BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account needs to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19
Company: Chime Financial Inc
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My name is XXXX XXXX and Im a customer with Chime banking. XXXX beginning of 2023 someone I knew hacked my bank account out of malice. I went to the bank and had to send multiple pieces of information to prove who I was so I can simply log into my account that I was now locked out of. I filed a dispute for charges that were made while I didnt have access to the account and multiple times my dispute was denied. Even though I had multiple pieces of proof that I was not in my account and didnt authorize the transaction Chime still made the situation unbearable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Collection Management Holdings, LLC
State: GA
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:
My credit report shows an account from your company. In XXXX of XXXX, XXXX announced it experienced a data breach, which impacted the personal information of approximately XXXX XXXX people. Due to this breach I became a victim of identity theft. Under the debt collection protection act, I have the right to request and receive the validation of this debt. On XX/XX/XXXX I sent your company a debt validation letter requesting you to provide me with the following, A calculation of this balance, including the complete payment history on this account along with proof of the balance owed, Documentation that shows I agreed to pay this debt, with my signature and that date that I signed. The agreement that grants you authority to collect on this alleged debt as well as a copy of your state license including the license number. Your company has refused to respond to this legal request, I am for certain that I do not owe your company any money. For starters, I have never done business with you, in fact I have never heard of your company until having received this notice on my credit report. 

According to the FCRA regulations I may sue you in any qualified state or federal court, including small claims court in my area. It is a violation of the fair credit reporting act for you to continue to report this account to my credit report. If you refuse the removal of this account, I will move forward in filing a suit against your company. It has been well over thirty days which is the legal time frame by law that your company had to respond to my debt validation letter that was sent out on XX/XX/XXXX. My first step is filing a police report against your company. I plan to present this documentation to a judge in my area in 3 business days if this account is not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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.

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 2023-10-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : Bankruptcy XXXX  XXXX XXXX Bankruptcy XXXX  XXXX XXXX Bankruptcy 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 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/2021

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 2023-11-03
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Commenity Bank forced me to process my payment a day later than when I was making my payment. I tried to make a payment at XXXX on the payment due date. The system was forcing me to input the following date. I called the company to make the payment over the phone and willing to pay a {$9.00} fee even though I was making the payment on the due date. They told me that it was past XXXX and could not process today. They will charge me a {$30.00} late fee, report late on my credit all because they input an arbitrary time of XXXX for payments. All other online payments have until XXXX on the day it is due. 

XXXX has consistently had bad business billing practices. CFPB is doing nothing to correct this. I don't believe you will take any action as a result of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: ENCORE CAPITAL GROUP INC.
State: AK
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I am getting repeat calls everyday sometimes up to 3 times a day from midland credit. They call me everyday XXXX XXXX XXXX, even though I have asked then to stop calling at that time and, to stop contacting me all together. They do not stop. It has been months. I have a XXXX XXXX  and their calls disrupt our sleep.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Synchrony Venmo Card : My account was closed the card was removed from my Venmo profile. Because I had opted to recieve electronic statements, I can not access my statements now to see how much I owe or how much cashback I got. They sent me a text message and email to update my address but it is the same address I signed up with. I feel that they are either incompetent or wasting my time. If you already have my email, why won't you send me a link to access my statements? You can easily verify my identity via several software vendors out there.

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 2015-05-08
Company: Advance America, Cash Advance Centers, Inc.
State: TX
Product: Payday loan
Issue: Can't contact lender

Complaint:
On XXXX XXXX, 2015 XXXX from Advance America called my job and left a message at around XXXX. I returned his call, from my personal cell phone, at XXXX to inform him that calling me at my employer is no longer acceptable. He said he understands. 

On XXXX XXXX, 2015 at XXXX XXXX from Advance America called my job, this time I answered. I told him that I can not speak about this over the phone. I returned his call at XXXX from my personal cell phone and reminded him that it is no acceptable to call my job phone. He said that he was never told that. 

Today, XXXX XXXX, 2015 I will be sending a letter explicitly stating that my job can not be contacted about this loan. I do not have a personal work phone ; it is shared by many people. I will include the above scenario for his understanding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Paypal Holdings, Inc
State: VA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I made a purchase of an electric dryer from XXXX XXXX on XXXX/XXXX/XXXX  and paid {$660.00} using my PayPal account., the order number is XXXX. The order includes, cable, 30 ft hose and haul away the old dryer. 
XXXX XXXX came to my house on XX/XX/XXXX  to deliver the new dryer. However, XXXX XXXX did not provide all the supplies required and paid for the installation. 
They left the dryer uninstalled and left. I called them on the XXXX of XXXX, and they were supposed to call me back. No one called me. Then I sent them an email asking them to take the dryer back. NO Response. I have attached a copy of that email here. 

I then hired another contract and bought the missing parts and installed the dryer, The missing parts that I paid to XXXX XXXX costs {$30.00} and spent additional {$100.00} to complete the installation. 

Since XXXX  XXXX did not respond, I file a dispute with PayPal. I submitted all the information abut PayPal asked me to submit more information, which is basically, same information that I have already submitted. Yet, I resubmitted all the information and proof. 

After waiting for a month, PayPal sent me a generic email that my dispute is closed since the item was changed and they can not determine what happen. 

So, do these people at PayPal expect me to watch the uninstalled dry for over a month? I doubt Pay Pal did any investigation as they have not shared any outcome or vendors response with me. This makes me believe that PayPal is in improper business practice. PayPal misleads consumers and provides false information. 

I want PayPal to refund the {$30.00} for the parts that their client XXXX XXXX failed to deliver and an additional {$100.00} that I paid to the 2nd contractor. 

I also want PayPal to completely close my account that I was not allowed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: T.S. Holdings
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( June ) 281 SW 715,719, I presume that no proof of the allege debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: TN
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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
Nothing happened for about two weeks and I finally got someone on the phone and explained my reasoning for calling and he for sure me that he was making changes as we speak on the phone right now. And a year later I still see the same thing still on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I recently received a phone call from Paypal explaining that my funds were not with Paypal. I also received a letter explaining why my I never received my refund. The letter stated that it was because I did a chargeback on the issued refund, which is not true as I did not have access to this card due to it being closed more than a month before the refund was issued. I began a claim with XXXX XXXX and they told me that although they did receive the refund on XX/XX/2023, they sent it back because they don't keep money for closed accounts. On XX/XX/2023 they sent the money back to Paypal, the reference number for this return is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
For the last 6 months I have been disputing the information on my profile that do not belong to me. 

XXXX XXXX Account Number : XXXX Amount Owed : {$960.00} XXXX Account Number : XXXX Amount Owed : {$480.00} XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$440.00} XXXX XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$1100.00} XXXXXXXX XXXX Account Number : XXXX Amount Owed : {$0.00} XXXX XXXX  Account Number XXXX XXXX Amount Owed : {$0.00} XXXX XXXXXXXX XXXX Account Number : XXXX Amount Owed : {$12000.00} XXXX & XXXX Reference Number : XXXX Amount Owed : {$610.00} XXXX XXXX XXXXXXXX Reference Number : XXXX Amount Owed : {$320.00} XXXX XXXX XXXX Reference Number : XXXX Amount Owed : {$960.00} XXXX XXXX XXXXXXXX Reference Number : XXXX Amount Owed : {$480.00}

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 2023-11-18
Company: Albert Corporation
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Albert app took an unauthorized XXXX $ from my bank account that is connected to another bank. I did not make this transfer nor did I request or even subscribed to anything. The money is also not even in the Albert account I have with them.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: ALLIANT CREDIT UNION
State: SD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I noticed the automatic payments setup have been posting at times later than the day the payment has been submitted even though my checking account has it posting days prior. The bank is charging additional interest and not posting payment the day it was received. When I questioned them about it they did nothing and said I do not understand the banking system and need to talk to my bank that has my XXXX XXXX posting withdrawal early. There response was not correct and they are charging additional interest after a payment is received on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: We Collect Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I was called to the front office at my place of employment. They handed me a notice of intent to collect a debit. The main problem was that it was opened for all to read. Almost everyone here gets mail and it is opened and distributed because it is all work related. This was not! This has personal information on it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
So I have been trying to reach out to Nelnet for the past XXXX weeks and I have not been getting anywhere with Nelnet every time I called their customer service, I've always been on Hold for over an hour just to get through them. It's just impossible for me to get through, I try to access the account information online with a user named password. They told me that my information can not be confirmed or verified. I tried the automotive system. The automated system will not takemy social security number or date of birth. It says that information does not match either. So what I'm trying to find out is how can I go out about making payments or see if I can even afford to make payments? Because you are asking close to {$3000.00} on my monthly payment. Which I can not afford so that's my complaint. My complaint is that I can not get through to you guys through the animated system to discuss my account options

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$740.00} XXXX XXXX  XXXX Balance : {$820.00} XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$740.00} XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$820.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting 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 sent a complaint dated XX/XX/XXXX and XX/XX/XXXX, this was my follow up to those previous complaints and I am hoping that the 3 Credit Bureaus namely XXXX, Equifax and XXXX Credit Bureaus will REMOVE these items I listed in this follow up complaint within 15 days : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation