BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-03
Company: CL Holdings LLC
State: PA
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:
CEASE AND DESIT XXXX XXXX XXXX XXXX to a willing person, it is not a wrong XXXX company this is a written request for you to cease and desist all forms communication with me effective immediately. 
12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt.

15 USC 1692 ( c ) c ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumerwith respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Furthermore you have no jurisdiction or authority to collect on this allege debt.

( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is Latin for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine. 

You XXXX knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUED TO TAKE ON XXXXXXXX XXXX XXXX  XXXX Delete this alleged debt from your database and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: CITIBANK, N.A.
State: OH
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 aprox XXXX I attempted to obtain my account number. My statement did not have it available, the online option did not have it available. I didn't want a replacement card and was told that was the only way to obtain the account number. I wanted to pay off my card while obtaining funds for a balance transfer. I tried to explain that by law they should provide me my account number in order to make a payment. I could answer any security question requested if they had only asked. However, I was told the only way for me to obtain my card is to order a new replacement card and I could receive it in 10 business days.

This is incorrect and there should be a means to obtain my account number so I can send them a payment.

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 2018-10-04
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 status incorrect

Complaint:
I opened a credit card account with XXXX XXXX XXXX  on XX/XX/2018 in order to increase my credit score. Obviously I used it responsibly and paid it on time every single time, they even increase my credit amount from {$300.00} to {$450.00} in just one month. On XXXX I enter the iphone app and change the account to make payments from, and then a week later I noticed a " past due '' remark on the app ( did not receive a notification ). Supposedly, it was because of an error on the account information, which I verified and was correct. Tried to submit the payment again, and received a call a week later ( on XX/XX/2018 ) that my account was " past due ''. At that moment I authorized the representative to withdraw the " past due '' amount from my account ( the same one with the " error '' ) and he confirmed that the payment went through. I even authorized the remaining {$91.00} to be paid a week later as an automatic payment by the same phone transaction. All of the sudden and without any kind of notification my account was closed. I noticed because XXXX XXXX gave a notification. Today ( XX/XX/2018 ) I received a call from XXXX XXXX, again, about an error in my bank account ( after they closed my account without notification ), and I proceed to make the full payment with my debit card XXXX the one from the same bank account ), an option that was not presented to me before. Then I asked the operator to transfer me to the appropriate person to correct the information reported to my credit, as the account was closed by the credit grantor, and my credit score dropped 50 points, again without notifications, and not because I was not willing to pay, which was never the case. They even closed my access to my account over the internet or the phone app. I tried to find a way to fix this, and the ONLY option they gave me was to send via mail ( not email ) a letter from my bank verifying the account ( the same one I use to pay all my bills ), and he also said that it will take 7-10 business days to process this after they receive the letter, and that a separate dispute letter needed to be send to another department. And, I need this to be fixed right away, because of my credit score drop, and because it is all due to their lack of communication with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Experian Information Solutions 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 submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-03
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I opened a Synchrony Bank XXXX CareCredit credit card account on XX/XX/XXXX to pay for a {$1300.00} charge at my XXXX. I was under the impression that there would be a no interest promo for a set period, but when I set up my online account later I found that the transaction was only given a reduced 17.90 % APR plan. Then on XX/XX/XXXX a {$6.00} interest charge was added to my statement even though my FIRST payment is not due until XX/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 monetary relief
Consumer complaint received 2023-08-15
Company: Experian Information Solutions 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:
This looks deceptive and suspecious being a victim of identity theft my gaurds are up. Experian has my name spelled incorrectly on my report. my name is XXXXXXXX XXXX XXXX And experian has it XXXX XXXX XXXX -- -- that is not my name. Also the accounts have inaccuries as well. 

XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX account # XXXX both have inaccuries the date last activity are two different dates as well as last reported date, how can these account report different dates with two different activies but all happened the same time. Below i have uploaded documents proving my statement with my report reporting different dates.

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 2023-08-03
Company: Early Warning Services, LLC
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:
Early Warning System sent me my report. They are reporting fraudulent information on my report and are negatively affecting my ability to get a checking account. I never opened a XXXX account. They are also reporting a Checking account from XXXX thats not even my social security number. I have gave them my FTC report and XXXX and XXXX was both listed on the report along with XXXX XXXX. My identity was stolen and multiple checking accounts were opened in my name. My XXXX account I actually opened was closed due to it being compromised. XXXX stated I dont own them anything so I shouldnt have any negative information in Early warning system at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I called the XXXX # for Capital One and I spoke with a Representative about opening a Business Checking Account. I was transferred to the local branch in XXXX, Texas and the representative went on to tell me that they were short staff. She told me what was required to apply for the nonprofit business checking account. This conversation lasted roughly 30 minutes. I explained to her that the website she provided to me did not have any appointments available as far out as XX/XX/2025. I even told her that they have appointments in XXXX, XXXX, and XXXX, Texas. She told me to check back daily. I told her that I wanted to close my personal checking account with them. She sarcastically told me that they have the cash on hand whenever I come in and close the account. 

