BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
When Equifax had its data breach, I read about it and following their instructions, I put a security freeze in addition to an anti-theft program on my credit immediately. At that time my credit rating was around XXXX. 
Two weeks ago I was denied credit for a {$50.00} a month internet service!!!! I tried to correct this by phone with Equifax who would not help me at all, I have requested my report by mail but still do not have it. I received on XX/XX/XXXX, a written denial from the Internet provider and they report my credit score at XXXX. 
NOTHING HAS CHANGED since I put on the freeze.. I am flabbergasted that they can do this to my credit rating - all because Equifax negligently leaked my private information and I used the tools Equifax suggested to protect my identity and assets.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-03
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I've sent a validation letter back on XX/XX/XXXX. I've received nothing but a snap shot of an account. I asked for the following below so I'm submitting another complaint. 


I'm disputing this account. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?

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 2021-06-30
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I spoke directly with the consumer reporting agencies on XX/XX/XXXX & XX/XX/XXXX after noticing multiple new inquiries on my consumer reports and was instructed to contact the 'creditors '. After doing so, no accounts were found using my credit card number ( social security card ) but no person was willing to remove the inquiries pursuant to 15 U.S. Code 1681c2, 15 USC 6802, or otherwise. I gave mention of a previous FTC report filed # XXXX and the consumer reporting agency claimed they never received it. 

INQUIRIES : XXXX XXXX ( on XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( Equifax ) XXXX XXXX XXXX ( Equifax ) Because the 'creditors ' received no expressed permission or consent, nor extension of credit from me, the original creditor, and refuse to abide by the laws set out in the Fair Credit Reporting Act, they are now criminally liable per 15 U.S. Code 1611. 

Per 15 U.S. Code 1681c2, the consumer reporting agencies must remove said inquiries in the next 4 days and criminally liable per 15 USC 1611 for denying my request for removal and not upholding the laws of the Fair Credit Reporting Act. 

15 U.S.C 1681 states : " The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

An elaborate mechanism ( consumer reporting agencies ) has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 

Consumer reporting agencies have assumed ( assumed, meaning appointed themselves. They are not a government agency ) a vital role in assembling and evaluating consumer credit and other information on consumers. 

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' I am submitting this complaint to hold these consumer reporting agencies accountable as my rights to privacy and my reputation as an original creditor and consumer is negatively impacted by these fraudulent inquiries. 

Per 15 U.S. Code 1681a, " the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; '' Inquires are a transaction and/or experience between a consumer and the person ( or organization ) making the report. Having these inquiries on my consumer report is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Someone used my correct home phone number but incorrect driver 's license number and other incorrect information to try to open a Target credit card account in my name on XXXX XXXX XXXX. I do not know if there are other fraudulent charges on my other accounts. I am still looking into this I wanted the XXXX credit agencies to know I am NOT opening ANY new accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29
Company: PNC Bank N.A.
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX a debit was made to my account in the amount of {$440.00} that I did not authorize I contacted the bank and they said it was made at XXXX in XXXX Wv. I contacted XXXX they said they had no record of that transaction I called the bank back and they temporarily refunded the money they did not tell me it was temporary and did not advise me they were sending a letter of dispute the letter came but looked like junk mail and I didnt realize who or where it was from on XX/XX/XXXX they took the money back out without any attempt to contact me causing over draft fees I spoke with them and they said to find the letter and fax it that was on the XXXX of XXXX that it was faxed I call every other day and get a run around nobody will talk to me if Im lucky enough to get a person they say its not there department and will have someone contact me but never do and I have left messages and dont receive email or call back all I want is the {$440.00} refund and the over draft fees I have received very poor customer service on this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2021-06-29
Company: JPMORGAN CHASE & CO.
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:
Turn on transferred {$5000.00} to chase to open a bank account and as soon as the money hit the account and they closed it and I did everything that they asked to prove to them who I was because it was one covid it just hit and they suspended the funds after I called complaining that they were making money off of the money that they should have already sent me a new check needless to say they still tell me I'm not who I say I am and then I'm not getting my money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
CHASE Bank closed my Credit Card account, and the reason they did was due to non-payment. My bank said CHASE bank never attempted to withdraw a payment from my account. I asked CHASE bank to provide me a letter of the checking account they tried to withdraw from, and they keep giving me a run around. I need this to provide to my bank, and also it hurt my credit report, and I am in the process of purchasing a home. 

