BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-02
Company: GOLDMAN SACHS BANK USA
State: FL
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:
Sunday, XX/XX/XXXX, my Apple credit card balance was around {$510.00} ; I paid {$390.00} towards the card to pay the remaining balance off in the coming week, possibly even the week after. The original balance, which was {$510.00}, which was due on the XXXX XXXX XXXX. However, I am a full-time XXXXt and do not want to be against the wall in credit card payments so close to the end of my XXXX XXXX, so I like to pay off my cards on time and have never had any issues with any of my cards until now. As I said, I paid {$390.00} towards the card but was charged twice instead of just once due to a glitch on behalf of Apple 's system. My original thought was that since XXXX times two is well over the XXXX dollar balance on the card, on top of the fact that only ONE of the XXXX dollar payments was taken off the credit, I believed that Apple would recognize the error and waiver the payment and forget about it, I was wrong to assume this. Come Tuesday, XX/XX/XXXX, I got an email stating that my bank account balance was at an overdrawn number of - {$340.00} and some change ; my balance before I made the payment to Apple was in the mid XXXX, so there was no reason for my account to be overdrawn after making ONE payment of XXXX dollars. I first asked for full reimbursement of the XXXX dollars, and I was told I would receive the XXXX dollars that I was falsely charged, and this did happen today, XX/XX/XXXX ; I see that I received the XXXX dollars in my bank account, but my card balance is XXXX dollars over what it should be, meaning that the XXXX dollars I never paid for but was charged for anyways have suddenly magically appeared into existence. My frustration is with the lack of a solution and the inability to fix the simple issue of Apple 's credit card system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Affirm Holdings, Inc
State: TX
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:
Someone claiming to be me with my information has made an account with affirm and took out multiple transactions with money that hasnt been paid back XXXX {$410.00} XXXX {$270.00} XX/XX/22 - XX/XX/22 {$43.00} XX/XX/22 - XX/XX/22 {$26.00} When I called affirm inc, the first associate did not provide assistance after claiming that this was an identity theft even after mentioning that the phone number I called from is invalid for me because it was filed under someone else. The second associate informed that the situation was escalated to the correct department and took action to the best of their ability to prevent further issues

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: OneMain Finance Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I recently see I might be apart of a class action lawsuit, against " One main financial '' I'm not really sure about it. But, I did receive a loan from that company in 2016. 

Please get back to me when you can. 

The amount was for {$7500.00} XXXX XXXX I'm a XXXX  resident. 

Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: CL Holdings LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed!! Immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 2023-06-02
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company has been sent a cease and desist order for a debt that is not mine. Please assist with this issue as this debt is not mine nor do I have any contract or binding relationship with this company

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 2023-06-02
Company: COMMERCE BANK
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
Commerce Bank filed 1099c that does not show the breakdown of the amounts for debt cancelled- principal versus interest. It is important to breakdown the total into these two categories as not all amounts are taxable. Looking at the way Commerce Bank filed 1099 C with no breakdown for principal and interest all amounts are taxable. It is wrong to list the amounts as they did on 1099C as a lot of it is due to interest. This must be reflected on 1099c form.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Asset Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The collection Company, Asset Recovery Solutions, agreed on a settlement amount along with a monthly payment. They sent me a link to an account with the recorded balance of that amount. This week they said I owed on the full amount. Now the older links no longer work and the ones that do only show the balance of my payments toward the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: M&T BANK CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had 3 accounts and think started to get put on my XXXX XXXX that was not me and then I finding out that they let them do this with out a card number a email address only I ask how is that possible and con I told XXXX and XXXX and XXXX to stop letting that happen and then didnt even do it its really annoying and sad I had savings count all wiped out and I dont no what to do

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 2023-06-02
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Chase bank filed 1099c that does not show the breakdown of the amounts for debt cancelled- principal versus interest. It is important to breakdown the total into these two categories as not all amounts are taxable. Looking at the way Chase Bank filed 1099 C with no breakdown for principal and interest all amounts are taxable. It is wrong to list the amounts as they did on 1099C as a lot of it is due to interest. This must be reflected on 1099c form. 

I attempted previously to show the shortcomings of their reporting practices and expect the final 1099C to be indeed the most correct 1099c per current regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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  IS REPORTING FALSE INFORMATION TO THE CREDIT BUREAUS AND CAN NOT VERIFY MY PERSONAL INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: CA
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:
I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the Experian and XXXX  credit bureaus must check these inquiries ( A ). It is unacceptable to list these inquiries as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 15 USC 1681. 

XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I am disputing the presence of unauthorized credit inquiries on my credit report. Several inquiries were made in violation pursuant to Permissible Puruse 15 US Code 1681b ( a ) ( 1 ) ( 2 ) and without my consent or knowledge, which is a violation of my privacy rights and may negatively impact my creditworthiness.

I have not provided authorization for any individuals or institutions to access my credit information or initiate credit inquiries on my behalf. These inquiries were made without a permissible purpose, as defined in 15 US Code 1681b ( a ) ( 1 ) ( 2 ) and under section 604 of the Fair Credit Reporting Act ( FCRA ). 