My frustration level was to the roof at this point, I asked her to let me speak to the Branch Manager. Of course she was unavailable. I spoke with someone else and they took my complaint. The Branch Manager, XXXX called me and she reiterated what her staff told me about being short staff. I explained to her that 30 minutes was waisted on me today. She went on to tell me that I would have to check daily. She did not care if I closed my personal account. I will be doing it over the next few weeks. 

I believe that I was treated this way because I was XXXX XXXX. What else could explain why the person did not want to open my nonprofit account. I have my tax exempt status from IRS, my Corporation paperwork from the state, letter indicating from my nonprofit that i am authorized to open the account, my EIN letter. The Customer Rep was just randomly calling out information that she figured I would not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: EQUIFAX, INC.
State: MN
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Rocket Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Changes in loan terms during or after closing

Complaint:
1 ). I have Applied for Mortgage with Rocket to Buy Condo. Its condo from Day 1, Purchase agreement ( XXXX XX/XX/2023 ) says that, Inspection report ( XXXX XX/XX/2023 ) says that, and again Appraisal ( XXXX XXXX ) says that. 
2 ). Rocket Mortgage agreed for 7.25 % Interest rate, with Zero points on XXXX XXXX. However Rocket has added XXXX points ( XXXX usd ) in Final disclosure on XXXX XXXX. I have not agreed. However to Close loan. I was forced to Agree, 3 ). Rocket Mortgage wasted time ( Not to send Final disclosure till XXXX XXXX ( Even they Know closing date was XXXX XX/XX/2023 ) 4 ) .My request is to get refund of additional charged amount of XXXX points ( XXXX USD ) I have attached all Proofs of Communication with Pdf attached. I can provide more information as and when needed. 
5 ). Rocket Mortgage executives, telling Lie over Phone and sending different over Rocket account ( Wrong estimates ) they wasted my time from XXXX till XXXX XXXX with out sending Correct Loan estimate 6 ). Initially Rocket Mortgage added XXXX points because Property type is Condo. I have discussed this with Many times with Middle Management However they said they can not reduce. Because of Condo. ( From XXXX no change, its condo from Condo ) 7 ). Final Disclosure came with XXXX points, which is XXXX usd more than agreed on XXXX and Removed Lender credit. 
8 ). I have reported to rocket, However they did not agree to refund. they just increased the cost no reason for me. 
Thankyou

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion report . This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2023-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My XX/XX/2023 statement for my Bank of America Visa card showed a previous balance of {$940.00}, of which I paid {$930.00} on time. The statement showed an assessed interest charge of {$13.00} based on {$790.00} of balance subject to an interest rate of 19.49 % for purchases. This number didn't make sense to me because most of my balance was paid on time, and only {$3.00} of the balance was outstanding. 
On XX/XX/2023 I phoned Bank of America to ask how this balance was calculated and they told me they couldn't tell me that because the number was generated by their computer.

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 monetary relief
Consumer complaint received 2020-03-12
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, fraudulent activity appeared on my Amazon Synchrony credit card. I noticed 4 fraudulent charges and notified the company of these. 2 of the 4 charges have been removed and the company has been notified numerous times with no change in my balance. Now a late fee has appeared on my credit card statement. I am concerned that this company will report this activity to a credit card agency that will result in a ding to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Transunion received my correspondence on XX/XX/2023. I Never received an Investigation summary or report. 

( 1 ) TRANSUNION is in violation of my consumer rights, violating FCRA 611 ( a ) ( 1 ) ( A ). I have not received any WRITTEN response within the given 30 days of a reinvestigation. It has been beyond 45 days without any WRITTEN response from TRANSUNION on a thorough reinvestigation. 

( 2 ) TRANSUNION is in violation of my consumer rights, violating FCRA 611 ( a ) ( 2 ) ( A ). I never received " A Prompt Notice of Dispute '' in WRITTEN form at any time.

( 3 ) TRANSUNION is in violation of my consumer rights, violating FCRA 611 ( 5 ) ( A ) ( i ) ( ii ). The account that was requested to be physically verifiable was not ( i ) Promptly deleted or ( ii ) Promptly notified of modification or deletion. 

( 4 ) TRANSUNION is in violation of my consumer rights, violating FCRA 611 ( 6 ) ( A ) and ( B ) I have received NOTHING in writing from TRANSUNION and I have NEVER authorized any other communication besides " In Writing ''. 

TRANSUNION is completely incapable of providing CLEAR evidence that they are not in violation of the items stated above.

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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Fraudulent account ( from XXXX, a horrible fraudulent company ) reappeared on credit report. Attempted to dispute online but the website is down. The help page does not contain contact information. I called to dispute by phone ; I had to enter and re-enter my private information at least 3 times before it put me on hold ; however there was no sign I was even on hold or the call was placed in a queue. I waited for over an hour and no one answered the phone. There is absolutely no other option for disputing information in the credit report that is false. This is absurd.

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 2023-08-03
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On Sunday XX/XX/23, 11 unauthorised transactions were done by someone from my paypal account. Money was transferred to someone in Canda, I raised the issued with paypal team in half an hour of these transactions, however paypal refunded for 7 transactions and 4 transactions were kept on hold, even after repeated emails and calls they didnt do anything and remaining transactions also got cleared from my account. After hundreds of followup, paypal refunded me for three more transactions keeping 1 transaction as pending.

Kindly help

Company response to consumer: Closed with monetary relief