They will not have a Manager call me. They don't have supervisors to speak with. They let you speak to people that don't have any knowledge how to repair the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Deficiency balance after repossession

Complaint:
I financed my 1st car with Credit acceptance not knowing how much pain and suffering this company would put me through. Originally, this car was priced roughly {$13000.00}. Credit acceptance added a 20 % interest rate, making this car over {$22000.00}. I was struggling to pay my car note of almost {$400.00} every month along with my car insurance. I became XXXX and was working extra the whole time just so I could be able to pay my car note and try to save extra money to cover the future payments after I had my baby. Eventually, I ran out of money and had to make the hard decision of voluntarily surrendering the vehicle. Fast forward, I am now being sued for the deficiency balance plus additional fees and interest totaling over {$7000.00}. I am XXXX XXXX, single mother and have no assets. I have no money to give this company and I do not feel that they deserve another XXXX from me after experiencing how this company takes advantage of their consumers.

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 2021-06-29
Company: National Credit Systems,Inc.
State: TX
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:
National Credit Systems refuses to send me the information that I have requested to verify that they have the right to collect a debt on behalf of the XXXX at XXXX XXXX, the original creditor. 

They sent me an invoice that was generated but has no signature from the original creditor nor a signature from me. They also won't send me any information on their agreement with the original creditor to collect the debt on their behalf. 

I do not owe this debt. I do not remember owing this amount and I remember having paid the full amount upon moving out years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: TRUIST FINANCIAL CORPORATION
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:
Hello, I am writing to report Suntrust Bank. I had taken out an auto loan several years ago with suntrust bank in which I ended up having to do a settlement amount that was paid in full last year. The document that suntrust has given me states that I fully paid the settlement on XX/XX/2021. Since then I have been calling suntrust and all credit bureaus to get this updated, however, my credit reports are still showing missed payments for each month and an owed amount. When I call the credit bureaus they tell me that suntrust is reporting that I have never paid, however, when I call suntrust they tell me that they have been trying to get in contact with the credit bureau to let them know I have paid and even pretended to open a dispute on my behalf. When I call a few weeks later after being told time and time again by the credit bureaus that suntrust is still reporting every week that I have not paid, the are unaware of any dispute ever being open and just keep lying. I have been tirelessly trying to get this removed for over seven months and have been constantly lied to and manipulated into thinking it would be resolved only to see that month after month nothing has changed and Suntrust is still reporting that I owe each month to all of the bureaus. I am being affecting in every aspect of my life with the misinformation on my score. I would like to report suntrust bank for bad business practices and for lying continuously. Thank you

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 2022-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am a business owner and applied for a PPP Loan in XXXX with my bank ( Bank of America ). After receiving a deposit for a little over XXXX I used every penny of it on my staff 's payroll. At the time the application was submitted I had XXXX employees. After I submitted my forgiveness application I was told I did not qualify for 100 % forgiveness. They were only going to forgive approx XXXX of it. This has left me a XXXX + payable that has all been legally spent on payroll. I was told by Bank of America that they overfunded me and did not realize that I had more 1099 's than W-2 employees. I put the entire staff on as w-2 employees the minute that I received the money. I have reports stating the use of funds. I had no idea that the 1099 payroll would be a problem, but as I stated, they all went immediately to W-2 which puts money in the state and federal government 's hands with the payroll taxes that I paid and the employee 's have paid along with other employee related expenses. I have asked my banker for almost 2 months to send me the loan documents that were submitted at the time of the loan and he has not been forthcoming with these documents at all. I was happy to receive the loan considering the immense uncertainty that took place at the onset of Covid-19. I did not know if we would be in business or shutting down. When the loans came out there was a strict deadline by which the money could be used, so I gave everyone raises to the point that the money would all be used by the deadline. Halfway through the higher payrates, the deadline was extended. I did not reduce the amount of payroll. I maintained a much higher pay rate for my employees and at the time that all loan money was used, I lowered all payrates back to their original amount. I have tried to work with the SBA and my bank to plea my case, but all they seem to care about is the payroll reports for XXXX. I need someone to forgive 100 % of my PPP loan based on what the money was used for. I was overfunded and that was the SBA/Bank of America 's fault for not actually looking at they payroll reports from XXXX. Now I'm in huge mess with this outrageous/unnecessary amount of loan money to pay back that my company simply can not afford. This loan was meant to help business stay in business and pay their employees ... .that 's exactly what happened and now they want me to pay it back. I have already started making payments. This is going to cause me to lay people off and cancel any plans for growth and possibly bankrupt a business I started in my garage in 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 monetary relief
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I do not live at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX and do not receive mail here. Someone has opened an account with my information and has used this address, i would like this address removed from my consumer report 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 2020-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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 have tried to file a dispute multiple times over two years with the three credit bureaus. i have supplied verifying documentation. the credit bureaus have not updated the accounts with accurate information. i called the credit company and they said they were not able to supply accurate information or did not have the information required for the report. they requested that i supply them with their own documentation. furthermore, it is clear that the credit bureaus and credit provider have limited the ability for consumers to submit information or to contact them in ways that are significantly detrimental to average consumers. the corporate culture that has been developed is significantly detrimental to certain demographics too.

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 2023-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I hereby do not acknowledge the following accounts and/or account balances described in the attached documents.

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 2023-05-14
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: Account information incorrect

Complaint:
XXXX, experian, XXXX Showing negative accounts on my credit report that are not in the negative please remove

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 2022-01-19
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my property in XXXX of XXXX i currently have XXXX on my mortgage of {$340.00} and my property value has increased significantly. My current mortgage company ( PHH Mortgage ), in addition to other mortgage companies constantly send me letters stating that i have equity on my house to borrow from or to refi. 
Based on the increase in value, i wanted to refi and remove the XXXX. But the interest rate currently is higher than my interest rate of 3 %. I was told by a banker at the time of purchase that if my property value reached 80 %, i could request removal of XXXX 
I reached out to my mortgage company to request removal. They let me now that they would need either 1 ) Appraisal OR 2 ) improvements to the property. I went for option 1. They asked me to fill out a form and send {$320.00} for appraisal. I filled out the documents and sent it in with a cheque. Within a few days, my cheque was cashed but i did not hear back. When i called back, they told me that i now needed to provide proof of significant improvements to the house. I told them that they need to escalate this as i was never told this and it should not be the case. Today i received a letter from them stating that they declined my request unless i provide proof of improvement. 
I was never told that i needed to both. Nor do i think in my opinion that both are required. Because the mortgage company is not benefiting from me removing XXXX they are giving me a hard time and holding that against me. They are unfairly denying me my right to remove XXXX based on property value. On my account dashboard, they are estimating my house value to have gone up by approx $ XXXX. and as i mentioned, another department keeps contacting me to refinance or borrow from equity. 
I am attaching a copy of my XXXX XXXX  where they posted estimate value and well as zillows estimate value.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On the XXXX of XX/XX/2022, my PayPal account was permanently restricted. The reason listed was a change in business model or your business model was considered risky. I have not done anything to my account that would justify this. After some research I discovered this phenomenon is caused when PayPal is opened with a XXXX active. Due to my personal security, I keep a XXXX on my phone, and made the mistake of not turning it off before opening PayPal, which likely flagged my account.

Company response to consumer: Closed with explanation