BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-17
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: Information belongs to someone else

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-05-03
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information for the second time now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-05-03
Company: Paypal Holdings, Inc
State: CA
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 Service, I am writing to appeal the permanent limitation that has been placed on my PayPal account with the email address XXXX. I believe that this limitation has been placed by mistake, and I would like to request that PayPal re-investigate my case and restore my account if possible. 

Firstly, I would like to emphasize that I have not violated any PayPal policy. I have always been a law-abiding and responsible user of your platform, and I take pride in maintaining a good standing with PayPal. Therefore, I was taken aback when I received notification that my account had been permanently limited. 

I understand that PayPal has the responsibility to protect its users from fraudulent activities and to maintain a safe and secure platform. However, in my case, I believe that there may have been a misunderstanding or a mistake. I am willing to provide any additional information or documentation that may be necessary to clear up any confusion and prove my innocence.

In light of the above, I kindly request that PayPal re-examine my case and lift the limitation on my account. I hope that we can work together to resolve this matter and restore my trust in your platform.

Thank you for taking the time to review my appeal. I look forward to hearing from you soon. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: MD
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:
Months ago, I have sent a letter to the three credit bureausasking 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 previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have been a victim of a data breech. Also had my wallet stolen. I have reported this to the credit bureaus, the gave me information stated a company called XXXX XXXX and LCI were the furnishes of the information. 

I then asked them how was this reporter I have never received any information from none of these companies, XXXX responded saying the have no record, but when I pull info inaccurate information is there. Public Records, Credit Cards I do not have.

This is a clear violation of my consumer rights. To add more I just received a letter from another consumer breech. I have attached this to my record. Please remove all public records, credit cards, and other info as none of this is accurate and has never been verified.

15USC 1681s 2 ( A ) 1 ( A ) states information cant be related to any consumer that is inaccurate can not be reported.

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 2022-11-01
Company: Westlake Services, LLC
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2018 I bought a vehicle from XXXX XXXX XXXX XXXX, Financed from XXXX XXXX XXXX, then sold debt to Westlake Portfolio Management. I was never told I had XXXX  days to rescind the agreement nor was i was given the notices that came along with all consumer credit transactions.I participated in a consumer credit transaction and not a loan Pursuant 15 U.S. Code 1602 ( i ). Pursuant to 15 U.S. Code 1605 the finance charge in connection with my consumer credit transaction shall be determined as the sum of all charges which were never disclosed to me. They are in direct violation of this law. Violating 15 U.S. Code 1605 which clearly says that the finance charge does not include charges of a type payable in a comparable cash transaction. Pursuant to 15 U.S. Code 1635 ( b ) upon receipt of this rescission, we are not liable for any finance charge, security interest, etc. becomes void effective immediately.

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 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE INCORRECT PERSONAL INFORMATION COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-08
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/XXXXXXXX of 2023, I mailed a letter to Equifax, XXXX, and XXXX to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an updated credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Byrider Franchising, LLC
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 status incorrect

Complaint:
On XX/XX/XXXX, an accident occurred in a XXXX  XXXX XXXX and was subsequently handled by my insurance company. The financing company for the overpriced vehicle ( CNAC Financing ) then took the insurance payment for the vehicle 's worth, refused to physically take possession of the vehicle ( total loss ), and then reported the vehicle as an open repossession on my credit report ( {$13000.00} ), preventing me from purchasing any vehicle except at great personal cost, preventing me from job opportunities, travel, etc. No offer was made to settle the remaining balance, as they never informed me of any amounts made payable to them that did affect the remainder. Upon calling, I was met with derision and told to check my paperwork. Two vehicles had been successfully purchased and paid for through this company, and when the mention of the failure of the airbag to deploy during the accident ( it was well within their XXXX mile warranty ), there was no reply, only the repossession response. I don't seek damages, I just want the erroneous report of a repossession removed from my file so that I may purchase another vehicle elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
my name is XXXX XXXX, my school was XXXX college, from which I never graduated and was there for 3 years. now i have a huge monthly payment on my private student loans that i can not keep up with. i dont make a whole lot and with small children at home and other bills to pay it 's almost impossible to pay them. I have asked for deferments, forbearances, and tried to enter into plans but the payments are still too high. I am worried about defaulting on these loans and ruining my credit but i have no other options. the monthly payments are just way too high and i simply do not have the money to pay them. ive tried researching other avenue 's but there isnt much help out there for private student loans. I 've called Navient ( sallie mae ) several times asking for help but they dont seem to care about every day problems people are facing, they just want their money, bottom line, and i do not have it. i struggle to keep a roof over my kids head as it is and now i can not pay the amount they have given me to pay ... If i have to choose between food for my kids and paying my loan, well, my family comes first. I ran out of oil a couple weeks back and had to miss a payment in order to get fuel to heat my home and now im in danger of defaulting on these loans. They want me to pay an amount I can not afford, for a student loan for a college i never graduated from. I do n't have a college degree because i never finished school and i work a blue collar job that pays very little ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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: 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 2022-11-01
Company: Bread Financial Holdings, 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:
Receiving apparent Debt Collection calls from a Comenity Bank. Multiple times per day, leaving voice mails. I don't have any accounts with this bank, and have never had any accounts with this bank. Never heard of them before and I really don't know why they are calling me. Calls coming from XXXX, to my mobile # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
Company: Southern Auto Finance Co
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
XX/XX/2022 I was denied an extension of credit based on alleged delinquent payments to other creditors. Ive sense only received an adverse action letter that does not follow federal law. 

adverse action 15 usc 1691 ( d ) ( 6 ) For purposes of this subsection, the term adverse action means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested.

**Such term does not include a refusal to extend additional credit under an existing credit arrangement where the applicant is delinquent or otherwise in default, or where such additional credit would exceed a previously established credit limit. **

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ) 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 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 2021-01-28
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Nearly three weeks from today, my nephew and I contacted PHH Mortgage Corporation ( " PHH '' ) to initiate a short sale of my property located at XXXX XXXX XXXX, XXXX, NJ XXXX for which I became owner together with my late husband XXXX XXXX XXXX ( " Mr. XXXX '' ) ( died XX/XX/XXXX ) in the year of XXXX by deed taken as husband and wife pursuant to New Jersey law for tenancy by entirety under N.J.S.A. 46:3-17.2 as displayed within Exhibit A. 

PHH, however, refused to forward me the necessary documents to initiate a short sale by declaring that I had to, first, be granted authority to speak about the account associated with the predatory refinance transaction originated by XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX with Mr. XXXX executing the note instrument as the sole obligor, and we both executed the security instrument a/k/a mortgage with even date. See Exhibit B for the mortgage instrument signed by both my late husband and myself on XX/XX/XXXX. 

PHH indicated the required documentation that I needed to execute in order to be consider by PHH to speak about the subject account would be forwarded to me within 7 - 10 business days which have since come and gone, and I have yet to receive the necessary documentation that I requested. 

I believe the tactics of PHH, refusing to speak with me about the subject account and a short sale prior to executing authorization documents ( that I have yet to receive ), when PHH knows ( or should know ) that I am authorized to speak about the subject account for which PHH 's predecessor Litton Loan Servicing LP ( " Litton Loan '' ) acknowledged by rights to the subject property upon : ( 1 ) commencing foreclosure against me and my husband ( on the same day Mr. XXXX died ) on XX/XX/XXXX as owners of the subject property as displayed in Exhibit C ; ( 2 ) offering me a modification effective XXXX XXXX as displayed within Exhibit D ; ( 3 ) taking from me and cashing approximately {$16000.00} in payments from XXXX XXXX through XX/XX/XXXX as displayed within Exhibit E ; and ( 4 ) addressing me in communications dated in XX/XX/XXXX through XX/XX/XXXX regarding the subject account as displayed within Exhibit F. 

Furthermore, PHH is now treating me as if I have no rights and / or ownership of the subject property, and no right to speak about the subject account despite : ( 1 ) commencing new foreclosure proceedings against me in XX/XX/XXXX as an owner of the subject property and executor of the foregoing refinance mortgage on XX/XX/XXXX as displayed within Exhibit G ; and ( 2 ) procuring final judgment against me in XX/XX/XXXX as an owner of the subject property and executor of the foregoing mortgage as displayed within Exhibit H.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: U.S. BANCORP
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I contacted US Bank via email to close my credit card account ( XXXX ) and they did such as requested. ( Please see attached document ). I had a rewards balance of $ XXXX and went in this morning to redeem such and the balance was {$00.00}. I contacted US Bank and was told by the representative that when the account was closed their policy is to inform the cardholder that " you will forfeit any rewards once the account was closed ''. I informed the rep that this was not closed by phone but via email. I was informed that it should have been in the email, but as you can clearly see it was not. If I had been informed of such, rest assured I would have taken the rewards before closing. 

No one in their right mind would throw away XXXX  XXXX dollars, especially with paychecks being stretched thin and inflation at an all-time high. 

I am requesting that US Bank honor their policy of informing a customer about " losing their rewards '' and send me a check for the rewards balance that was there when the account was closed.

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 2018-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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 submitted a dispute on my Capital One Credit Card ending XXXX in early XX/XX/2018 regarding a dresser that was purchased back in XXXX of 2018. The dispute was due to the fact that The dresser received was structurally damaged and unusable. I took pictures of the dresser and sent them to the furniture company the same day the dresser was received and filed a claim with the furniture Company. I was getting ignored by the furniture company none of calls returned and no progress on the claim after roughly 45 days. So I decided to submit a dispute of the charge to capital one. I answered a questionnaire that was sent to me by capital one regarding the dispute and sent it back to Capital One via mail. I also called and advised a representative that the documentation was being sent that same day. However capital one knowing all this info still rebilled this amount back to my credit card.

Company response to consumer: Closed with monetary relief