BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-14
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I'm XXXX XXXX of XXXX XXXX XXXX. XXXX XXXX, Ohio XXXX. The company that collects the direct loan for XXXX XXXX is UAS XXXX. My Account # is XXXX. UAS debits my bank account 3 full days before the due date. I've written to them several times about this and their response was to change the due date, which obviously doesn't solve the problem. I recently changed the due date of my last payment to XX/XX/2023. I changed the due date 3 days in advance of the scheduled payment, which was XX/XX/2023. I subsequently received 3 voicemails and several emails inquiring about my " missed payment '', when in fact all I did was move the due date-as I was instructed to do by UAS when I wrote to them previously. They debited the account 3 days before my scheduled due date. This month, XXXX, UAS moved the due date back to the XXXX. I didn't realize this until the XXXX of XXXX-1 full day ahead of the due date. I tried to change the due date but UAS had already debited my account. Now I am hundreds of dollars negative in my bank until my next pay date. The aggressive payment schedule, which is $ XXXX dollars a month is non negotiable-meaning I can't lower the payment. Paying back this loan, which was for education, demands 10 % of my total salary. These practices of early debiting are unacceptable, and according to XXXX  3 day cycle are illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have an open case on Paypal case number : XXXX XXXX Paypal has kept my money on hold for over 5 months. 
On XX/XX/XXXX i used Paypal to receive payment for an item i sold, the total amount was {$3700.00} usd, on XX/XX/XXXX the buyer open a complain demanding a refund of {$500.00} usd, at first i denied giving the refund but after talking to the buyer on XX/XX/XXXX i did agree on giving the {$500.00} back. 
after all this i supposed to receive payment for the amount of {$3000.00} usd and till today XX/XX/XXXX of XXXX that amount is still kept on hold by Paypal. 
i have submitted proof that the item has been delivered and i have agreed to give the refund to the buyer as he requested. 
Paypal keep telling me to wait and say that the buyer 's financial institution has to fix the issue, i used paypal trusting it was a safe way to receive payment but they don't seem capable of doing nothing to help resolve this problem, I want my money for the item I have sold.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-08
Company: SYNCHRONY FINANCIAL
State: NJ
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:
I learned about the fraudulent transaction when I received a bill in the mail from Synchrony Bank. I thought this credit line/credit card was closed when it was paid off four years ago. I reached out to Synchrony to file a fraud investigation. They were very unprofessional, transferred my call many times and then disconnected the line. After several attempts, I learned someone went into XXXX XXXX XXXX  in the XXXX, NY and made a purchase for my max credit line of {$11000.00}. The person showed a photo ID and a XXXX credit card. I informed Synchrony that I do not have a XXXX credit card ( something that can be easily verified through my credit report ) and that I was no where near the XXXX, NY on XX/XX/2022. I further explained to Synchrony that I was working for my employer, had a swim session for my son, and a dentist appointment that day. Three different places that can validate my location in XXXX New Jersey. After months of gross negligence and failure to properly handle my case I filed a police report. The police report was filed on XX/XX/2022 with the XXXX XXXX Police Department. Case # : 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 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$9700.00} XXXX  XXXX Balance : {$3900.00} XXXX XXXX Balance : {$570.00} XXXX XXXX Balance : {$3900.00}

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 non-monetary relief
Consumer complaint received 2023-06-07
Company: Associated Credit Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter today from Associated Credit Services for a debt from XXXX XXXX XXXX XXXX account number XXXX that was sold to them from XXXX XXXX XXXX from XXXX all of this is on the letter. in the amount of {$10000.00} this debt is not mine nor have I ever had an account with XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and found out this a account from a restaurant XXXX XXXX that is no longer in business and this was an business account. Nevertheless the account does not belong to me. I have asked them to send me the contract to no avail they claim to not have it yet these companies keep contacting me for an account that isn't mine. Until you can send me a contract showing that I had an equipment order purchase for a restaurant like the rep tried telling me at XXXX XXXX then stop contacting me. I have a right to see any and all contracts that you claim to be in my name as proof of debt which I have asked for over the years on numerous occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i have contacted XXXX XXXX in regards to a late payment reported on my credit i have not gotten remedy 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 
Pursuant to 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I NEVER gave You, OR the above listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21
Company: Resurgent Capital Services L.P.
State: CA
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:
Lvnv funding is inaccurately reporting on my credit report. Ive told them several times the debt is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Recently I have noticed some incorrect information on my credit report. I have reached out to Experian, XXXX, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am beyond furious and I pray to XXXX that you can help get this letter to the bureau. I've sent numerous letters and was never notified of the results. The dates are XXXX and XX/XX/2020. Unfortunately, it's been over 60 days and I'm pretty positive that this violates my consumer rights!!! CFPB Please help with this issue!!!! I have the FTC following responses closely.

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 2023-01-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The following accounts are incorrect, and they are adversely affecting my livelihood. 

XXXX - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Experian Information Solutions Inc.
State: TX
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:
Experian is obligated by the FCRA to report accurate accounting. Consumer has advised ALL INQUIRIES AND ACCOUNTS reported was fraud, and SAID company is required by law to remove Such items within 4 days, FTC fraud report was filed on behalf of the consumer, Consumer is requesting EXPERIAN to provide documentation used to determine the inquiries and accounts where authorized by the consumer, EXPERIAN has 10 days to provide me with the names of the family and neighbors or person spoken to, documentation used, signed application with consumer wet ink signature, comsumer is not asking for an E-Oscar report. If EXPERIAN can not provide documentation to show these accounts and inquiries was in fact authorized by the consumer account must be deleted immediately. Said company is liable under the SEC to follow certain rules I HAVE EXPERIAN COMMISSION NUMBER address and what company your company use to trade securities, I will be filing XXXX to audit consumer account. EXPERIAN is securitizing consumer data yet refuse to provide consumer with their CONSUMER FILE NOT CONSUMER REPORT FTC REPORT is uploaded

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX TransUn ion failed to verify hard inquiries that I did not grant permissible purpose appearing on my credit report that I do not recall authorizing and did not sign an application for credit. The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY. Including U.S CODE 15 U.S.C & 1681 ET SEQ. Section 604 of the Fair Credit Reporting Act. These inquiries being reported were never authorized by me and appear as inaccurate information on my credit file as a credit inquiry and must be removed immediately. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-03-14
Company: SANTANDER HOLDINGS USA, INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX, entered a consumer credit transaction with SANTANDER on XX/XX/XXXX. And 1 year later I have not received my validation of the alleged debt pursuant to 15 USC 1692g. 

I do not believe I owe such alleged debt therefore I submitted a request to validate such allegate debt via a debt validation letter and cease and desist. 

Letter was received by SANTANDER offices XX/XX/XXXX and have attached such proofs below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: General Motors Financial Company, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2023 a inquiry from this company ( s ) was pulled from my credit without my notice or authorization. I did not apply for anything with these company ( s ), I believe I was a victim of fraudulent activity. These unauthorized inquiries have negatively affected my XXXX XXXX and my ability to acquire credit. I need these false items removed from my credit report as soon a possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: LEXISNEXIS
State: IL
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:
I've made several attempt within a year and no results, from LexisNexis for false or inaccurate information. Obtaining variations of names, birthdate, addresses, SSN, telephone numbers and employers. References # XXXX that they assigned me.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2023, I opened this checking account ( XXXX  ) with {$150.00} bonus offer on BoA website. 
On XX/XX/2023, until today, I still have not received the {$150.00} bonus. Tried contact customer service and they told me that offer never applied to my account so I wont get the offer. Also last 5 month, I had over {$20000.00} direct deposit and I am very sure I am eligible the offer. 

This is clear a tech issue from BoA or they had a fault advertisement. I need CFPB to help and look into this issue.

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 monetary relief
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of XXXX XXXX Date of inquiry : XX/XX/2021, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number : 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 2023-03-07
Company: Schreiber Law LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The questions asked on previous page don't apply to this situation, but had to fill in something to move forward. 

Schreiber Law , LLC ( Debt collector ) for XXXX XXXX XXXX. filed small claims against me XXXX XXXX in XXXX XXXX XXXX, hearing date was XX/XX/2022 at XXXX Docket # XXXX. The judgment was in MY favor., so I have called many times and sent letters informing them of Judgment in MY favor but they, gave my the run around saying I had to call original creditor ( XXXX XXXX  ) although XXXXXXXX XXXX continues to update and report it on all 3 Credit Bureaus XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Browsed the XXXX XXXX website to plan a trip. Upon selecting a flight, day and time, an offer for a {$200.00} statement credit appeared from American Express on the XXXX XXXX website. On XX/XX/, spoke to XXXX XXXX representative confirming the American Express offer was legitimate. XX/XX/ XXXX  called American Express and applied for the American Express XXXX XXXX XXXX XXXX credit card to use to purchase the airline tickets through XXXX XXXX to receive the {$200.00} statement credit and was approved for the credit card. XX/XX/ booked the flight through XXXX XXXX using the American Express XXXX XXXX XXXX XXXX credit card as required in the American Express " Terms and Conditions ''. XXXX XXXX XXXX received the statement from American Express which did not reflect the {$200.00} statement credit. XX/XX/XXXX  called American Express who issued a claim number, and they stated the matter would be reviewed within 7-10 days. XX/XX/XXXX  called American Express to check the status of the claim and was informed it would take until XX/XX/XXXX  for a determination. The American Express payment is due XX/XX/XXXX  The payment will be made to American Express by XX/XX/ to avoid any late payment or interest charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-08
Company: Maximus Education, LLC dba Aidvantage
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I filed for bankruptcy in 2016 and my student loans were listed on the court documents. However they were not removed and I still owe on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
There is fraudulent information on my XXXX XXXX Credit Report. The following inquiries occurred without my approval or consent : BMO Harris- 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