BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-12
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX XXXX  XXXX Date Opened : Open Date XX/XX/2020 Balance : {$20000.00}

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 explanation
Consumer complaint received 2018-05-07
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I attempted to purchase a vehicle from XXXX XXXX XXXX XX/XX/XXXX. I had been off work for 7 months and just received a permenent position so my payment history was not good. I was asked to have my sister co-sign for me. I initially receieved word that her credit was good and I wopuld have no problems, then the dealership came back and said they would need more money from me. They structured the loan not as having my suster as a co-signer but as the lead on the loan and me as the co-borrower, thus driving up the interest rate on the loan. They got the loan approved with Santander Bank at 19.28 % interest. There was a lot of deception on the part of the dealer, they over charged for services I did not ask for : {$1700.00} Service Contract, {$750.00} Gap Insurance, {$500.00} Random Dealer Fee and {$350.00} for a Pinstripe that was never requested and never installed. I fought for over a year to have the funds refunded and finally fgot the dealer to refund the total {$3300.00} for the over-charge. The dealer sent a check to Santander Bank on XX/XX/XXXX. The check was applied XX/XX/XXXX. I called in prior to the heck being sent and was told that I could apply part of the refund to my payments to get me caught up. I called in XX/XX/XXXX and was told although all debt goes to the principal, I can not credt anythign to my past due payments. 

I was the one who fought for the refund and I should be able to use the funds to pay fopr my vehcile payments and get caught up. They are charging me late fees on top of the exhorbitant interest rate of 19.28 % and our talking about repossesing my vehicle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21
Company: Auto Trakk, LLC
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: Account status incorrect

Complaint:
The company auto track is incorrectly filing information to the credit bureaus to try to stay on my credit file longer than they should be. I have went to court for this case and the court document show that I owe them nothing. The company actually put invalid information on my car so that my loan amount can be bigger than what the actual car is worth I had a base model vehicle and they made it a top line to sell it for more. This has been settled through two of the three credit bureaus and staying stuck on one because they are providing false information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX, is reporting information on my credit report that is well over the statue of limitations for collecting a debt. The company that I obtained this debt with is XXXX  whom which was well over 7 years ago. This account was sold to convergent inXX/XX/XXXX. When I call this company to obtain validation of this debt, and inform them that they are illegally reported to my credit, I am left on hold and then ultimately hung up on. I have also done my own research on this collection agency and over 90 % of customer complaints have been reported as the same issue.

Thank you, XXXX XXXX XXXX XXXX  p.s.

last credit report date was XX/XX/XXXX and before then XX/XX/XXXX account with XXXX  was inXX/XX/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 2023-10-06
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Customer Support, I hope this message finds you well. I am writing to express my deep concern and frustration regarding the recent permanent limitation placed on my PayPal account, registered under the email address XXXX. I believe that there has been a misunderstanding or mistake in this matter. 

First and foremost, I want to emphasize that I have always strived to abide by PayPal 's policies and guidelines diligently. I have not engaged in any activities that would warrant such a severe measure as a permanent account limitation. This situation has left me perplexed and distressed. 

I kindly request that PayPal conducts a thorough re-evaluation of my account 's limitation. I believe that upon further investigation, it will become evident that there has been no violation of PayPal 's policies from my end. I am committed to resolving any issues or concerns that may have led to this decision, and I am willing to provide any necessary documentation or information to support this appeal. 

My PayPal account has been an essential tool for me in managing my finances and conducting online transactions. Losing access to it has caused significant inconvenience, and I would like to see a fair resolution that restores my account 's functionality. 

I understand that PayPal 's primary concern is to maintain the security and integrity of its platform. However, I respectfully request that you give me the opportunity to clarify any misunderstandings and rectify any potential issues that may have led to this unfortunate situation.

I appreciate your attention to this matter and kindly ask that you expedite the review process to minimize any further disruption to my financial activities. Please feel free to contact me at XXXX if you require any additional information or clarification. 

Thank you for your understanding and cooperation. I look forward to a prompt and positive resolution of this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted Equifax XX/XX/2022 about these unauthorized inquiries on my credit report. I stated to them that these inquiries were authorized by me and that they needed to be removed. A representative stated to me that they verified these inquiries with the companies and that they will stay on my credit file. I asked them for the individuals information on who verified this information with and they did not send me any information to show me what was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I applied for a credit card and SBA and was declined for negative credit history. I discovered a Capital One credit card account was opened in my name fraudulently in 2018 and I began the process to dispute the account. I received a letter from Capital One stating the credit account was verified as valued due to a matching former address. Capital One never looked into the cellphone number, the original information used to open the account, the police report filed, and the payment source used to make payments to find the person behind the account. Capital One told me to ask for a letter from the Post Office to verify I did not live there in 2018 and then refused to research the other information they had on the account. Capital One also asked me to confront the accused party of fraud, which is not lawful and ethical. Capital One refuses to act on this fraud case and has maintained I am responsible for a debt I did not create. It is impeding my ability to obtain credit or move further professionally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was frauded in XXXX and XXXX. Just received account investigation that I not responsible for charges. I called to order a new card 5 times and telling them I haven't received my card. They said I needed to talk to someone in the fraud department. I explained I received XX/XX/XXXX XXXX2022 the investigation was complete. Then they told me on account is in review and it has a frizz. I asked for what and they said there is nothing they can do until this is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: Trans-Fast Remittance LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
On XX/XX/2019 I contacted Transfast to transfer {$85.00} from the US to a bank account in XXXX XXXX to pay for maintenance work done on a property my family owns in that country ( Transaction Number : XXXX ). I spoke to a Transfast service representative about some difficulties I had with the website as a part of using their service. Neither the website or the person I spoke with gave me any indication of issues with transferring money to XXXX XXXX. Late in the day on XX/XX/XXXX I heard from the recipient of the money that the bank in XXXX XXXX would not release the money into the recipients account until they had received a laundry list of items including : A photo ID, A letter with an original signature that explained my relationship to the recipient and why I am sending that person money, and a legal document indicating the origin of the money such as a tax return. 
These would be difficult to accomplish if I was in XXXX XXXX, from the US it is pretty much impossible to do, especially in a timely manner. The morning of XX/XX/XXXX I received and email from Transfast letting me know that my transaction was complete. I immediately called the service number and explained the situation to a representative and asked if there was any way that they could reverse the transaction. He politely explained that they are not responsible for the rules that apply in the receiving country. and there was nothing that Transfast could do. Legally I am sure that is correct. However, morally and ethically I believe that Transfast, as a company that specializes in moving money had a responsibility to be aware that XXXX XXXX has special restrictions on the transfer of funds that would likely result in the funds not being available and to give customers a warning of those special restrictions before they proceed with a transaction. The result of this is that I have spent {$90.00} ( {$85.00} transferred + {$4.00} fees ) that I can not get back and the recipient can not access ; essentially the money is gone. Transfast has their service fee and they are done. To add insult to injury, the Transfast email alerting me that my transaction was complete included a link to a customer satisfaction survey. After I spoke to the customer service representative I clicked on the link and it took me to a page that said the survey had been closed. Although technically the money transfer is not complete because the funds have not been deposited into the recipients account and are now stuck in limbo I fully expect that this will be an expensive lesson learned. I can only hope that by sharing my story here that others will not make the same mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Loancare LLC purchased my loan from XXXX XXXX under the same terms, our monthly mortgage payment was {$770.00}. This month it has gone to {$940.00} when I called to find out what was going on I was told taxes in my county had gone up, our payments for two months would be {$940.00} then {$870.00} every month. Raising our payments $ 1300 yearly. I contacted our county regarding this ; our taxes in this county have not gone up for over a year and it certainly wouldn't make it XXXX more a year. I called Loancare and asked to speak with a supervisor XXXX told me the same story until I told him I had contacted the auditor and this was untrue ; then it became and " estimation '' of what taxes we could pay in the future but we would have to pay now. When I declined we are not paying for an estimation we are not using it became we owe " back taxes '' they weren't pulling out our taxes and now we needed to pay that. When I asked what happened to the money we were paying the taxes with they " needed more ' even thought they were never raised. I tried to make a payment in the amount of {$770.00} until this was sorted out is not able to online or automated payment phone system requires the full amount. I tried to pay over the phone with an agent was told they don't accept partial payments and there is a {$15.00} dollar over the phone fee plus now a {$10.00} late fee making our payment {$980.00} due now. They have no basis for this increase and every story they have given me is untrue now my mortgage is going to be 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 2022-11-15
Company: EQUIFAX, INC.
State: SC
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. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Diversified Adjustment Service, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX - Financial counselor from XXXX XXXX, run by XXXX XXXX, becomes my advocate against Debt Collector, DIVERSIFIED ADJUSTMENT. 

" XXXX '', acting on the directions from my financial advisor, sends DIVERSIFIED ADJUSTMENT letter dated XX/XX/XXXX to verify the debt according to federal, NY State, and NYC laws. Letter and tracking documents providing proof of delivery are attached. 

XX/XX/XXXX- XXXX emails regarding the fact that debt collector has not responded and tells me " If the collection agency isn't able to confirm and verify the debt then they can't collect from you. If they can't collect, they should remove the collection from your credit report. '' After waiting another week for a response and not receiving one, I send my dispute to XXXX. 

XXXX decides not to take action against the debt collector and not to enforce verification/validation of debt ( see attached XXXX Report ). Upon further advisement from XXXX, a second letter is issued on my behalf by XXXX dated XX/XX/XXXX. Letter and tracking documents attached. 

Please read my full testimony in the attached word document.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: LEXISNEXIS
State: MI
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:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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 explanation
Consumer complaint received 2023-10-06
Company: John C. Heath, Attorney at Law, PLLC
State: WA
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Didn't provide services promised

Complaint:
Lexington Law showed up during an online search. I put my information in and they contacted me and made lots of promises. Reluctantly, but, figuring what choice do I have, I gave them all of of my accounts, social security number ect. And every month for almost 3 years I waited for an adjustment to my credit report. I would call and the representative would say just hold on a change is coming. My payments were deducted automatically from my account. When I was finally DONE with them they of course questioned why and made it difficult to disconnect my services. But we finally did.

Company response to consumer: Closed with explanation