BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-29
Company: Paypal Holdings, Inc
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Confusing or missing disclosures

Complaint:
PayPal and XXXX. 
Here is the story in details, and I am seeking justices ...... 
What happened that I have bought two items from an XXXX seller. I paid for these items using my PayPal service. But when the time passed and items was not delivered in the time frame I waited another week but I never revised the goods thus I did submit a request for full refund, XXXX ask me to wait little-bit longer even though I did wait more then I supposed, when I discovered that the tracking number was fake I decided to contact PayPal to help, but did notice that PayPal service keep postponed the respond to my case, every time when the decision date comes from them to make the final say the extend the time frame without any concerned that there is a time of essence, noticed that after I send them a compliant clearly indicate that what happened it goes against the Business code of ethics that set to be the guiding principles and sure it was created to ensure that all business organization and its employees to act with honesty and integrity in order to complied with the Business code of ethic, what happened that PayPal react been more hostility after receiving my complaint and on purpose keep extend and delay the decision day showing complete challenge against me believing there is nothing I could do to force them to be fair when dealing with victims like me in that case since we used their service for protection as they claimed to be, but the injustice was obviously shows in their response. This unfairness must have an end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-29
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I check my credit report seen a derogatory mark on credit profile from Harris & Harris Ltd a company I do not know and never did any business with

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I opened a loan with Santander XX/XX/XXXX and was financed XXXX at 16.99 % interest rate on my loan for 72 months which should equate to {$26000.00} in finance charges equaling a monthly payment of {$370.00} and I have been paying {$370.00}. I made my payments accordingly over the next 4 years. I tried refinancing my loan in XX/XX/XXXX as well a trade in my vehicle around the same time. Come to find out I was severely upside down and no one would finance me a new loan with my vehicle as a trade or refinance because my debt owed was to high. At that time I allowed my vehicle to repossessed due to the amount owed. I feel I am a victim of a predatory lending from Santander and now my credit history is be slandered and portrayed worse than it actually is by Santander as well. I have disputed the reporting of my account as per my rights of FCRA due incorrect payment history reporting, first date of delinquency on my account repeatedly reported inaccurately, a charged off account reporting open 9 months after repossession, as well as being billed car payments after the repossession monthly adding further debt to my past due amount. I paid over {$15000.00} over the four years that I owned the vehicle and recently discovered that I have been charged unfairly resulting in a higher car payment and erroneous finance charges I have paid more than enough and I been subject to unfair damages. Per state law I am to receive a notice after repossession regarding the sale of my vehicle as well as a statement after the sale, I have did not receive any of the required notices that I am entitled. Due to the unfair predatory loan and false credit reporting action I am requesting full deletion of Santander accounts on are 3 major credit reporting agencies ( XXXX, XXXX, and XXXX ) I have enclosed some documents for your review take note of the federal truth in lending section in regards to my finance charges and monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23
Company: Netspend Corporation
State: IL
Product: Prepaid card
Sub-product: Payroll card
Issue: Adding money

Complaint:
I am trying to transfer money to another account. I have in writing from Netspend that they do nit transfer to other Netspend accounts or to external accounts. They have n't given me any info on how I can transfer money to another account. This seems like the bank is false advertising transferring funds to accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19
Company: Receivables Performance Management, LLC
State: IA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Receivables Performance/XXXX XXXX XXXX Scam, con-artist company that calls my house all day, every day. I am deaf but they continue to call and now there 's a collection on my credit report for a bill that 's not mine. I feel like I 've been taken advantage of. I do not owe XXXX money for services they did not provide. I actually received a letter apologizing for their poor broadband performance but no other effort to rectify the problem or make it right. I had to retake a class that cost me $ $ $ because XXXX 's ISP connection had another outage during the final exam. ( I took the class online ) I moved onto a different ISP because they were not providing services I was paying for, yet they continued to try and bill me for when I was not using their ISP or bundled TV service. They refused to allow XXXX to port my new number and held up the process. They exhibited extremely poor service and failed to follow through with promises on a regular basis. Now these scam artists are calling all hours of the day and while my elementary school aged son is asleep in bed for school. The other collections via XXXX have been removed from my report, but this new one just popped up via XXXX and XXXX. 

XXXX and Receivables Performance are XXXX companies that need to go out of business.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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 XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX & Account # XXXX, XXXX XXXX XXXX Account # XXXX 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
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX & Account # XXXX, XXXX XXXX XXXX Account # XXXX 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 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 2020-04-06
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I miss one payment for XXXX XXXX im XX/XX/2020, I have no intention of not paying the bill I am also a XXXX  based In hospital and been working 24 hours fight for Coronavirus and my score drop 37 points for one month miss that is XXXX ridiculous I need my score back asap

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 2016-07-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery Associates is averaging two calls a day to my home phone. They are always from different numbers so I am unable to block them. There is never anyone on the other end when I answer the calls so I have stopped answering them. 


I would like to stop this harassment. This debt is well passed the statute of limitations of four years in my state. ( Pennsylvania )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-29
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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 status incorrect

Complaint:
Payment is due theXXXX of each month payment was made theXXXX. XXXX reported to credit reporting bureaus that account was 30 days late. It was not.

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 2015-04-27
Company: Unlimited Progress Corp
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have medicare so there is no reason an emergency visit to the doctor should be on my credit. Please help me take this off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: EQUIFAX, INC.
State: MO
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/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: WELLS FARGO & COMPANY
State: CT
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft WFDS Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.

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 2022-05-04
Company: EQUIFAX, INC.
State: WA
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:
My credit file at Equifax has an incorrect birthdate. Equifax was first notified about this on XX/XX/XXXX. In order to correct this, Equifax requested copies of my driver license and social security card to verify my identity and birthdate. Copies of these documents were faxed to Equifax on XX/XX/XXXX. Equifax then sent a me letter stating that the birthdate in my file had been corrected. This letter had a confirmation number and was dated XX/XX/XXXX. On XX/XX/XXXX, I contacted Equifax by telephone to lift a credit freeze, and I learned that the birthdate in my credit file was still incorrect. Equifax had no record of the letter or confirmation number it had sent me on XX/XX/XXXX. Equifax told me they would investigate the reason they had the incorrect birthdate on file. On XX/XX/XXXX, I received a letter from Equifax stating that they had verified that the incorrect birthdate was correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: Phoenix Financial Services LLC
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:
I have been disputing this account for some time now with PHOENIX FINANCIAL. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they have not responded. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX XXXX  XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: IQOR US INC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company has added this as a collection to my credit report. Under no circumstances or time did I ever have an agreement with the original creditor for services or goods. This collection has never appeared on my report until now. I have never even heard of the original creditor before this point. They are in violation of the Fair Credit Reporting Act.

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 2016-09-11
Company: EQUIFAX, INC.
State: PR
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
On XXXX XXXX, XXXX and XXXX XXXX, XXXX I 'm requesting a reinvestigation of a dispute related to my credit. Unfortunately this dispute was not resolved as provided by law. Only was removed the account XXXX # XXXX****based on the XXXX and the Consumer Financial Protection Bureau ( CFPB ) settlement announced at XXXX, XXXX to resolve allegations that XXXX XXXX XXXX Bank XXXX known since XXXX XXXX, as XXXX Bank XXXX Other account with the same condition of the removed account, XXXX XXXX # XXXX, was not removed. I am also requesting that the information be updated immediately because is not done despite my multiple re investigation requests. This irresponsibility on part of the Equifax caused me several emotional, economic and job problems despite having few rights under the Fair Credit Reporting Act. As you requested, I, m enclosed additional relevant information that support this dispute.The XXXX and the Consumer Financial Protection Bureau ( CFPB ) announced at XXXX, XXXX a settlement to resolve allegations that XXXX XXXX XXXX Bank, known since XXXX XXXX, as XXXX Bank, engaged in a nationwide pattern or practice of discrimination by excluding XXXX borrowers from XXXX of its credit card debt-repayment programs. The settlement resolves claims by the department and the CFPB that XXXX XXXX violated the Equal Credit Opportunity Act ( ECOA ) by excluding borrowers who indicated that they preferred communications to be in XXXX or had a mailing address in XXXX XXXX from XXXX credit card debt-repayment programs. The agreement is a joint fair lending enforcement action by the department and the CFPB and is the federal government 's largest credit card discrimination settlement in history. Federal and State laws require that credit reports must be 100 % accurate, complete, and verifiable. I am concerned that you included the information below in my credit file in failing to maintain reasonable procedures to ensure accuracy in your credit reporting. As you can observe, the information was not properly investigated when I disputed those account in various occasions. Is your responsibility investigate and update the information as I 'm requested in the several disputed that I submitted to your credit agency. 

Another situation with those accounts is that the information reported by XXXX is completely inaccurate, and is a very serious error in reporting. As you can see, the provided information is incomplete or is incorrect. Is contradicts information in several areas of the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: Santander Consumer USA Holdings Inc.
State: NJ
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:
I recently reviewed a copy of my credit report and noticed there is a debt from this company with claims that I owe for goods/services/loans issued on my behalf. I don't remember receiving any such things and would like to have the company verify this as such. I sent a request for validation and have yet to get a response to my dispute from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I have contacted PayPal through XXXX, XXXX, XXXX and XXXX since last week that I NO LONGER have access to my old phone number ( XXXX ) XXXX, which is what they use for their " Quick security check '' page, but they keep INSISTING that I should still have access to my account that is associated with email XXXX regardless. 

This is not true. 

They are GASLIGHTING me. 

As long as they link my old, OUTDATED phone number ( XXXX ) XXXX with my XXXX, then I have NO access to this PayPal account!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: DriveTime
State: SC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I have tried to reason with XXXX XXXX Drive time about my overdue balance since the car was repossessed, all I wanted is for it to be removed so that it won't affect my credit score anymore.i was XXXX XXXX XXXX XXXX and couldnt not work to afford the payments while hospitalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: EQUIFAX, INC.
State: NC
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 credit report contains information to be excluded from my report based on the FCRA. 
15 USC 1681a ( 2 ) ( A ) ( i ) EXCLUSION : except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; CONSUMER : means an individual.

PERSON : means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

Transaction : Credit Limit Experience : Reporting of Monthly Payments, Utilization and Remarks. 

( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Credit Card : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

EQUIFAX, XXXX, AND XXXX my Social Security Card was used to grant extension of credit or money and according to the law my consumer report should contain any account, transactions or experiences where this card was used.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: U.S. BANCORP
State: VA
Product: Credit card
Issue: Rewards

Complaint:
Credit card company changed terms and conditions of benefits offered immediately after I paid the annual fee. Previous terms allowed for XXXX free night after a minimum of a XXXX night stay, essentially allowing a XXXX for XXXX, or 50 % reduction in points needed on any properties. The new offer only allows for XXXX free night per calendar year on US properties only. This change has devalued the points and I would not of paid another annual fee had I known this would happen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief