BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
State: NJ
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-12-07
Company: Upgrade, Inc.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
the transactions were supposed to be for the landlord and the money was sent for an application and security deposit. We had been communicating for a few days beforehand and he sent me more than one property that was listed on the company 's website. When we spoke we had agreed to do everything in payments because I had not met him yet. I was unable to get ahold of the management company to verify his identity until after all the transactions were made sadly. I sent the money to his " lawyer '' and " lawyer 's wife '' and have their XXXX  and XXXX. When i had asked for a refund and to cancel our agreement, he claimed he would need to take a fee out of the money sent in order to send it back, which i know isn't the case. I spent a week afterwards attempting to get my money back not just from him but from my bank as well who continues to deny my claim even with the proof i have. My bank has denied me multiple times despite constantly asking me for more information every time I have appealed it. They are refusing to refund my money even though this was a horrible scam and it has been explained to them. due to this experience I was homeless for 2 months with my fiance and our animals. This is unforgiveable on the company 's side and from this horrible person who took advantage of us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
In accordance with the XXXX XXXX XXXX XXXX this account XXXX XXXX XXXX  # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Act XXXX the information provided below has violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

The account provided I requested Transunion whom is the only bureau reporting this fraudulent account to verify the information with this account for I did not recognize it. I only received letters simply stating account verified. However I requested details of how they verified them and to whom they spoke with to verify. They have yet to provide my this information that is required by law. Also when I update my credit reports I can see that nothing has changed since my request. All the data is still the same and not even the same per bureau. My attorney suggested I file this complaint.

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 2023-12-05
Company: EdFinancial Services
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I submitted paperwork on XX/XX/23 to defer several parent plus loans as my son is attending graduate school. I submitted the same form again on XX/XX/23 because my account did not reflect any changes, so I feared that Ed Financial lost my information. As of XX/XX/23 my account still has not been updated and is now showing a past due amount. As of XX/XX/23 I have called and spoke with different representatives a total of 6 times. All representatives say something a bit different, last person I spoke with said my account has been updated but my portal has not. A representative I spoke with today said that the form was received on XX/XX/23 and needs 30 days to process. I am absolutely livid with this company, there is no option to speak with a supervisor to have this taken care of immediately. I fear this will go onto my credit report as a late payment. The representative I spoke with today claims I have 90 days before that would happen, but I have XXXX faith in anything Ed Financial has to say. I just want this form processed, my account updated to reflect no payment is needed on the parent plus loans for an additional 6 years *update* This morning XX/XX/23, I spoke with a representative that told me she did not see my deferment paperwork in their system at all. She sent a message for a supervisor to call me today at XXXX my time, XXXX her time. At XXXX my time I still had not received a call, I once again called customer service. The lady I spoke with told me that the supervisor would infact call me within XXXX. Once again different information than I was told earlier. When asking her about the form I sent in originally on XX/XX/23, after placing me on several holds, she claimed it was received on XX/XX/23. Once again different information. She claims a supervisor will be calling me back within XXXX days, stating that there was noone there that was available for me to talk to now. 
ED Financial is dealing with likely millions of dollars of student debt for likely thousands of students. If they can't seem to find a simple form to defer loans, who's to say they don't lose payments that people have made to their loans. ABSOLUTELY DISTURBING AND NEEDS TO BE INVESTIGATED. 
All I want is for the paperwork to be processed and my account to reflect deferment for the parent plus loans until my son is finished with grad school. SUPER SIMPLE

Company response to consumer: Untimely response
Consumer complaint received 2023-09-02
Company: Exeter Finance Corp.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Deficiency balance after repossession

Complaint:
Exeter finance reposed the car XX/XX/2023. They added a slate fee charge of XXXX on top of the balance. They said they put the car up for auction instead of just letting me pay the car off monthly with another payment plan. They need to stop adding late fees when they already have the car. They pack on fees every day but they are not telling that to the customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: HW Holding, Inc
State: AR
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hunter Warfield is showing up on all 3 of my credit reports showing they are collecting a debt for an apartment complex I moved out of in 2021. My lease was up and I was on a month to month agreement with the previous manager XXXX XXXX. I got her permission and okay that it was fine for me to move out since I was on month to month. In the middle of my move something happened at the apartment complex that forced them to change managers, the new manager didn't know me and didn't know what was going on I assume. I spoke to her briefly when I turned the keys in to let her know I was moving and the previous manager and I agreed to the move being that I was on month to month and under no lease agreement. She stated she would look into it but I never heard from her again. Then years later I see this collection agency on my reports that I have no knowledge of, they have never tried to communicate with me by any means to validate or verify this debt that I don't owe. I have an emergency in my family and we are needing to move from our home because of health reasons and now this unlawful reporting is causing hardship in my life to where I can't move.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Paypal Holdings, Inc
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
PayPal I have XXXX accounts with PayPal, a personal account that has never been used for selling items and a business account that is used to both sell and buy items. 

On XXXX, PayPal; froze my personal account. 
1. I was not notified in any manner, by email, letter, or online message.

2. When I tried to access my account, I received a variety of messages online, on XXXX - in essence, I could not pay bills, buy items, close or open funding sources ( my " Wallet '' ) nor access the {$1000.00} in XXXX ( XXXX ) that I had purchased from PayPal. 
3. After calling PayPal, Chat online via their website, and using the PayPal messaging system on my account, I was able to find out : a. My account was frozen because I had somehow violated the AUP, Terms, and Conditions ( TOC ). 
b. But unless I subpoenaed PayPal no one would tell me what I had done wrong. 
c. My account was permanently frozen, I would get an email in 180 days or less that would let me know how I could retrieve my XXXX, delete my funding sources, and close the account. 
4. I called and messaged PayPal more than XXXX times in the interim and have just completed XXXX contact attempts since the XXXX period expired- with no change from PayPal and typically just getting form/canned responses. 
5. After my last call I received an email from PayPal telling me how to subpoena and/or file suit against them. 
6. And in the interim my XXXX has lost XXXX XXXX of its value- while I could not trade it. 
And I have had at least XXXX @ fraud attempts on this account via scammers. 

As a consequence of PayPal 's actions and inactions, I have been exposed to financial fraud, lost ~ {$400.00} ( on paper of value in my account ), had to find other means to pay my bills, had to deal with vendors who were not paid, chased down credits and delete auto payments to XXXX charities ( handle by PayPal in a different manner ). 

I would estimate my direct costs at {$500.00} and my indirect costs at XXXX hours with unknown damage to my reputation. 
Imagine how bizarre this is to not know why, not be able to mediate through arbitration, while at the same time I have a working business account!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2023 I made a transfer from my Venmo account ( XXXX XXXX ). It automatically transferred an account connected with my Venmo account. However, the account was closed. I was able to get the bank statement which clearly shows XXXX returned the money. However, it was not returned to my Venmo account. 

I talked with Venmo three times, and they are telling me they have power to help resolve the problem because the bank received the transfer. Venmo sent an email, with instructions. ( I attached the email from Venmo as well as the statement from XXXX XXXX. ) However, that was an account my ex-husband had prior to our marriage so I still can not get answers. I was forced to borrow the money from a pay day loan place to pay my rent. I had to borrow money from a pay day lender to make my payment. 

I believe that Venmo has the responsibility and the capability to trace the transaction and ensure that it is returned to my account since XXXX returned the " transfer ''. 


The deposit on the bank statement is for {$2200.00}. 

Please help me resolve this. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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  have violated my rights.

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: ROBINHOOD MARKETS INC.
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
{$36.00} XX/XX/2023 {$200.00} XX/XX/2023 I have been back and forth with Robinhood since the transactions took place. I have a multitude of corespondents between myself and Robinhood that provides all the information that they have request. Over 20 email. XXXX ( the merchant that the transactions was with ) has also sent proven documents showing they, yes indeed refunded the money back to Robinhood. 
However Robinhood has yet to refund the money back to me. 
Please let me know what else you may need, I have saved all communication along with screenshots of convos. 
Thank you, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX has repeatedly reported that XXXX XXXX is verifying a bankruptcy on my file. Yet XXXX XXXX has repeatedly advised me their company is NOT verifying that incorrect information and provided me a copy of my report that DOES NOT contain any bankruptcies. The bankruptcy should be removed from my report immediately

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 2023-05-14
Company: EQUIFAX, INC.
State: PA
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 am resubmitting this dispute. I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I am verifying that this is me who is disputing these items. I need this removed asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: FinCo Services Inc DBA Current
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had noticed the past XXXX days that my available funds was significantly lower for the transactions that I've made. So I added up all my deposits I've made for the past XXXX days. On XX/XX/XXXX I deposited {$290.00} and {$340.00}. On XX/XX/XXXX {$240.00}, {$13.00}, {$17.00} was deposited. Today XX/XX/XXXX I deposited XXXX. When all that is added up it equals XXXX. I checked to see what was in my account as of now and it says XXXX. So I take the XXXX and subtract all the transactions minus the pending which came to XXXX. So let 's say the pending transactionshavent went through I should have XXXX in my account as of now. So then I take {$920.00} and subtract the pending charges and it came to XXXX. So I'm still missing XXXX out of my account that Current  needs to explain. Those pending transactions are double charges so your employees can pocket the second transaction. The customer service rep ended the chat log after I questioned where my money went and the second gentlemen wouldn't reply back. This is fraudelent activity and my money was stolen from Current. This needs to be addressed immediately!! Please images and do the math yourself!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I filled a dispute on XX/XX/2023 Requesting of inaccurate information on my credit report and Equifax failed to respond on timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: DISCOVER BANK
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

Please send me a copy of the credit application/contract bearing my signature associated with my account, with no information redacted, NOT my cardmember agreement but the signed contract. 

I understand that under the Truth in Lending Act, Fair Credit Reporting Act and Consumer Credit Act, I am entitled, as a signing party to the contract/application, to receive a copy of any credit contract and a statement of account when I request it. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation and am in a contractual obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
We financed a vehicle through Ally Bank for our son. Our son totalled this car in XXXX and had stop paying insurance on the car. After we filed a Gap claim, as well as paid off the remaining loan of {$17000.00}. We were supposedly getting a measly claim settlement from the gap insurance company, but even though I told them I had paid off the car in full, they mailed the payment to Ally, XXXX XXXX XXXX sent the check to them without letting me know they were doing so, or I would have sent them a copy of the title so they could mail to me directly. I knew it would take forever to get this money, but had no idea how bad it was going to get. 

When I called Ally bank they said I will get a check for the Gap balance in 60 days. I explained repeatedly this was not regarding the balance for the Gap insurance, this was a claim and they already were in posession of my money and had to send to me. I was told the same message by email and by phone over and over. Finally, one day two checks arrived. 

When I tried to deposit it them my credit union ( XXXX ) rejected both checks saying one was not from a real bank and the other was a duplicate check. I went to my other bank, XXXX XXXX, and after a few days they said Ally returned the check for the Gap Balance because it was a duplicate. When I called they said I would get a new check sent, but none was ever sent. Now they say it was a duplicate and they only owed me one check. They recieved 2 checks for the loan but only sent me one.

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 2023-12-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit reporting 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 will attach pdf file I reported to XXXX These inquiries are not authorized. This is fraudulent and request to have the following inquiries removed. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: CITIBANK, N.A.
State: HI
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, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. Along with 15 USC 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( XXXX, XXXX, Equifax ) and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the XXXX payments will result in legal action being taking Remove XXXX late payment. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation