BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-04
Company: Experian Information Solutions Inc.
State: DC
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:
Dear CFPB, The Credit Bureaus never did a proper " investigation '' according to the FCRA. The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning such items of information The Credit Bureaus did not do this My rights have been violated in the following ways In accordance with the Fair Credit Reporting Act Everything reported has to be 100 % accurate on my credit report The Credit Bureaus claim my account was properly investigated but how is that to be true if the open date is inaccurate, amount of high balance is inaccurate, the date of last active is inaccurate, date of missed payment is inaccurate, payment status is inaccurate, and date last reported is not accurate. These violation of my rights are grounds for removal. My rights were further violated because 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 Fair Collections and outsourcing debt verifications are fraudulent. I have requested a proper investigation into this account and none have taken place. XXXX is attempting to collected a debt for XXXX XXXX that I do no owe. Their documents say that I relocated from their property in XXXX XXXX. When in fact I relocated from this Property some 3 months earlier in XX/XX/XXXX. I have provided supporting documentation. The same documents I once provided XXXX but they refused to remove the fraudulent account from my report. I am not responsible for this debt and have made several attempts to remove it. I made my last full rental payment to XXXX XXXX on XX/XX/XXXX. With no remaining balances. and full months rent of my security deposit was never returned to me. The debt verification provided by fair collections and outsourcing is completely false.

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 2023-11-28
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have deposited XXXX checks via mobile app several times in the past. These checks are reimbursement from my employer, who is a XXXX XXXX company. The money was always in my account by end of day. NOW! Chime is advising that the money is on hold because they want to make sure the check doesnt bounce. Are you kidding me ( when I asked them to cancel the transaction, they decline my demand and say the check has been processed. Something is very off about this process and after readying the complaints about chime keeping peoples money, Im very skeptical.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit 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:
I first discovered the charge in XXXX XXXX, and immediately contacted PayPal Credit regarding the charge of {$140.00}. I reported and requested a dispute filed against this charge. PayPal credit claimed they filed the dispute.10 days later I have not received any phone calls or written communication regarding my case and notice the charges were still on my credit card. I called PayPal credit/ or its bank and asked for assistance at least 7 times. I was placed on hold for more than 10 minutes, I was transferred back and forth and two supervisors hung up or rather I kept getting disconnected. Finally I reach someone who promised to handle the issue. They closed my card issued a new one.and took off the fraudulent charges. By next XX/XX/XXXX they put the charge back on my card without explanation. The way I have been treated by this company customer service agents and managers was disappointing, rude and lots of fabrication. The second time I called back one agent claimed I never filed a dispute. I writing you because PayPal Credit refuse to investigate and handle my claim properly. And I am still being billed the charges and interest on a purchase I did not make.

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 2023-11-28
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I was stolen {$3000.00} from PNC bank in XXXX TX on XX/XX/23 : I withdrew {$30000.00} from PNC bank and planned to deposit in another bank less than one mile away. The teller XXXX in PNC bank gave me three stacks in one TAPED envelop and told me there was {$10000.00} cash in each stack and my bank account was deducted XXXX dollars. 

However, when the teller in another bank opened the envelope ( I drove directly from PNC to the other bank ), she found out there were only {$27000.00}. I went back to PNC bank right away with the cash and envelope and explained this situation to both the teller XXXX and the bank manager XXXX. The manager and the teller used two money counters to recount those cash and found two counters gave different numbers. The one used for counting my cash earlier malfunctioned. I was told by the bank investigator it may take 30-45 days for the internal investigation, but that's too late, the 2nd bank may already erase their camera recording after one month. Could you help me with this situation? Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: LEXISNEXIS
State: MD
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:
Last year, I submitted a dispute to Lexis Nexus regarding the inaccurate Bankruptcy reporting to my consumer report.

I asked them to verify the furnisher who reported this information on me. 

They confirmed they received the information from PACER. 

