BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10
Company: ACIMA CREDIT, LLC
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: Was not notified of investigation status or results

Complaint:
I have attempted to make contact with Acima XXXX XXXX XXXX to validate this debt they claim I owe. I haven't received any type of verification, response, etc. but Acima can verify with XXXX on XXXX XXXX, 2022 picture attached below. Why can not they reply to my validation letter that was sent XXXX XXXX, 2022? ( Picture attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My customer filed a claim with his credit card for item not delivered a few hours before the item arrived then promptly retracted it when the product showed up later that day. The buyer and his credit card company have been open and honest in their attempts to resolve the situation and complete payment. They require a phone call from paypal that paypal still has n't done. Paypal opened a case, levied fees against my seller account, and put the money from the transaction on hold " while they investigated ''. Later, I started getting collections emails from paypal regarding this case. They threatened to send the entire amount to collections against me, the seller, if I did not provide money for them to hold " while they investigated ''. Their agents on the phone reiterated that they could not solve the problem in any other way than for me to pay to cover the full amount on hold. I have obtained copies of the buyer 's credit card statements showing where he was initially charged for the item ( {$6600.00} ), then was refunded, then charged again on XX/XX/XXXX. I have spoken with XXXX XXXX on the phone and they confirm that they have both charged my customer and rendered payment to paypal over a month ago on XX/XX/XXXX. It has been 45 days since paypal was paid by XXXX XXXX and two weeks since I put {$6600.00} on my credit card to avoid having a bill in collections despite the fact that the case was still, somehow, undecided, despite the buyer agreeing that he received his items. As near as I can tell, paypal is holding both my {$6600.00} and my customer 's {$6600.00}, and has been holding it for weeks while failing to answer my questions on the phone or give any real indications that the case is moving anywhere. They have threatened me with collections and reporting this to credit bureaus to pressure me into paying a bill that they have already been paid for. This callous double billing and holding of funds is consistent with the worst practices of reprehensible companies. I 've attached copies of the customer 's credit card statement to prove that he has paid and that his CC company has rendered payment to paypal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: MD
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 XXXX  a term regarding HELOC and sent the link with a definition to my husband. Somehow, a lender contacted my husband trying to make a sale. My husband stated " let me talk to my wife '' and ended the call. This lender, sent information to my husband regarding options and ran both of our credits on XX/XX/22. 

I have never spoken to this gentleman to give him permission and my husband did not give permission either. 

The persons name was XXXX XXXX ( Loan Officer ) with 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 2017-08-26
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I could not find the actually problem I am having on the list of problems. I am having a problem with their automated dialer dialing me sometimes up to 8 times a day. One or 2 calls a day with a voicemail would be suffice to let me know I missed my payment. In this case it was an accident, I forgot to log on and make the payment and although I am glad they reached out to me to let me know I owed them still, I am very unhappy that I recieved 8 phone calls withing a 24 hour period and when I did get home from work and was able to answer the XXXX phone call they hung up without an explanation. I consider this harassment. Edit : While typing this out I went to log back into my account. They had removed my phone number from the system. So now I can not log into my online account without adding my phone number back onto the account. This in turns gives them permission to call me. I am sure they removed the number after I complained about the number of phone calls I had received. Seeing that I have paperless billing with them and can only pay my bill online I now feel like I am being forced to accept them calling me every 3 hours in order to be able to use the card, or to pay it.

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 2017-03-20
Company: CASH, INC.
State: MI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I am receiving emails stating that I owe a payday loan from   XXXX  , which i have requested documentation of, and they have refused to provide. I am not receiving emails stating that there is a " pending arrest warrant for check fraud ''.   The company appears to be " CASH INC '' with an email address of  XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26
Company: Netspend Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
Netspend ( XXXX XXXX XXXX XXXX XXXX ) sent me an UNSOLICITED prepaid debit card. Since I have had problems with someone attempting identity theft before this greatly concerned me. 

When I called the company they requested either the full card number or my social security number ( which I would NEVER give over the phone ). I was afraid to give them the full card number because I was afraid they would activate it. 

In very small print ( 5point or less ) they state that this was not requested by anyone but was sent because " you indicated interest in receiving offers similar to this one ''. 

Sending unsolicited credit cards is against the law. Apparently, since debit cards and prepaid debit cards were not available when the law was passed this allows companies to skirt the law. I believe this is unethical and irresponsible in the age of identity theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Numerous automatic calls from Wells Fargo Home Mortgage every hour on the hours a day.