I request an immediate investigation into these unauthorized inquiries and their removal from my credit report. Kindly update my credit report accordingly and provide me with an updated copy once the necessary modifications have been made. 

The unauthorized credit inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I expect a prompt resolution to this matter in compliance with the FCRA, which stipulates a response within 30 days from the receipt of this letter. 

If you require any further information or documentation from me to facilitate the investigation, please contact me at the phone number or email address provided above. 

Thank you for your attention to this dispute. I trust that you will handle this matter with the necessary diligence and professionalism.

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 2023-06-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase Bank overdrew my accounts by {$2000.00} as a result of their own accounting issues. In consequence, I was charged late fee for late credit card payments to the same institution even though I had auto pay. And they have restricted access to my account and money. I have no way to purchase necessities ( food, medicine, travel to work )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
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:
Mr Cooper has messed up my VA loan. They started charging me for property taxes even though I am exempt from property taxes. It messed up my escrow and they started charging {$500.00} extra. Now they are saying I am behind and have totally messed up my payments and credits score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Paypal Holdings, Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
To my surprise when I went on to my PayPal account, I had a PayPal credit attached to it with a {$4700.00} credit limit. I reached out to PayPal credit and they told me my account is in good standing and ready to use. I tried sending funds to a family and friend. I tried to purchase an item both using paypal credit and it won't show up as a credit option. PayPal credit is set as my preferred payment option. I spoke to PayPal many many times and they aren't fixing it. They are giving me all kinds of excuses and resolutions but nothing works and they keep passing on to paypal credit Paypal credit says " all is good on their end and its a PayPal issue '' I have this money available to me but PayPal is not allowing me to use it. What's the point of giving me credit that I can't use. Its been two weeks now of back and forth with PayPal and no resolution. They keep telling me to use another form of payment. Why do I need to use another form of payment when they gave me PayPal credit, its now on my credit report that I have this credit open but they aren't allowing me the option to use it because they won't take responsibility for the glitch in the system. 

I did some research and this issue is happening with many PayPal consumers. They are all complaining about the same issue on the PayPal forum. 

I've been talking to them since XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
SouthWest Credit Systems partial Account # XXXX Was sent USPostal Certified Mail on XX/XX/2023 with no response to settling the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
someone stole my credit card and used it, it was a capital one credit card. Capital one took care of that immediately, but then on XX/XX/XXXX I got a capital one hard inquiry on my XXXX that I did not inquire about, I called to get that taken care of but they told me the inquiry wouldn't come off for over 100 days. 

on XX/XX/XXXX I got a hard inquiry on my XXXX  from XXXX  XXXX XXXX, I called them to get it taken care of and got told the same thing and that they will be placing a fraud alert on my credit. 

XX/XX/XXXX I received a fraud alert from XXXX a credit pull was attempted by a bank named XXXX XXXX 

back in XXXX XXXX I received a letter in the mail letting me know my information had been apart of the XXXX data breach, so I'm afraid this could have something to do with this unfortunately. 

I have since then locked all 3 credit bureaus but whoever is trying to steal my identity is calling these companies claiming to be me, trying to log into my XXXX  account I'm assuming to unlock my credit, and going as far as posing as the department of real estate sending me a letter claiming they need my finger prints, I called the DRE to confirm this letter and they confirmed it was NOT them and to please disregard the letter they never sent that to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: Regional Management Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
This company harasses you when your payment is due starting on the day it is due. They call on average 3 times a day. Even after speaking to someone in the office letting them know I will pay the payment they continue to call multiple times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been a customer in good standing with Capital One for quite some time. In XXXX of XXXX  my email accounts and personal information was hacked. The hackers immediately accessed my bank accounts and credit card accounts, specifically Capital One by taking over the mobile app, setting up additional user names and using the virtual card to make fraudulent purchases. The hackers also used my bank account to make payments to Capital One I order to unlawfully use the virtual card. Although I have reported this to the XXXX XXXX and other law enforcement, however the hackers still are doing it. I have had several replacement cards from Capital One due to this and I have spent days attempting to get the hackers out of my account. 

Due to the hackers accessing my accounts and making payments on my credit card, I have had payments returned which is why Capital One closed my accounts I believe wrongfully. Each time the hackers accessed my accounts and made the payments I did not authorize I immediately made the payment after it was returned. After determining how the hackers were accessing my accounts I removed all online access and now have a bank account at a credit union without online access. The hackers have not hacked this account. Going forward if my account is re opened I can assure Capital One the payments made will not intercepted by the hackers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: LA
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 have reached out to all the credit bureaus on XX/XX/2023 in regards to unauthorized and invalid accounts, inquiries, and personal information that have been reported on my account due to identity theft. I attached all my supporting documents and even reached out to the creditors. The creditors were no help and couldn't even find my account which is upsurd. No one has followed the law throughout this process, I requested the steps on how these fraud items were investigated and no one has done so, As a consumer I know my rights. Per 15 usc 1681b this is against the law and i need all the items removed immediately or else I would be forced to take legal action. I will give the companies one more have to resolve this matter THE RIGHT WAY!

Company response to consumer: Closed with non-monetary relief