lakes email asking if a lump-sum payment would increase the time I owed {$0.00} per month until the lump-sum ran out at the appropriate PAYE monthly rate : " When you pay a large, lump-sum towards your account, you create several options for yourself. When your account is paid ahead, you 've basically created your own forbearance time. You can stop making payments and still be considered current for the number of months the large payment covered ... '' I made these large lump sums under that understanding, to create my own forbearance time until aprox. XX/XX/XXXX. Great Lakes now claims they recalculated my account and what ever forbearance months I had built up/remaining were wiped clean XX/XX/XXXX. I would have never made these lump-sum payments but for the reliance on Great Lake 's misleading, inaccurate, and fraudulent communication. I can provide the email upon which I relied if needed. 

Great Lakes ID : XXXX XXXX Plus : XXXX - Lump-sum payments {$23000.00} Stafford : XXXX - Lump-sum payments made {$16000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card
Issue: Transaction issue

Complaint:
I recently paid XXXX of my maximum credit card balance through Bank of America posted to my account on XXXX/XXXX/XXXX. The funds were directly deposited from my " XXXX Bank account '' through an electronic ACH transaction. According to " Regulation CC '' set forth by Federal reserve under the " Expedited funds availability act '' of XXXX. XXXX Funds should have been available on the " same day '' of the transaction. I attempted a credit card transaction on XXXX/XXXX/XXXX, XXXX business days later & the card was declined. Upon contacting BOA on the issue I was " continuously '' lied to about the funds lack of availability. A BOA credit card annalist stated that they only had to post the deposit to my account in order to be in compliance with the regulation. He indicated the bank had a right to place a Hold on my account for XXXX10 days for fraud analysis, " REALLY '' in a commercial electronic ACH Bank to Bank transaction. Not withstanding this " deplorable '' action prevented me from caring out important time sensitive financial transactions. BOA has long standing reputation for deceiving their customers, for " wind fall profits '' based on a long standing pattern of funds manipulation. " & unwarranted charges on customer accounts. This Pattern of behavior warrants an investigation of the Banks practices with all the appropriate fines and penalties..

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 2022-11-01
Company: EQUIFAX, INC.
State: OH
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've notice unauthorized inquiries on credit report and notice that someone may have applied to something in my name. I have sent multiple disputes to remove these hard inquires they are fraudulent and I want to get them removed. 

XXXX - XX/XX/2022 XXXX - XX/XX/2022 XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
BETWEEN THE DATES OF XX/XX/2017 AND XX/XX/2017 TRANSUNION HAD A GLITCH IN THEIR SYSTEM THAT VIOLATED THE RIGHTS OF THEIR CONSUMERS UNDER SECTION 6.11. AS A RESULT, I HAVE BEEN GRAVELY AFFECTED. XXXX COLLECTION ACCOUNT AND XXXX INQUIRIES WAS DELETED THEN ADDED BACK ONTO MY CREDIT REPORT. TRANSUNION HAD FIVE DAYS TO NOTIFY ME ABOUT THIS REINSERTION. NO NOTICE WAS EVER GIVEN WHICH IS A VIOLATION AND I AM REQUESTING THAT THE COLLECTION ACCOUNT AND ALL INQUIRIES LISTED BELOW BE REMOVED. 
COLLECTIONS : 1. XXXX INQUIRIES : 1 ) XXXX XXXX 2 ) XXXX 3 ) XXXX 4 ) XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX 7 ) 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 2022-11-01
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Starting on XX/XX/2022 the former property management company ( XXXX ) I rented from illegally raised my rent during my lease, and without due notice. The sent me email confirmation that my rent would be raised on XX/XX/2022, but raised my rent before then. I vacated the apartment on XX/XX/2022 after submitting appropriate notice the month prior ( which was confirmed by the property management company ). The company attempted to bill me for additional rent that I did not owe and I did not pay. The company charged my account for rent and additional fees on XX/XX/2022, the day I was vacating. 

They then sold it to a debt collection company. 

I sent a letter by mail disputing the debt and asking for validation. The debt collection company ( Columbia debt recovery LLC DBA Genesis ) sent an expired lease ( expired XX/XX/2022 ) and an invoice that just has " rent owed '' for the debt validation. They did not send anything regarding the time I rented from XXXX. I still have all of the invoices and receipts from my actual rent payments, the emails stating my rent would not increase until XX/XX/2022, as well as the additional rent charges they added to my account with them and my payments from their online portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: General Motors Financial Company, Inc.
State: TN
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:
After careful review of this account, I noticed multiple instances, where 99 % of the information reported by the credit bureasu are not accurate and they insist on confirming and validating the creditors inaccuracies. The high balance is being reported inaccurately with 3 different amounts. Only one credit bureaus ( XXXX ) is reporting that it has actually verified the account. Date of Last activity, date reported, date opened, balance owed, creditor type, account status, payment status, are all reporting different information. None of the agencies match on any of the data they are reporting against this account. 

On XXXXXXXX XXXX and XX/XX/2022, I submitted a dispute via the online portal with all 3 Major Credit bureaus regarding GM Financial. Each result came back " verified as accurate '' by both the Creditor and the Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card
Issue: Other

Complaint:
TD Bank USA/ Target reports acct # XXXX, as a charge offb/bad debt of an amount they claim I owe of which you claim {$1100.00}. I have sent two certified letters to Target requesting validation of debt. The first certified letter was sent on XXXX/XXXX/16 and received on XXXX/XXXX/16 and the second certified letter was sent on XXXX/XXXX/16 and received on XXXX/XXXX/16. Target noted on my credit reports that I was disputing but Target failed to provide a validation of debt. Target claimed to provide a validation of debt by sending copies of old credit card bills but DID NOT provide a contract bearing my signature. No such validation of debt was ever furnished to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28
Company: TMX Finance LLC
State: IL
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
Our Son had medical problems and suffered a XXXX XXXX XXXX and We discovered that he had this title loan and i went over to the title max office to pay off this loan and I about had a XXXX XXXX when I seen that they had a ludicrous Interest rate of 167.88 % SAD World when these type of people are allowed to charge a phenominal interest rate to people who are already in deep financial trouble. HOW CAN THIS EVEN BE LEGAL?? NEW LAWS NEED TO BE ENACTED, and all financial institutions should not make any types of loans that the people can never re pay! This file is written by father, XXXX XXXX XXXX who paid off this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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 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 2016-08-10
Company: Credit Adjustments Inc
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I dispute this debt with both the debt collector and the credit reporting agencies. This company lied and said and said this was never disputed. They have not provided debt validation. Attached are the disputes to the credit bureaus and to them. This account must be removed my my credit report.

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 2022-11-01
Company: Experian Information Solutions 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:
I ordered a copy of my report in Experian.com dated XXXX, and I found out that credit reporting agencies still indicate my dispute of information in my credit report. as required under Section 609 ( a ) ( XXXX ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX/XXXX XXXX Date opened XX/XX/2021 XXXX : {$1000.00}

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 2017-02-17
Company: TMX Finance LLC
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
We have been paying this loan for a year now and still have the same balance as we did when we began! We understand that there is interest but it seems grossly unfair that none of the payments we made have been applied to the principal. We got this loan during a very rough time and were told later that it is not really a " loan '' but a " pawn ''. We seek justice in this matter and would like to be released from this " pawn '' and for the debt to be considered satisfied as we have paid the loan off more than twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: ERC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Enhanced Recovery Corp has been unscrupulous in their dealings with me. They submitted a claim on my credit reports for the amount of {$830.00} for XXXX. Mind you, this debit is almost 5 years old and was from an account set up from an unknown location. Before inserting their claim as a collections on my credit reports, they have to date provided absolutely no documentation, nor have they tried to contact me. They have also not validated this debit as mine. 

I have been a resident of Florida all my life. When trying to contact them, my calls are either not returned or they simply do n't answer my questions. This debit is fraudulent and I have advised the credit bureaus of this. However, Enhanced Recovery has been un responsive and I am beside myself. I demand that they remove this collections from my credit bureau reports immediately. 

Thank you in advance for your assistance in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
State: GA
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'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : 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 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 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 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 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 2016-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I have a brokerage account with Merrill Lynch. Having sold my stock, I wanted to have the funds wire-transferred to my Checking Account with Bank of America on an urgent basis, to be able to make an unexpected payment on XXXX, which was subject to a penalty of {$170.00} past XXXX. I spent a good bit of time navigating the website, but there was no way to do this electronically/online. I called Merrill Lynch and was placed on hold for 30 minutes. I was unable to continue to hold and hung up. I tried again after 15 minutes, and was placed on hold for 2 hours. By then the office was shut for the day. I tried again on XXXX in the morning, and was informed by the automated system that the hold time was 3 hours! I kept holding, and finally had to hang up because I have a job. I then navigated the site, emailed and tried to chat with a live representative. I finally got through and asked for someone to contact me. A broker called me an hour later, and transferred my money. I immediately made the payment, but was charged {$170.00} in late fee charges. Since this issue happened due to delay in Merrill Lynch service, I consider this as a denial of service. If I had been able to transfer the money on XXXX, I would not have had to pay the charges. I therefore expect Merrill Lynch to reimburse me for this amount due to their problems.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation