BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-28
Company: I.C. System, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have been disputing the late payments showing on my account for IC System which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.

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 2017-07-21
Company: VELO LAW OFFICE
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The debt started with XXXX XXXX for {$610.00}. I made an agreement with them to pay {$200.00} a month. After I paid my first {$200.00} on XX/XX/XXXX they sent the debt to their attorney Velo Law. Velo law then got a judgement against me for the full amount of {$610.00}. After arguing with Velo law and XXXX XXXX for several months they continued to push me off on the other company. When I called XXXX XXXX to receive a receipt of the {$200.00} that I paid they would not give me one. They claimed they contacted the lawyer and they can do nothing else and hung up the phone on me. Once I made my final payments, I contacted XXXX XXXX to ask for a receipt of the amount I paid, they screamed, yelled and hung up on me. I believe that Velo law and XXXX XXXX are working together to receive more money from people for the original debt that is owed and splitting the difference, because I had already agreed to pay XXXX XXXX. The debt was turned over to the law office after I made my first payment. Velo went to court and got a judgement against me for {$920.00}, though I had an arrangement with XXXX XXXX to make payments. Both companies state they are working with each other and they are taking advantage of people. Velo did not contact XXXX XXXX to inform them that I made a payment onXX/XX/XXXX, they only informed them of the payment made on XX/XX/XXXX. So my credit report reflected my debt was not paid in full, when in actuality it was. I can also provide bank statements showing all payments made. Neither company was willing to send me documentation of all payments made and both hung up on me. I paid {$200.00} with check XXXX on XX/XX/XXXX I paid {$210.00} to Velo on XX/XX/XXXX I paid {$200.00} to Velo on XX/XX/XXXX I paid XXXX to Velo on XX/XX/XXXX Afterward Velo then sent a notice to garnish my wages for an additional {$380.00}. My additional debt was for a medical bill that is a non-interest bearing debt, but they are claiming that I must pay interest and their court fees. I was taken to court after I made an arrangement with XXXX XXXX to pay. In total for a {$610.00} debt I have paid {$1000.00}. Neither Velo nor XXXX XXXX would explain and both were rude, threatening and did not speak. I had a small debt, luckily but imagine someone who has a higher debt the amount of fees these two are working together to charge people. I paid the debt almost twice. This seems to be a scam and unfair. My account number is XXXX at XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 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 an 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 2022-06-14
Company: Chime Financial Inc
State: NM
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:
I ordered patio furniture from XXXX that never arrived, I initiated a dispute explaining to my Credit Card issuer what happened but they found the charge was valid. After working with XXXX they agreed to refund the purchase but could not do so because of the dispute. After a few weeks of back and forth with Chime they refuse to do any research or resolve the charge, even after I sent them many documents that support me getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Paypal Holdings, Inc
State: SD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
Made a purchase with a vendor on XX/XX/2020. Cancelled my order XX/XX/2020. The vendor issued a refund XX/XX/2020. PayPal has yet to refund my money. I'm unable to contact PayPal by phone. Contacted PayPal by email. PayPal states that could take nine days for a refund. Their own website indicates 3 to 5 days. Financial institution I use states it is instantaneous. The vendor States These  funds should be refunded the same day. PayPal gives me the runaround and holds my money, {$1400.00} approximately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: GOLDMAN SACHS BANK USA
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
As of XX/XX/XXXX Marcus by Goldman Sachs took over XXXX XXXX XXXX XXXX credit card accounts including mine. In the last few months of XXXX I had a credit of {$13.00} which the Marcus representative confirmed. During the transition period before I knew Marcus was taking over I charged {$100.00}. Several representative told me their policy was to get the customer 's banking information to issue a credit, but I refused since I was new to the company and Goldman Sachs ' reputation from the XXXX 's is bad. They said they would not reduce my payment amount, but agreed that they would issue a check. I spoke with representatives in XXXX and XXXX who said the request for the credit check was being processed. I mailed payment in full to their XXXX processing center by certified mail in XXXX, the post office delivered it to them, and they lost it. I finally paid by phone in XX/XX/XXXX to end all issues. They never sent the check and the representative I spoke with today said the check was canceled with no notice to me because their was a balance on the card ( but they never applied the credit as promised ). I am concerned that any account that transferred over to them from XXXX XXXX XXXXXXXX XXXX that had a credit was not given the appropriate benefit and customers including me have been deprived of credits so they could benefit at our expense. Also, the card was never hacked when it was with XXXX XXXX, but has been hacked three times in the lack few months since they took over.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: CL Holdings LLC
State: DE
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:
THE CREDITOR HAVE CONTACTED ME AND I HAVE NO KNOWLEDGE OF THIS DEBT. I HAVE CONTACTED MY ATTORNEY TO GET OUT OF THIS DEBT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 38 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2020-01-08
Company: HYUNDAI CAPITAL AMERICA
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
In XXXX of XXXX, I signed for a 3 year lease with XXXX XXXX XXXX in XXXX XXXX for a XXXX XXXX. My lease payment was through the roof due to interest, which is understandable. Fast forward 2 years, I wanted out of my lease but I signed for 3. I was able to turn in my lease early and got into another lease through XXXX XX/XX/XXXX. I personally returned my lease to XXXX XXXX XXXX in XXXX XXXX, signed early lease termination papers. Nobody checked my car for dings or dents, interior, wear and tear, nothing. This is the first red flag I should have taken into consideration. Im unsure of where my XXXX XXXX went after dropping it off in XXXX XXXX but its thankfully out of my hands now but what if something happens after releasing it back to XXXX. I have no proof of the excellent condition I returned the car. On XX/XX/XXXX, there was a withdraw transaction to my bank account of {$380.00} from XXXX, which was my car payment. Ive been out of this lease now for one month, why are they charging me another lease payment? I called customer service and spoke to XXXX. Not only was she rude and impatient with me, she told me they are unable to release the payment of {$380.00} back to me and the only way they would release that chunk of money back to me would be if there is no exterior/interior damage after the inspection of the vehicle is done, which takes up to 90 days. I am no longer a customer of XXXX, why do they even still have my bank account information on file? XXXX told me it is my responsibility to stop payments from withdrawing. I asked to speak to someone else a little more understanding, she transfer me to XXXX the supervisor. XXXX told me he can not issue me a refund. The only way they will release the {$380.00} back to me is if I dont owe XXXX any money for exterior/interior which will take up 90 days. I am completely unaware of any damage to the vehicle so there is nothing they should be charging me for so the money should be released back to me and they should have done a walk through of the vehicle with me. I will not pay for damages Im unaware of. Im not a customer of them anymore! I contacted my bank because its technically an unauthorized transaction being I did not authorize for them to continue to pull money from my bank account after not having the car for one month.

