BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-12
Company: Merchants Credit Corporation
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am dealing with this debt collector named " Merchants credit ''. I don't recognize the debt so i asked them for a debt validation letter many times but they did not provide me with it. 
So I called and asked if there is anything to do to remove this unknown debt from my report and the agent was very rude. He did not want to help with anything so I decided to report them here. I also asked for a supervisor to talk to but the representative cut me off the phone. This is very rude.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I dont know nothing about this debt. report as fraud, i contacted the apartment and they advise to file a dispute to resolved this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
XXXX XXXX XXXX My Current Street Address are as follow XXXX XXXX XXXX XXXX 
XXXX SC XXXX After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand as my lawful right, for any names and addresses other that what I have listed above and below be removed immediately as they are not accurate and untrue. 

I have tried numerous time to have this address remove from my credit report XXXX XXXX XXXX XXXX XXXX SC 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 2022-09-28
Company: EQUIFAX, INC.
State: NY
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 contacted XXXXXXXX XXXX, and the three credit agencies. Due to the fact that XXXXXXXX XXXX is putting the total amount owed as my monthly payment. Sent the bank and the credit reporting agencies a copy of the contract and they just keep updating the information somewhere else. But leaving the problem unsolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Stallings Financial Group, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2022 I mailed a request for validation of a alleged debt reporting on my credit from STALLINGS FINANCIAL for {$210.00}. I sent the letter certified and no one ever received or signed for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 1 5 USC 1681. 

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX remove all of the late Fraudulant Charges for the same account # XXXX On all Credit Agencies. 

This company has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1 681 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 15 U.S.C. 16818-2 ( 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 2022-09-28
Company: CITIBANK, N.A.
State: AZ
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:
XXXX processed a hard credit inquiry for an application that was fraudulent. Further XXXX allowed an individual to place a false e-mail and phone number on my account allowing an unknown person to access all of my credit.

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 2022-08-01
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a Savings Account with Marcus by Goldman. I am withdrawing only {$5500.00}. This criminal outfit Marcus by Goldman.blocked my transfer and blocked my saving account without no cause - causing significant signifcant problems. it is my money- not this criminal outfit 's money. Furthermore, criminal outfit Marcus by Goldman countiunes to discriminate and harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: EQUIFAX, 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
From XXXX to XX/XX/2022 I paid total amount of {$3300.00} to Hyundai Finance Co as a part of XXXX XXXX car loan payment ( 72 month payments monthly {$670.00} ). 
Since Mid XXXX I asked to have a copy of the title to transfer car plate from NJ to NY State for a business, the company has neglected with a number of lying and breaking their promises until now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
In XXXX of XXXX, I received rent payments from my roommate through PayPal. Paypal then locked down my account under suspicion of fraud. They gave me a series of task to do to verify my account & fraud activity ( asking for proof of address, ID, bank statements, & etc. ) Despite my cooperation, they still shut down my account. I was told I can not access my money until half a year, 6 month after. They have also told me that I have to wait for them to contact me on how to get my money back from PayPal. It is now XXXX and there is still no way for me to get a hold of my rent money from PayPal. They have also made it extremely difficult to navigate their website to retrieve this money & have not told me any actual reasons to shut down my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi I working with a credit repair company XXXX  keeps telling me this is a debt I own is in the past 7 years. Well this debt is over 9 years old. And now they up dated to 10 something 22. So they can keep it another 7 years. This debt is over 9 year or even 10. This needs come off already. I shouldn't have to pay for this all my life. Because they want to try to keep on my credit report forever you got 7 seven years to try to collect. It past it date on it. I know when it happened. XXXX. We in XXXX in a few days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Hollis Cobb Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had XXXX at XXXX XXXX. XXXX began sending me bills for my portion. I paid {$50.00} and when I went to make a second payment, I could not make one in the portal. I was given a number to call or they ( Patient Accounts Bureau ) called me repeatedly. I finally called them back and they said they have this debt. This was in XXXX. I asked for a proof. They never sent it. I repeatedly asked. Then today, XX/XX/22 I called back because they left another voicemail. I asked for proof again and the rep said they are not required to send another bill. I said you never sent the first one and I am asking for this again because I never got it. She got angry and then said just tell me how much can you pay. She said numbers like {$500.00} per month, {$400.00} per month, {$360.00} and then $ 250 monthly to pay it off. I said, I don't make that amount of money to pay you that monthly. Send me the bill so I can see it. She said no again. I asked for her supervisor. After a XXXX minute hold, she came back and her supervisor would call me back. I said great but do know that if I asked you to validate this debt in writing and you do not provide it after numerous requests I can report you to the state attorney, FTC and Consumer Finance. She said she didn't care.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Self Financial Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
This is the email I sent to Self : I opened an account with Self in XXXX to improve my credit with an auto pay set up for 12 months for a secured amount of {$150.00} per month. Since it was auto pay I never had a late payment. I completed the 12 months in 2021 and I believed I was finished but then saw that in XXXX Self reported a 30 late payment to the credit bureau which now negatively impacts my credit score. It was due to the annual fee on a credit card that I have never used and did not realize that it was a credit card. I understood the card to be a secured visa if I decide to put a secure deposit on it in the future. I have spoken to multiple representatives and the only help I have received was from XXXX in XXXX. He reversed the {$55.00} charges for the annual fee and told me that he would have a letter generated then emailed to me stating that the late fee was waived and should not have been posted to my credit. I did not receive that email and have since been bounced back and forth between departments from representatives who will not assist me. I spoke with XXXX this morning who was very kind and created a ticket as an additional document to go along with this email. I would like this to be resolved. I opened services with Self to positively build my credit and now Self reporting is doing more harm than good. I have attached a screen shot of the only information Self reported to the bureau. I would like a manager or supervisor to please contact me because I feel this needs to be dealt with and corrected from a position of higher authority. For Self to send me a letter stating that the negative report can be removed from my credit will help me without affecting your company so I dont understand why this has been such a difficult issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23
Company: EQUIFAX, INC.
State: MS
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:
Mailed four written request to each credit bureau to dispute an unverified account on my credit profile. Under the FCRA you are required to have a copy of the original creditors documentation on file to verify that the information is correct. Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it.

Received four written letters in return from each credit bureau after each investigation stating that the account was verified.

Despite all four letters mailed I was never provided a copy of any documentation with my signature on it as requested. Yet, the account XXXX XXXX XXXX XXXX still remains on my credit profile unverified. According to the FCRA section 611 ( 5 ) ( A ) you are required to promptly delete all information which can not be verified. 

Date letters mailed : XXXX XXXX XXXX XXXX XX/XX/2022 XX/XX/2022 Account : XXXX XXXX XXXX XXXX # XXXX Amount : {$760.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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 status incorrect

Complaint:
In XXXX of 2022, I contacted the student loan service department concerning accounts showing as late payments and was assured this was not from their reporting. My actual account information from the loan servicer shows the accounts are in National Emergency Forbearance Act and never late. However, the credit reporting sites continue to have this erroneous information on my report. I have requested it to be removed to no avail. Please correct this information as it is causing emotional stress to me. 

Warm regard, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: DISCOVER BANK
State: FL
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 settled my discover account but yet it is still showing an outstanding balance of {$9000.00} when a settled account should have the balance updated to XXXX and reported as paid settled for less than full balance this information is being reported incorrectly on my credit profile and should be updated I have reached out to the 2 burearus the discover credit card account is on being XXXX and XXXX and have not heard about the dispute i have also reached out to discover who is refusing to get issue correct in a reasonable time matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Klarna AB
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Previously I opened a few returns for items purchased using klarna. They extended the payments automatically and with help by company. They were predatory and the Rep did not disclose the amount of late fees, either did supervisor or anyone else notify me of this. Can i have a list of all late fee amounts? Showing for each one the amount and the order reference number coinciding to each. Please provide this or escalate to a supervisor to provide please.

1 ) I would like an itemized list of all late fees charged ; showing the amounts of late fees and the coinciding order numbers.

2 ) I would like to request that all these late fees be waived as a 1 time courtesy for each order. I opened returns and then decided to keep the item. So the return closed. I specifically went into each order if you look that was a return and asked this question. Each rep and supervisor in these chats did not disclose or mention these fees. I specifically asked. This is illegal. Please escalate this request to get me an emailed list of all orders that late fees applied to. Also escalate a refund request for each of these late fees for refund by a supervisor.

3 ) please provide me a copy off all the klarna customer service app chat notes and transcripts on the account printed mailed as well as emailed.

Please do this to avoid complaint to attorneys, ftc, XXXX, cfpb, attorney general and governor as well as the ada. Again, I can not speak on the phone due to a XXXX and was forced to utilize the chat forums that only allow screen shots. No option to copy paste or save print the conversation logs. So can you provide this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I posted an Ad on XXXX to sell my bunk bed frame for {$100.00}. this guy contacted my on XX/XX/XXXX thru email and ask for phone number. I shared my phone number, he text me that he is interest to buy and will send the check and asked me to confirm once I receive the check by mail.I share my residence address for check mailing. I received a cashiers check next day on XX/XX/XXXX amount {$1400.00}. I was surprised with the amount, he told me that the extra amount is to pay the moving company who will be there for pick up.I was reluctant to accept the check but he assured me everything will be fine then I tried to deposit the check thru mobile and ATM but in vain and by the time I reached bank it was closed this happened three days, finally I deposited the check on Sat XXXX in Bank of America. check was cleared on Mon XXXX. I confirmed him that the check is deposited, he said he will schedule the pick up, next day XXXX he informed me that they need payment thru online transfer since I had the money from the check I transfer the money thru XXXX transfer {$1300.00} ( {$1400.00} minus the bed price {$100.00} and additional {$70.00} for the trouble going to bank multiple times ) to XXXX. next day onwards I had power outage due to storm and were out of power for three days, I tried contacting him thru SMS but he did not reply. when the power was restored I checked my bank account on Mon XX/XX/XXXX and found that he got the check returned amt {$1400.00}, I called bank of America to report fraud that I was duped for {$1300.00} they filed a complaint, I also filed complaint with the local police case # XXXX my concern is how did the bank reverted the cashier check {$1400.00} without my authorization, they said they got call from other bank stating it as forged check and it was returned. on the other hand I lost {$1300.00} to this so called moving company. Is it this easy to make online fraud and get away with it? This guy 's number is still have he just blocked my number, I asked police to trace his number but they did not offer any help. I don't know what to do this is my hard earned money which I needed the most during this difficult time of pandemic, I hope to get my money back

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
In XXXX of 2022, I contacted the student loan service department concerning accounts showing as late payments and was assured this was not from their reporting. My actual account information from the loan servicer shows the accounts are in National Emergency Forbearance Act and never late. However, the credit reporting sites continue to have this erroneous information on my report. I have requested it to be removed to no avail. Please correct this information as it is causing emotional stress to me. 

Warm regard, 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 non-monetary relief
Consumer complaint received 2022-12-12
Company: SYNCHRONY FINANCIAL
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On or about XX/XX/XXXX, within XXXX minutes of being made aware of fraudulent transaction occurring, notified XXXX of fraudulent transaction for {$410.00} or thereabouts. Submitted dispute, and not given access to details of dispute nor investigation. Requested details of investigation on XX/XX/XXXX, again on XX/XX/XXXX. Again, today, requested details of investigation and final notice of dispute. Was told XX/XX/XXXX is date of results of dispute or some such. Not provided any document related to investigation, findings, nor final notices.

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 2022-08-01
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX  XXXX Bankruptcy - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has 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 a account without my written instructions

Company response to consumer: Closed with explanation