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 2017-08-26
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I opened an American Express credit card in XX/XX/XXXX, I made the payments monthly sometimes twice a month. In XX/XX/XXXX my mother XXXX, I was unemployed, I contacted the company and made every effort to pay but could n't. During this time, the company assured me that I had insurance for the card and that this insurance could cover the payments until I was able to find a job. Subsequently, the account went into charge off status and to this day, even though the card was in this status American Express continues to put on my credit report monthly that my account is late, even though the account is closed and in charge off status. This has also prevented me from refinancing my student loans which has extremely high monthly payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-29
Company: NRA Group, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was called on Wednesday XX/XX/26 and a woman from National Recovery Agency called and asked for me. I verified my name, and she asked me an incorrect address, I stated no and she replied oh that may be why and gave me her mini Miranda letting me know it was an attempt to collect a debt and disclosed all of my medical information without a proper piece of verification and on top of that seeming very rude. With being I victim of having my information compromised in the past and working in a collection agency myself I know not just a name is a proper and only piece of verification. There has been many times to where people have called pretending to be me to see what my business is, but fortunately companies who know the correct way to verify a consumer did not disclose any information without a correct verification.

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 2017-08-26
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
I contact the company XXXX XXXX XXXX XXXX last year to let them know that the correct information was not shown paid and settle and they still have not put the right information on the credit report Experian

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 2017-03-06
Company: Bierer Law Group, P.A.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
garnishment and false judgement no notification prior to garnishment filed a fradulent judgement with no notification or contact

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-31
Company: Radius Global Solutions LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Radius Global placed a negative collection account on my credit bureau report with a delinquency date of XX/XX/2019. I do not know who this creditor is or what debt this is as i have received no notification including the opportunity to request the validity of debt debt before this negative information was placed on my credit bureau report. These tactics are deemed unfair and deceptive under the XXXX governance, as it has caused unavoidable harm, including but not limited to a decrease of my credit score. These tactics are also a direct violation of Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I put a downpayment of {$500.00} on a secured credit card with Discover. 

On XX/XX/XXXX, I noticed that the credit limit had increased, I was not notified of this change. 
I was told that a check had been mailed on XX/XX/XXXX and that it would be received in 5-7 days. That check was sent to an out of date address. 
On XX/XX/XXXX, I notified an agent of my updated address. 
On XXXX, I was told that the previous check was stopped, a new one was mailed, and I would receive it in 3-7 business days. 
On XX/XX/XXXX, it still hadn't arrived. I was told that it would now be up to 30 days from date of request. 
On XX/XX/XXXX, I was told 13-17 calendar days, but to allow for 30 days from the date of request ( the request was submitted on XX/XX/XXXX ). The agent could not confirm if the check was sent. 
On XX/XX/XXXX I spoke to another supervisor and was told after 13-17 calendar days from date of request, and to ask for a deposit to a bank account if not received. 
On XX/XX/XXXX, another supervisor took my checking account information and stated that he had begun an ACH transfer and that I would receive the {$500.00} to my bank account within 3 days. When that didn't happen, I contacted them again, it had never been processed. 
I spoke with an agent the week of XX/XX/XXXX who told me that my check in fact had not been mailed on XXXX, but XXXX, if at all. 
I have spoken to dozens of agents whom have mostly all given inconsistent time frames and false promises. Throughout this process, I have gone into debt with this company because I have not been given access to the funds that I am owed. They simply try to sell me on new services that they offer and to recover {$38.00} from me when I am owed {$500.00} from them. Despite constant contact, I continue to be given false information or am completely ignored. I can no longer use the chat customer support feature because the agent left my chat open while transferring me to a supervisor. I have never left a survey response because I have learned of the way customer support representatives are treated if they don't meet the company standard of positive response percentages. 

As of writing this, I have been waiting 38 days. 

I spoke with another supervisor today and was told that the ACH transfer will be submitted today, but but it will take up to 10 days instead of the 3-5 quoted by two other supervisors. I asked for the money to be credited to my account, but was notified that they no longer offer that option. In XXXX, when Discover had to refund their customers {$120.00} million for deceptive credit card practices, this was an option. 

I am mystified by the inaccuracies, inconsistencies, and sheer incompetence that I continually endure at the hands of Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
State: OK
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 the consumer, and in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, Experian, and XXXX. I have informed the consumer reporting agencies XXXX, Experian, and XXXX by mail of the specific ac-counts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ). Block and remove the ac-counts that I have requested to be removed from my consumer 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