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 2016-01-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Our deposits particularly cash and cashiers check were n't given credit the same day and 5/3 rd bank bounced our check deliberately. 
A cop came on the scene when I was denouncing bank practice to the Vice President. I was appalled why did the cop appear when I was venting our frustration. Obviously it shows stupidity on the part of bank staff who called the cop. 

Branch address is XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: Experian Information Solutions Inc.
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:
There are 3 accounts on my credit report that do not belong to me. The accounts were opened in XXXX & XXXX for the amounts of {$11000.00}, {$1900.00} & {$80.00}. None of these accounts belong to me and I did not give anyone permission to open them on my behalf. I did not benefit anything from these accounts such as money, goods, services or any other benefit.

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 2022-01-28
Company: GOLDMAN SACHS BANK USA
State: MO
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:
I have been reaching out to Apple/ golden sachs about a dispute that I submitted since XX/XX/2022. This dispute was because I was not rendered services that I was promise and I asked for a refund from merchant but they hadnt sent it in a week so I did a dispute. I have been given the run around, I am entitled to my full balance and they will not free the money which is putting me in hardships bc this is my everyday use card. 

Ive talked to supervisors, agents and even have sent over documentation that should have this resolved and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: Certegy Holdings, LLC
State: KY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
certegy keeps declining my checks I have written to XXXX. 
XX/XX/XXXX for {$120.00} XX/XX/XXXX for {$21.00} XX/XX/XXXX for {$130.00} XX/XX/XXXX for {$86.00} XX/XX/XXXX for {$33.00} XX/XX/XXXX for XXXX XX/XX/XXXX for XXXX XXXX for XXXX XX/XX/XXXX for XXXX Used my debit card after they declined my check. 
XXXX and I have contacted Certegy but not getting any results They sent me a consumer file disclosure report prepared on XXXX that really didn't tell me why they declined them.

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 2017-07-21
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The beginning of last year I received notification from this agency. I immediately called and spoke to a representative and stated I am disputing the collection. I asked for proof of validation. 2 Weeks later I received the same demand for payment letter with no validation. I then requested validation again in writing. I no longer received any form of communication from this agency. Instead they put the collection on my credit with a memo saying I dispute the collection. The address provided on my credit for the business is XXXX XXXX XXXX XXXX, XXXX, GA On X/XX/2017 I requested verification through the Credit Bureaus. I received no response so I requested again on X/XX/2017. This time the collection was removed from XXXX because the company has yet to validate this debt of {$3200.00}. On X/XX/2017 I filed a complaint with the BBB. Complaint # XXXX. This company failed to respond to the complaint. It has been well over 30 days since my last request but over a year and a half from my initial request. They have no proof of this debt. I have no contract with this company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: Atlas Credit Company, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
The lady comes 2 my job harassing me..now she has been coming 2 my house harassing my children, who are under 18, when they get off the school bus ... she has also been harassing them when i am not at home and will not leave..my children are very scared

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Hello, I made a purchase with Home Depot for Fencing material. When I made the purchase there was a promotion for 6 months zero financing. It took me over 4 months to receive all the material for the fencing. I spoke to the representative at the store and they informed me it would not be a problem with them extending the special. Well, I have found out that is not the case and they are not able to extend the financing special another six months as promised. Additionally, the initial order was canceled because they were unable to fulfil. They credited my account all fees but the XXXX delivery fee. I have been fighting since XXXX of last year for my refund

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 2022-01-28
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an auto lease with XXXX XXXX XXXX  XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the Credit Bureau with no successful resolution. There was definitely an error on their part. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-06-14
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I used Paypal to make a {$.00} XXXX time transaction with a company named XXXX. I was offered a monthly subscription for {$24.00} but declined in lieu of paying {$.00} for a single transaction. 

On XX/XX/XXXX and again on XX/XX/XXXX my credit card was charged a {$24.00} subscription via Paypal. On XX/XX/XXXX I contacted Paypal ; they reversed the XXXX charge the same day ( XX/XX/XXXX ) but did nothing for the XXXX charge. I then contacted my credit card and they opened a dispute for the XXXX charge. Paypal responded that they had reversed the charge on XX/XX/XXXX. I called the credit card and explained that they reversed the XX/XX/XXXX charge not the XX/XX/XXXX charge. They re-opened my dispute and eventually ruled in my favor. However, on XX/XX/XXXX Paypal has created a negative balance against my account for the {$24.00} stating that the XXXX charge was ruled in favor on the merchant even though they are referring to the XX/XX/XXXX reversal. 

Paypal provided erroneous information to my XXXX dispute by stating that I had already had that charge reversed. The only charge that was reversed by Paypal was the XXXX charge NOT the XXXX charge. They will also argue that the charge back from my credit card was for XXXX, not XXXX. This whole disagreement is rooted in Paypal providing a incorrect response to my initial credit card dispute for the XXXX charge

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-15
Company: LendingUSA
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I tried to reach out to Lending USA. They confirmed that my account shows I only had three deferments which totaled {$960.00} because my XXXX funds where messed up during those times and I notified them of those issues in advance. 

I was set up on auto drafts once my XXXX income was corrected. My monthly payments was {$320.00}. I called to get my last payment date when one rep told me to call on XX/XX/2021 to pay {$320.00}. And now my final bills totals {$1700.00} for past due balances that I was never aware of cause every month only {$320.00} would be auto drafted from my bank account. I don't understand how three deferred payments ( {$960.00} ) doubled to ( {$1700.00} XXXX like that. Its not my fault that their automatic system drafted my payment on the days that it did. 

I strongly believe that my final payments on XX/XX/2021 should only be XXXX which makes up for the three deferred payments I had.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: Dyck-O'Neal, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dyck O'neal listed numerous accounts on my credit report that does not belong to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation