BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-23
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
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 I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX Bankruptcy, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. I disputed the information with the bankruptcy court, XXXX  XXXX  and XXXX. Bankruptcy court stated they do not verify any bankruptcy open or closed with any third party including pacer. I never gave written permission for anyone or any company to furnish any information on or about me. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy 1 5 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 1 5 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 2023-08-23
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: Card was charged for something you did not purchase with the card

Complaint:
My American Express Card was used by someone else ( fraudulently ). It's reporting on my credit and it's hurting me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-23
Company: Synovus Bank
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:
XXXX5 U.S.Code S 1681 2 A Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My loan servicer changed from XXXX now to XXXX ( Nelnet ). My loan interest rate was reduced to 0 % with a loan modification I did a few years ago. Now Nelnet is charging me a 1 % interest rate and has already applied interest to my loan! This is disturbing beyond belief!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: EQUIFAX, 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 HAVE TWO ACCOUNTS ON MY CREDIT THAT I HAVE SUBMITTED DELETION LETTERS TO EQUIFAX THIS DISPUTE STARTED BACK ON XXXX AND EVEN WITH ALL THE DOCUMENTATION ACCORDING TO THE GUIDELINES SET BY THE FCRA THESE ITEM STILL REMAIN IN DISPUTE ON MY EQUIFAX FILE ... EQUIFAX IS A COMPANY THAT OUTSOURCES AMERICANS PERSONAL CONSUMER CREDIT REPORTS TO A THIRD WORLD COMPANY SO YOU CAN NEVER GET A CORRECT ANSWER FROM EQUIFAX THEY HAVE A PRACTICE OF TRANSFERRING YOU AROUND OR PUTING YOUR CALLS ON HOLD ... THE FIRST ITEM THAT IS INCORRECT ONLY ON MY EQUIFAX CONSUMER REPORT IS XXXX ACCOUNT # XXXX THE SECOND ITEM IS. XXXX XXXX XXXX ACCOUNT # XXXX BOTH OF THESE ACCOUNTS I HAVE SUBMITTED ALL DOCUMENTS NECESSARY TO BLOCK AND REMOVE THESE ACCOUNTS BUT EQUIFAX CONTINUES TO JUST PUT MY ACCOUNT IN DISPUTE AFTER DISPUTE AFTER DISPUTE..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: CCS Financial Services, 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:
( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC1681 section 604 a section 2 states Any consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is explained how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information. " This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. None of these accounts belong to me period.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have been trying for the past two days to get my money out of Paypal. A friend sent me a few XXXX dollars to help me out and PayPal decided hold the money. I was patient for two days. Now the clock is ticking and I could lose everything because they wont release MY MONEY. And, of course, its not allowing me to verify my identity. I uploaded the front and back of my card and then it wont let me take the picture of myself. This is absolutely unfair and traumatizing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSWORLD SYSTEMS INC
State: AL
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:
Company is in violation of 15 USC 1692 ( d ) ( a ) ( I ), and 15 USC 1681 ( 2 ) ( 4 ) which states A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.

Without limiting the general application of the foregoing, the following conduct is a violation as furnishing information has and is causing me to be oppressed.

( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 

Furnishing of a consumers credit report to order CRAs and without permissible purposes, and without my written unlawfully would make companies liable of criminal means which is proof of causing harm to my reputation which is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: DISCOVER BANK
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXXXXXX XXXX XXXXXXXX is on my credit inquiries XXXX times for XX/XX/2021 I have never applied for this company and why would they have XXXX inquiries at the same time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX, I received an email that said I had a credit card on the way from Best Buy XXXX. Looking further into email, I found a duplicate receipt was emailed to me on XX/XX/XXXX with a purchase of an XXXX XXXX and an XXXX XXXX, totaling {$1700.00}. As I didn't initiate this credit card application, nor did I make those purchases, I called Best Buy Credit on XX/XX/XXXX to open a case. As it was the weekend, all they could do was close the account, but couldn't put me in contact with their security operations department to open a case. I called again later in the week and answered some questions they asked me to initiate the case. They told me it could take up to 90 days to complete the investigation. Shortly thereafter, I received the credit card in the mail. 

Meanwhile, I also filed a complaint with my local police department, XXXX XXXX police XXXX XXXX XXXX was updated with this fraudulent account ( as this was the second account opened fraudulently within a week, and I had already opened a complaint with them for the first. XXXX on the first XXXX is under CFPB Complaint ID XXXX. ) I also put a credit freeze with all XXXX credit bureaus at this time. 

I just called Best Buy XXXX for an update, and they said this is still under investigation.

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 2023-08-24
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A checking account with Chime bank was opened under my name. I received an email invitation to start a direct deposit with them that included an account number and routing number, etc. I immediately called Chime and they confirmed that this was done fraudulently as they had my social security number, name, and email. The account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: CL Holdings LLC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX HAS ATTEMPTED TO COLLECT FROM ME IN THE PAST REGARDING ACCOUNTS WHICH WERE A RESULT OF IDENTITY THEFT. THEY HAVE NOT SENT ME ANY LETTERS TELLING ME THAT THE ACCOUNT THEY ARE COLLECTING WAS ACKNOWLEDGED AS ID THEFT, AND I WOULD LIKE THEM TO OFFICIALLY ACKNOWLEDGE THAT THE INFORMATION IS NOT MY ACCOUNT AND SHALL NOT REAPPEAR ON MY CREDIT REPORTS. 
THEY NEED TO ADVISE ME THAT THEY ARE NO LONGER ACTIVELY OR INACTIVELY PURSUING ANY DEBT COLLECTING WITH REGARDS TO ME AND THAT THEY HAD ONLY PREVIOUSLY DONE SO AS A RESULT OF ID THEFT, AND THAT ANY ACCOUNTS WILL NEVER BE REPORTED IN THE FUTURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Goldman Sachs Apple Card unlawfully declined me of a deferment Or payment option when I got behind on my payment due to hardships I am currently thirty days past due and I have contacted them several times and they declined to give options. My card is closed and they still wont give an option for hardships.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I request validation of such debit with competent evidence that I have any obligation to pay you. 

Please provide me with the following : -What the money you say I owe is for ; -Explain and show me how you calculated what you say I owe ; -Provide me with copies of any papers that show I agreed to pay what you say I owe ; -Provide a verification or copy of any judgement if applicable ; -Identify the original creditor ; -Prove that Statue of Limitations has not expired on this account ; -Show me that you are licensed to collect in my state ; and provide me with your license numbers and Registered Agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: DriveTime
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
After notifying this company and General manager of my pre approval and wanting to come in to finsih my consumer credit transaction, the GM proceeds to decline my transaction thus informing him a cash down payment is not required nor a deciding factor. He managed discriminate my credit transaction informing me I can do business else where. Pursuant to TRUTH LENDING ACT AND 15 USC 1605a the term finance charge is defined as the sum of all charges this includes the charge of a down payment.. after notifying both the GM and Drive Times customer relations supervisor of my consumer rights and my right to credit and certain transactions. I have reached out to the customer relations support email in hopes to reach out to their legal team in review of my consumer rights and public law and 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 2023-08-24
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened an account with FNB ( https : //www.fnb-online.com/ ) and funded my account with the required minimum. After opening the account, two issues arose : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Day 1 : The required minimum ( {$50.00} ) didn't show up in my account or as pending, which is fine, but I called support ( chat was also available but was taking a while to move up in line ). Prior to being able to access support, I was asked about a pin number that I hadn't set, somehow I got past it but I'm not really sure what I did. The CSR said I should have put the last 4 of my social in, but I wasn't directed to do so in the call, I think I hit XXXX # and just hoped it gave me an agent. I ended up asking the CSR about if my funds were showing up and she told me there was nothing pending and I'd have to resubmit the deposit. I went to link my bank and it said to check back in 1-2 business days after the small deposits were made to verify, which is also fine. The next day ( today ) I logged into my other bank to see that the {$50.00} was debited, so I'm not sure why the CSR didn't have access to that confirmation at all.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Day 2 : I went to log into the account and was met with a form asking for the last 8 digits of my debit card, which of course I have not received since it's barely been 24 hours. I called the bank 's support and provided my SSN, DOB, Address, DL # in order to verify identity, which is another thing that is fine, but that's because I didn't have the account number or debit card # which is locked behind the bank 's login that I can't access one day after opening the account. The CSR today recommended I go to a branch and get a temporary card in order to log in, but that the closest branch is 30 miles outside of the city I live in, so they ended up recommending that I wait until the debit card gets here. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Both customer support reps were great and easy to talk to but it seems like there is a large communication issue at FNB and also too many hoops to jump through for things that other banks do not have issues with. The CSR I spoke to today ( Day 2 ) said I'm " definitely not the only person '' to have this issue and that my feedback about it being unreasonable would be passed along, though I doubt anything will be done if this is an ongoing issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: VW Credit
State: DE
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a car loan through Audi Financial Services. They are not allowing me to access their website to make payments. This has been an issue for a couple months now. I set up the account online and get a message I will be notified when processing is complete. It should not take months to set up an account. I called and was told they could not do anything for 25 days since the last time I tried to log in. I waited the 25 days and called back. After deleting and reloading the Audi app and verifying my information is accurate the agent opened a ticket. I called back a week later to get an update on the ticket and was told the ticket was closed because my information was not matching. That is incorrect as the information was already verified as being accurate. I believe this was the companys way of meeting SLAs for closing out tickets. I still cant access my account online. I want the problem resolved to allow online access to monitor my account. Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX for Comenity Bank XXXX This company settled the account for less than the full balance. Updated the information on my Credit Report to show comments that the account is settled and paid for less than the full balance, but updated the balance to the amount discounted instead of XXXX. This is preventing me from purchasing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Freeway Funding, Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This issue of incorrect account reporting has been ongoing with Freeway Funding INC as this is my second CFPB claim against them regarding the Account Number : XXXX that pertains to the Vehicle : XXXX XXXX XXXX XXXX XXXX. I've recently file my intial CFPB claim against them in XX/XX/XXXX because they repossessed the vehicle nearly a year ago, report the account to the credit bureaus as closed and repossessed ; but, was still reporting monthly late payments and blance updates that ended up totaling over {$8000.00}. Before filing the my first CFPB claim against Freeway Funding INC, I wrote to them several times wanting verify information about the vehicle, the account, and the reporting of the account. Namely, why they were continuing to report late payments to the cresit bureaus on a nearly one year old closed repossessed account, and the details on the selling of the car that they hadn't disclosed to me as I found out they sold the vehicle at an auction in XX/XX/XXXX via a records search company but Freeway Funding INC was reporting the aforementioned anyway which continued to damage my credit. Only after I filed my first CFPB claim against Freeway Funding INC did they disclosed that they sold the car, then applied the proceeds they received to the over {$8000.00} balance they wrongfully increased to over the period they were reporting late payments on a nearly one year old repossessed car and closed account, then changed the reporting of the account to a Charge Off for the amount of {$1500.00}. The issue continues now is Freeway Funding INC is now reporting late payment updates of {$6.00} on XX/XX/XXXX and {$14.00} on XX/XX/XXXX on a written off Charged Off account. This reporting behavior by Freeway Funding INC is frivolous, intentionally erroneous, and is intentionally damaging to my credit and quality of life. The vehicle was repossessed nearly a year ago, they reported the account as closed and as a repossession, sold the vehicle, reported the account now as a Charge Off and Written Off ; and, they are still reporting late payments and balance updates as shown in the attached images to this 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