I then reached out to XXXX to confirm how they received this information and how they verified it was accurate. 

I also reached out to the court listed to ask if they provided this information to XXXX or Lexis Nexus. 

The court confirmed they do not provide any information directly to consumer reporting agencies or XXXX. They also said they do not verify the accuracy of information being reported. 

XXXX  is not the entity who can verify this information being reported accurately. Because they are not the original source of this information. Only the court can do that. 

Since the court has confirmed that they did not provide this information to Lexis Nexus. They also confirmed they did not verify any information with Lexis Nexus.

When I reached out to dispute this information, Lexis Nexus completed their re-investigation and responded back saying this information has been verified.

Since the court ( the original data furnisher of this type of information ) did not furnish this information to Lexis Nexus nor verify this information.

I need this inaccurate bankruptcy removed from my consumer report, it is reporting falsely and tarnishing my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: TX
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-09-26
Company: Experian Information Solutions Inc.
State: GA
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:
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 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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. 1681s-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 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 2023-11-28
Company: SYNCHRONY FINANCIAL
State: DC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
My former dentist, XXXX XXXX XXXX, recommended XXXX to prevent further XXXX XXXX, so I agreed ( for medical reasons only ). Her receptionist provided me with a treatment plan ( attached ) that noted my insurance would pay $ XXXX ( which turned out to be false ) and the remaining $ XXXX could be paid off over 24 months with no interest at $ XXXX. I was confused when I subsequently receive a credit card welcome packet from CareCredit, but XXXX XXXX explained that financing was just going through a third party. I set up {$160.00} on monthly autopay in my XXXX XXXX  XXXX bill pay center and forgot about it, based on the communication that that monthly amount would pay it off in 24 months. I have, as of this week, come to learn the dental office had opened for me a deferred interest credit card ( a product completely unfamiliar to me ), and the $ XXXX quoted was just shy of the total monthly amount needed to pay off the balance in the 24 month " promotional window. '' Looking back at my online statements in XXXX, I see now that CareCredit alerted me to the " expiring promotional window '' in XX/XX/XXXX, but I didn't see it because I was using autopay and my CareCredit statements. When it was almost but not quite paid off ( ~ {$370.00} balance ) in XX/XX/XXXX, CarerCredit then hit me with {$1800.00} in deferred interest charges -- -more than half of the total original purchase. I only caught this, though in XX/XX/XXXX, when doing an audit of our family 's bills. I called Synchrony Bank ( CareCredit ) on XX/XX/XXXX to clarify the interest amount and called back on XX/XX/XXXX to repeat my request for help and explain the misunderstanding and was told there was nothing they could do. To avoid any further issues, I have since closed my account and paid off the balance ( $ XXXX ) ; however, I think this credit card company should be held responsible for the lack of appropriate information provided by its dental partner, in this case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC 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 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
The credit bureau violated my privacy rights and allowed XXXX XXXX XXXX XXXX to place negative reporting information against me on my credit bureau file that is listed with their company under my identity/social security number without my permission. According to 15 U.S.C. 1681, 15 U.S.C. 1681 i ( a ), 15 U.S.C. 1681 Sec. 602 A and 15 U.S.C. 1681 A Sec. 2, I have the right to privacy and these Federal Laws state that a consumer reporting agency can not furnish any account without my written permission and I have not given this credit bureau permission to furnish this information on my credit report. They have violated my credit reporting rights. And, furthermore, 15 U.S.C. 1681 s - 2 ( A ) ( 1 ) ( f ) states a person should 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, which it is. Therefore, XXXX XXXX XXXX XXXX has also violated my rights.

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 2023-05-06
Company: Experian Information Solutions 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:
Hi I hope all is well!

Recently, I did an investigation on my credit report which caused me severe stress and depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2023-11-28
Company: GOLDMAN SACHS BANK USA
State: IA
Product: Credit 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:
I tried to cancel my XXXX account and could not get through to the merchant and sat on hold so I. Hanged my credit card number to stop them from charging it. Goldman Sachs let them charge it anyway for {$99.00} on XX/XX/XXXX for one year payment to XX/XX/XXXX. I contested the charge and the merchant cancelled the account and it remains in a cancelled status. Goldman then resolved the dispute in favor of the merchant even though the account is paid to XXXX yet now cancelled. Why am I paying for services cancelled by merchant. I have screenshots as of now showing there is not account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Delays with the closing process

Complaint:
Since on or about XX/XX/XXXX have attempted numerous times to request a payoff quote and the payoff process. I have sent an email, a request form provided on the company 's website by mail ( twice ). I have called at least 20 different times to talk to a person and was only able to get to a person one time. I was told I would receive an email immediately ( that was on or about XX/XX/XXXX. Still no email. It is extremely frustrating that I can not seem to get to talk to a person no matter how many times I have called. I have tried online as well. 
The company is Roundpoint Mortgage XXXX XXXX XXXX XXXX, NC XXXX The only phone number they provide is XXXX This is also the only number the XXXX XXXX XXXX has as well - I did file with them and apparently there have been a number of similar complaints to them. I did not choose this company and was transferred to it. All I want to do is to payoff my mortgage!

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 2023-11-28
Company: Bridgecrest Acceptance Corporation
State: NY
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:
Bridgecrest is holding my title hostage by not releasing the lien on the title. I've been calling for over two months, the loan is paid off since XX/XX/2021, I never received a lien release and they refuse to do anything about it. I've emailed daily, no responses, I've mailed letters with no response, the truck was traded into dealer with the lien they have called and won't release it. Last night they said stop calling we can't release the lien to you, or the dealer, and wouldn't let me talk or explain anything. Who will they release it too? They won't release it to any of us and won't listen to me when I say release it to us or the DMV. I don't know what else to do

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My PayPal account was hacked. Through a series of complaints with CFPB it was stated that all funds were returned. This is incorrect. BecauE of an error on PayPals part there was approximately {$10000.00} of {$14000.00} of funds returned still leaving a balance. Additionally the funds that were returned were revered by both PayPal and the bank causing me to never receive funds as stated. Because of deceptive business practices I was forced into arbitration with a preselected arbitration firm and an arbitrator who is a customer of PayPal. Due to the violations of due process my claims were denied.the credits PayPal issued were inaccessible since account was limited. PayPal is claiming funds were withdrawn which is false since bank account was closed as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: ENCORE CAPITAL GROUP INC.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The account in question was written off by the original creditor from charge-off in XXXX, I received a 1099C and paid this amount through means of taxes from filing as income ( as required ) when received. 

On XX/XX/XXXX, I received a letter from XXXX XXXX  stating that on XX/XX/XXXX the account was sold to Midland Credit Management. 

Midland failed to send the appropriate information or any communication of any kind until XX/XX/XXXX ( which is past the 5 days ) of that date of sale. 

The materials requested by myself were as follows : - Original contract between myself and XXXX XXXX  with signature - The Purchase Agreement between myself and XXXX XXXX  with my signature - Midland 's License/Agreement to do business within my state of residence ; and if the sold account belongs to any other company, what is the licensing/contracting agreement between that company and Midland Credit Mgmt. 
- Any contractual obligation with Midland with my signature on it annotating I am legally obligated or in any binding agreement with Midland to pay a charged off amount which was 1099C'ed. 
- A itemized breakdown of any presumed charges on the account which includes interest charges on the account, any additional fee 's added to account throughout the life ( to include after default/charge off ) ; the last date a payment was made on this account - Provide any proof of service for delivery of items to validate/verify receiving of these documents ( which they have no sent ). 

On XX/XX/XXXX, a separate letter was sent ( with none of the material above given ), as a " Pre-Legal Notification '' ( which in the context of the wording can is threatening legal action ) which is a direct violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-11-04
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation