BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: TX
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:
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.

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 2023-02-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX I called fifth third to see if I could get any overdraft fees reversed because I had been told in XXXX when I called, I would be eligible after XX/XX/XXXX. Also to note I called in XXXXXXXX XXXX XXXXXXXX and was told I was eligible in XX/XX/XXXX which is why I called in XXXX. In XXXX, I was told I had to wait a whole calendar year before I could request one and the first one I received was in XXXXXXXX XXXX XXXXXXXX. ( Same thing I was told in XX/XX/XXXX but that the first one was in XXXXXXXX XXXX XXXXXXXX ). 

The rep i talked to on XX/XX/XXXX told me I was not eligible till XX/XX/XXXX and not sure why I was told differently. I asked to speak to a supervisor because all the calls are recorded and I wanted to know why I had been told wrong info several times. I was transferred to a specialist and not a super ( XXXX  She would not give me full name ) she was very rude and kept repeating herself and told me they would not review the calls because they only do when its an error on the bank. I told her this was, they gave me wrong info. These people should be at the least coached! I again stated I wanted to talk to a supervisor, she immediately transferred the call and cut me off. 

I then talked with a supposedly supervisor named XXXX ( would not release his last name ) he explained my first reversal was in XX/XX/XXXX which is why I had to wait till after that date to ask for any fees back. I had fees accrue in XXXX and XXXX but since I didnt ask for any of them to be reversed till my XXXX fees, they use that at the start date for the reversals. 

While I understand now I am completely appalled by how I was treated and how so many agents could tell me wrong things. This is deceptive and deceiving as well as does nothing to help the consumer who has banked with them for several years and paid several hundreds of dollars in fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Experian Information Solutions Inc.
State: CT
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:
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 were not given permissible purpose or any written consent by me to inquiry on my consumer report ; furthermore I do not have any open/end account with any of these companies.

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 2023-12-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
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: Their investigation did not fix an error on your report

Complaint:
I am writing to express my deep dissatisfaction and concern regarding Portfolio Recovery Services LLC ( PRA ) handling of a debt validation request and their subsequent reporting on my Experian consumer report. My attempts to rectify the situation through correspondence have unfortunately proven futile, prompting me to escalate this matter and file a formal complaint. 
On XXXX XXXX, a debt validation letter ( Exhibit A ), seeking clarification on the reported debt of {$870.00} on my XXXX consumer report was received by PRA. Regrettably, PRA responded with an unsigned letter ( Exhibit B ) & ( Exhibit E ) asserting the validity of their claim, accompanied by misleading and confusing information. The key issues with their initial response are as follows : PRA 's response contained conflicting statements, as they asserted to be both the current creditor and a debt collector. This contradiction raises concerns about the accuracy and transparency of the information provided.

Despite my explicit request in the debt validation letter for a breakdown of the amount owed, PRA failed to provide a clear breakdown of how they calculated the debt. Instead, they supplied eight random statements with varying balances, ranging from {$490.00} to {$830.00}. This discrepancy further adds to the confusion and misrepresentation of the debt in question. The alleged demanded debt is being reported with a {$870.00} balance, but no proof of this calculation was presented in their documents. 
Subsequently, on or around XX/XX/XXXX, I submitted a second letter ( Exhibit C ) to address these issues and request a thorough investigation. However, PRA, in their response, ( Exhibit D ) not only refused to investigate but also insisted on continuing to report unverified and adverse information on my consumer report.

The continued reporting of inaccurate and unverified information by PRA has resulted in credit denials and severe financial stress for my personal business. It is my firm belief that as a consumer, I am now a victim of PRA 's ongoing violations of the Consumer Financial Protection Bureau ( CFPB ) order mandated in XXXX ( CFPB XXXX XXXX ). No Contract exists between me and PRA, also this debt is an alleged debt that PRA has chosen to pursue without a lawful claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: TN
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: Their investigation did not fix an error on your report

Complaint:
I was a victim of identity theft, my id was stolen and used to get loans and credit. I filed the correct paperwork and sent to the credit agencies. The disputes have not been filed correctly and I have not gotten copies of the verification process. All these things are a violation of the FCRA. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
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:
I am writing to file a complaint against PayPal for wrongfully closing my account. I have been a loyal customer of PayPal for over 20 years and was recently informed that my account has been permanently limited. This has left me unable to use my account, which is a significant inconvenience. 

I started an online record store on XXXX marketplace in XX/XX/2022, and the only payment provider available to me was PayPal. I have been doing relatively well with sales, and every time there is a change in sales for the better, PayPal has issued a long hold on the funds, slowing down my business. Recently, PayPal requested proof of purchase, proof of fulfillment for six different orders, as well as a description of what my business does, which I willingly provided. 

However, to my surprise, I received a letter from PayPal stating that my account had been permanently limited due to potential risks associated with it. This decision does not make sense as I have a great reputation in the marketplace with my customers, which I gained quickly. I have 92 customer feedback ratings with a 100 % positive score, with many customers noting fast shipping, carefully packed orders, and records exactly as described. 

Moreover, I finally got back on my feet after being without steady work for almost 2 years due to the constraints caused by the COVID-19 pandemic, and I am now forced to completely close my XXXX store as PayPal is their only payment provider. I was on the way to opening a second store, but now my income has been cut. 

I have carefully read through all of PayPal 's documentation and could not find a single thing that I violated. Furthermore, all the orders that PayPal requested information on were fulfilled and delivered. 

I strongly believe that PayPal 's decision to permanently limit my account is unjustified and based on erroneous information. I request that you investigate this matter and take appropriate action against PayPal. I hope that my account will be reinstated, and I can continue doing business with PayPal in the future

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-02
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 FOUND ON MY CREDIT REPORT NUMEROUS INACCURATE INFORMATION THTA LEGALLY SHOULD BE REMOVED FROM MY CREDIT REPORT

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 2021-10-20
Company: Mr. Cooper Group Inc.
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been having difficulties with Mr. Cooper since XXXX and finally had resolution in XXXX but I'm having difficulties again. I make partial payments for my mortgage, first payment last week of previous month and the XXXX payment the first week of the month due and they continue to misapply my payments and now charging me finance fees because they will not move my payment out of other and into principle/escrow accounts. I have spoken to XXXX XX/XX/XXXX and XXXX XX/XX/XXXX and they haven't moved my payment to the correct accounts. I have health issues and I shouldn't have to deal with incompetent customer service reps and fear that my principle and escrow are incorrect due to their incompetence. Mr. Cooper will say since I make partial payments it isn't up to them to apply it correctly, their computer does it but after several phone calls you would think it would be fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
In accordance with the fair credit Reporting act Kohls Department Store acct # XXXX has violated my rights. 



15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a-Definitions ; rules of construction-Exclusions.

Except as provided in paragraph the term consumer report does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
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: Investigation took more than 30 days

Complaint:
i have linked the previous response the company XXXX XXXXXXXX XXXX XXXX said in the last CFPB complaint for reference which I find unsuitable. The company stated I was willing to pay them for a debt i have no knowledge of and ill and wrongfully stating to have sent me proof of validation on XX/XX/22 when that is false they have not sent me proof of ( proper ) validation regards to the FDCPA, XXXX and the FCRA including a breakdown of all fees including all collection as well as medical charges. To claim i owe them and not provide proof of the listed validation, contract they claim to have with my signature of agreement to pay them ( they claim ) is absurd. They will not be receiving any funds from me till their claims are proved to be correct. They don't even have my real address which is also proof they are just throwing things onto people 's credit and I will not tolerate this and they have no consent to add anything back onto my report till they prove their claims to me and they have a duty to prove proper reporting to me not the other way around. The company even took more than 30 days to response till i made the CFPB complaint which also is in violation of the law which I will also bring to me to court as evidence of the predatory practices if they so choose to feel the need to report onto my credit report again after mentioning to them him they have no consent till they provide ( PROPER REQUESTED EVIDENCE OF THE ITEMS LISTED ABOVE ). XXXX and equifax I will also hold accountable for sitting back, seeing this happening and deciding to stay out of it when you have a duty to report accurate information and you are not just as well as they do ( XXXX XXXX XXXX inc )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: AXOS FINANCIAL, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a new checking account at Axos bank in XXXX, linked my old checking account with this new one at Axos on XX/XX/XXXX and then moved {$3800.00} from the old to the new on XX/XX/XXXX. 
When the money cleared on XX/XX/XXXX and I tried to make a transaction, Axos bank froze my account and asked me to provide a void check which proves that I own the old checking account from where the money came. I provided the void check on XX/XX/XXXX. 
Axos bank unfroze the account on XX/XX/XXXX! I tried to make another transaction the next day but Axos refused to process it and closed my account on XX/XX/XXXX, with no reason whatsoever given! 
The absolute worst part of all these is that they have refused to return my {$3800.00} to my old checking account. They want me to wait another 60 days before I can get my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: JPMORGAN CHASE & CO.
State: DE
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:
XX/XX/XXXX statement on Chase credit card - balance of {$1200.00} ( approx ) Paid entire balance on XX/XX/XXXX ( before XXXX due date ) XX/XX/XXXX statement - balance of {$7.00} for " residual interest '' Per call with Chase customer service on XX/XX/XXXX - residual interest charged for period between XX/XX/XXXX and payment date. 
would not waive residual interest and had to pay No mention on XX/XX/XXXX statement that even if entire balance paid, would still be responsible for residual interest through payment in full date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/2021 I contacted Experian Credit Bureau to have them correct the spelling of my name, which is spelled incorrectly on my credit report. I also sent in a letter back in XXXX not only asking them to correct my name but also to remove an account associated with that name they have reporting to my credit profile. When I spoke to them on XX/XX/XXXX I let them know that I had sent in a letter to dispute information on my credit report, to include the wrong name reporting and a charge-off account with XXXX XXXX XXXX doesn't belong to me. I was told that even though I had sent in the documentation showing the correct spelling of my name that the information won't be updated. I know that the Fair Credit Reporting Act states that the information within my credit report must report accurately and if it's not then it must be removed by law. Since they have my name reporting inaccurately and the same name is attached to an account that I don't know about, by law it should be removed correct? I feel like I am being denied my rights that is clearly stated in the FCRA. They are not upholding the law and it is causing me to get denied for employment and for a house. This is affecting my livelihood and causing me distress. I also requested for Experian to send me proof of verification from the company, XXXX XXXX, along with a copy of a signed contract between myself and that company, which I never received. They actually did nothing that they were supposed to do in this matter.

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 2021-10-20
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've asked this company ( Designed Receivable Solutions ) twice ( XX/XX/2021 & XX/XX/2021 ) via certified mail to validate the alleged amount ( {$310.00} ) of debt that I supposedly owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 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  Above Listed 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 diverse item of information, other than records of convictions of crime 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 if the person knows or has reasonable cause to believe that the information in 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 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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/2022 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.

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