BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-27
Company: Paypal Holdings, Inc
State: WA
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:
Back in 2017 I had my identity stolen and they charged a Paypal account using my information. From the account, Paypal sent the debt to collections before even reaching out to me ( which I had no information or access to the account ) and ever since then, the collection agency will call multiple times a year and sent letters about the amount owed. I have contacted the agency to tell them my information was stolen and sent them online police reports and that I should be fine now but they are still trying to collect. I have checked my credit report and there is no such outstanding balance/debt on my record so I am unsure why they keep sending me letters. The agency is called XXXX XXXX, with reference # XXXX and this has been ongoing since 2017. If there was an actual outstanding balance, it should show on my credit report and affect my credit but I am not seeing anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-13
Company: ERC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
Lost of job was forced for this account too go to my credit report no way of paying it and now its old its been since 2016 the amount of {$930.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2022 my bank sent an electronic transfer to Comenity Bank for my XXXX XXXX in the amount of {$1100.00}. The payment was never applied to my balance. I have filed a missing payment claim and also proved Comenity with the electronic transaction information including the trace and batch numbers. As of today it still has not been applied. Getting a hold of customer service is a joke and no one can give me an update. Messages sent through the on line message center are taking 4-5 days for a response. I am being told it can take 90 days for it to be corrected which is an absolute joke when Ive provided all of the info to track the transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-09
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:
XXXX XXXX  Account # XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Hi, I would like to dispute a charge made with a {$100.00} XXXX gift card that was given to us in XX/XX/2022. We reside in the XXXX XXXX in CA and attempted to use it on a trip to XXXX XXXX, but was denied during the transactions. We called the number at the back of the card and according to the XXXX customer service, an unauthorized purchase was made in XXXX, CA shortly after the XXXX gift card was activated. We contacted the merchant directly to settle the transaction and were told to fill out a form. We filled out said form and sent it in XX/XX/2022 and waited the 30-90 day window and have gotten no updates despite calling merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: Bread Financial Holdings, Inc.
State: VA
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:
I received a bill for a credit card I do not have. My address was written wrong and I am being charged {$33.00} from Comenity - XXXX XXXX XXXXXXXX. I've never heard of them before. I XXXX them online, they seem to be legitimate but they got one star reviews for fraudulent and it seems they make their money from interest. I am assuming these reports are from people who have the card at hand. I don't have anything to prove that I opened an account with Comenity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27
Company: Experian Information Solutions Inc.
State: MI
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 Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not XXXX a account within my written instructions. 
XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUS FM BUS ADMIN ODA XXXX XXXX XXXX -XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX For 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 2022-12-07
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:
There are 2 address reporting to my consumer report. Only XXXX address is attached to my name and that address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All other addresses need to be deleted from my cosumer report. I have sent a dispute letter to the company. I have filed a complaint with the XXXX and the company response was that the disputed item is not reporting to my consumer report. The company response is 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 2022-12-08
Company: WELLS FARGO & COMPANY
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX we posted to sell a pool, we were contacted by an individual who wanted to purchase the pool. They tried to transfer the money intonour account through XXXX. They said the could not because it needed to be a business account. We were contacted through email by " XXXX '' to open a XXXX  business account to recieve the funds. We transferred the money to open it and recieved a confirmation email. Then a second email stating we needed to transfer XXXX for the taxes but that it would be returned with the XXXX with the payment for the pool. We then found out it was fraud and contacted Wells Fargo fraud dept. immediately ( claim # XXXX and XXXX ). One for the XXXX and one for the XXXX. Those claims were denied stating that it was a scam claim not fraud. Immediately we filed a scam claim ( # XXXX and XXXX ) we tried several times to submit the emails we recieved from the " XXXX '' and were told they would contact us if they needed it. They denied the claims. So we submitted the claim to customer advocacy, claim ( XXXX ), we stated that the scam dept never took our evidence. They denied the claim stating that the cases were already closed and there was nothing they could do. They also would not accept our evidence.

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 2022-07-30
Company: EQUIFAX, INC.
State: CA
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 did not give my written permission to file anything adverse on my credit report. 

In accordance with The Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681A.States I have the right to privacy.

15 U.S.C 1681A Section 2 : it also states that consumer reporting agency can not furnish a 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 of information, other than records of convictions of crimes which answer dates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: AMERICAN HONDA FINANCE CORP
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
We went to get a car and after running my credit i noticed they ran my credit XXXX times and spouses credit XXXX times and we did not authorize that and ended up only putting the loan on my name. also after signing everything i found out they ran the car through service before giving me the car and we ended up taking the car back because it wasn't XXXX XXXX  XXXX and they been aware before releasing the vehicle. They threatened that if i didnt bring the car back as soon as i called i was stuck with a XXXX XXXX XXXXnd they wont take it back. So i also asked if they participate in Truth In Lending Act ( Law 15 U.S.C. 1601-1667f, ) and they said they did and all dealers do but committed fraud and charged me {$2700.00} cash on top of the high interest loan they sold

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: GOLDEN 1 CREDIT UNION, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2023, I fell victim to a multi-layered scam operations run by XXXX XXXXXXXX involved me making deposits for a total amount of XXXXXXXX USD from my Golden 1 Credit Union account to fraudulent investment firm ( s ).

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 2022-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 did not give my written permission to file anything adverse on my credit report. 

In accordance with The Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681A.States I have the right to privacy.

15 U.S.C 1681A Section 2 : it also states that consumer reporting agency can not furnish a 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 of information, other than records of convictions of crimes which answer dates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2022-07-30
Company: Credit Corp Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX Account XXXX. XXXX On XX/XX/2019, A company shown as XXXX XXXX XXXX was reported to my credit report per Credit Report. I have never signed an agreement with this company, and Nore have I ever heard of them. Upon further research, the debitor 's creditor did not verify this collection. Also, there was NO written form of communication/contract or written signature for this accused debt at ALL. A bill without a ( written ) signature does not validate the debt as anybody can send an invoice and say it's mine. According to FCRA, this company has violated my rights as a consumer. I'm looking into taking legal action to remove the fallacious account from my credit report immediately! I wanted to see if my dispute could be resolved by taking all necessary steps before taking drastic action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have tried to dispute this account multiple times. This is not my account. 
In accordance with the Fair Credit Reporting act CAINE & WEINER has violated my rights. 
This account was opened XX/XX/2021 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 I have never received a validation letter. Could you please investigate this account properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: State Collection Service, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX State Collection Agency sent me a letter attempting to collect a debt from XX/XX/XXXX for XXXX XXXX XXXX ( clinic ) for 2 amounts, {$26.00} and {$140.00}. Both of these had been paid by insurance and I personally paid the deductibles. I responded with a letter for " debt validation '' and disputed the debts on XX/XX/XXXX. Never received a response as of XX/XX/XXXX but received a credit alert that State Collection Agency had already listed these two " debts '' as collections on my XXXX and XXXX credit reports on XX/XX/XXXX. ( well before the Fair Debt Collections Act 's 30 day period to allow for the debtor 's time period to challenge the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2022 I contacted my banking institute [ XXXX  ] to request a replacement debit card as I'd recently lost my wallet. As my payroll was going to be deposited on XX/XX/2022 I paid the additional fee of {$24.00} for expedited processing of 2-3 business days. On about XX/XX/2022 XXXX sent me a text saying a delay had been experienced on their behalf and I would receive my package on or about XX/XX/2022. 
Subsequently XXXX claimed delivery on XX/XX/2022 at XXXX with no signature being required. I looked everywhere and spoke to my housemates and confirmed no package was delivered to be found. 
Ultimately on XX/XX/2022 I had to go to my employer and have a card issued so I could finally access my payroll monies. 
Thru no less than 10 calls with the banking institution I have been told I would receive the {$24.00} back thru reimbursement, that I had to take the matter up with XXXX  for reimbursement to Ultimately no reimbursement would be given. XXXX 's policies are that the sender file complaint not the receiver. 
Subsequently I requested a dispute be filed against that transaction stating I'd paid for services but did not receive them. The institution flat out denied me to file a dispute. 
Phone calls to the parent company of fifth third bank have proven untruthful because nobody at any level knows of the possessorship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Somebody used my SSN to lease a car and open several accounts. 
I have contacted Kia Finance, provided them my police report, my passport and ssn and described an issue but no action from their side.

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 2022-12-07
Company: MAS FINANCIAL SERVICES, INC.
State: ID
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
They charged extra for late fee my contract said finish my loan XX/XX/2022 it's last payment and they charge XXXX dollars more they said my interest rate it's for every day and supposedly my payment it's the XXXX and a have 10 day for make the payment and they tell me I paid late and honestly alway tried to paid before the 10 days I only remember I make one payment late because my husban was on the hospital they tell me I need to paid the amount or I can't get my title

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 to the Fair Credit Reporting Act the following creditors and/or collectors have committed violations -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX15USC 1681 SECTION 602A states I have a right to privacy ***15USC 1681 SECTION 604A SECTION 2 states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-07-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To whom it may concern. i have several different issues XXXX XXXX accidental closed my secured card this action that was not my fault affected my credit score drastically in a very negative way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Flooring was supposed to be installed in my home and a payment be made to the flooring company, flooring was never installed, but the flooring company took the money. My bank will not refund the money. USAA is allowing this business to steal {$7500.00} from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: Grain Technology, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a line of credit for XXXX based on my availability of funds in my checking account. This is a digital credit card meaning it only goes through the app. Ive struggled multiple times with the app, due to it not connecting to a payment source, or if you need to switch payable accounts, you need to contact customer service by email only. There is no phone number for this company anymore. I got hit with a late payment that was reported to the credit bureaus due to my account not being fixed. I emailed the customer service team about this issues twice a week prior to the payment due date to get my account fixed. Never got a response, I was hit with a late payment on my credit and assessed fees. No one fixed my account until XXXX to which I just paid of my entire balance due to fear of this happening again. The app reviews are riddled with the same stories and peoples credit being tanked because of the poor customer service. Ive reached out 4x since the credit hit and still havent seen a single response from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XX/XX/XXXX I attempted to call Afni debt collection dept to resolve this {$380.00} collections acct showing on my credit report. It was originally an XXXX XXXX  XXXX XXXX but XXXX already paying off XXXX utility bill with XXXX XXXX XXXX so I shouldn't have XXXX bills. Since then, I moved out the apartment and cancelled with XXXX XXXX XXXX back in XX/XX/XXXX. So, I called Afni at XXXX and spoke with a rep but was told I didn't have any collection account with them. I would like it removed from my credit report. This has caused great stress to my financial situation.

Company response to consumer: Closed with explanation