BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC DEPTEDXXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX DP OF EDUC Account Number : XXXX DP OF EDUC Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX DEPTEDXXXX  Account Number : XXXX DP OF EDUC Account Number : XXXX DP OF EDUC Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I was diagnosed with XXXX XXXX XXXX and was told that would need to undergo XXXX. So in anticipation of being out work I notified my creditors to let them know of situation so that I can utilize my XXXX benefit that I knowingly and purposely apply for as a smart consumer especially because I have XXXX  XXXX. All companys were ok with applying my benefit except for Barclays after numerous attempts to exercise my benefit that I pay for which I applied for during the application process for the credit cards. They refused to use my benefit and then just this week I received a letter from a collection agency attempting to take me to court to collect the debt that didnt have to happen had the creditor applied he XXXX benefit I was paying for. This is unacceptable and demeaning and by now have increased in charges due to interest and fees that I should not be liable for since I was paying for a benefit to protect me in case of hardships.

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 2020-12-24
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: Account status incorrect

Complaint:
I have previously attempted to make contact with XXXX which shows on my credit report as a negative and delinquent account. This loan was paid off by XXXX XXXX after the vehicle was deemed totaled and unsalvageable. The remaining balance left was covered by the Gap insurance that was purchased for the vehicle. This account was paid off in full and shows a delinquent status on my credit report. The current status of the account is not correct and is unverified. The amount of time that has gone by with no communication or update to my credit report has caused disapproval of loans, denial of jobs etc. The reporting is inaccurate and inadequate and unverifiable

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 2023-09-22
Company: EQUIFAX, INC.
State: NY
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 2021-05-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is getting ridiculous. This account is not mine. Portfolio continues to report this to the credit bureaus and does not even have the information to provide me. The letter from the creditor dated XX/XX/XXXX shows this was for a LOAN. I have never had a loan with XXXX. Every response the send me is the same information over and over again and nothing new. They provide me with statements that show between XX/XX/XXXX - XX/XX/XXXX nothing at all between XX/XX/XXXX - XX/XX/XXXX. That is 4 months of missing with nothing to show. How do I know there was not a payment, how do I know that the account wasnt closed and paid for. Also if this says for a LOAN on the letter why are they sending credit card bills. No charge off the bill showing when it was truly charged off. 
This has been going on for months. They dont even have my full social security number. They dont respond to my disputes in regard to what I am actually asking for and just keep sending the same generated responses. 
If this account isnt immediately removed I will file a lawsuit for defamation and harassment. I have had enough. 
NO purchase agreement, principal on the letters says XXXX and they are asking for XXXX. I also never have had a loan. Never got a letter from XXXX or anything from my portfolio until I started to dispute the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: Paypal Holdings, Inc
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On around XX/XX/XXXX of 2020 I authorized unemployment to make a direct deposit to my PAYPAL Inc. Account in the amount of {$560.00}. PayPal accepted the deposit and then immediately froze my account and said they wished to longer do business with me. My account was " closed '' and they said that any balance on my account would be held for 180 days. I had used my account for various purchases from where I had deposited cash to my account. I've never had money deposited from anyone buying anything from me. So there would be no reason to hold my money for so long to allow a customer to dispute a purchase from me, since there never was one. The {$560.00} balance in my account is from my unemployment benifits, so obviously I need that money and have since XXXX. I have tried persistently to get in touch with PayPal and resolve this matter to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2020 Bank of America, XXXX NC My debit card was stolen and I reported it to Bank of America and had a block put on the card. In the mean time, someone used my card to manipulate my account at the ATM and then purchase a money order from the local XXXX XXXX grocery store. XXXX XXXX pulled the security tape, we filed a police report, and then shared it with Bank of America. 

BOA repeatedly said they were looking into it but has yet to resolve the issue and return my money. My pay check was deposited around that same time and BOA charged me overdraft fees and applied the every XXXX of my check to an account that was closed to satisfy their loss. My loss was over {$2000.00} and they have yet to reimburse me. They continue to stall in hopes that I will give up. 

I know that is not how the process works as both my parents have had a card lost or stolen once before and their bank immediately blocked the card and restored their losses.

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 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 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 2019-02-06
Company: SLM CORPORATION
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In early XX/XX/XXXX, I co-signed for a Parent Plus Student Loan ( XXXX XXXX ) I was told by the financial aide at the school that this was the only way to ensure my daughter would be able to continue her education. I had given the school {$10000.00} upon her enrollment. The 1st loan ( {$7300.00} ) was completed over the phone ( XX/XX/XXXX ), I was told it was recorded for verification. I agreed to pay interest only on that loan. To date Ive paid approximately {$3400.00}. During this same period my daughter was given an unsubscribed loan from XXXX  ( {$5400.00} ), even though I was told she could not qualify for this. The next Parent Plus Loan was on XX/XX/XXXX ( {$12000.00} ). I was never notified, called or was aware that this took place until XX/XX/XXXX. The discovery was brought to my attention upon graduation. I went to the school and met with Dean of Students, Financial Director and Student Advisor. Together we went over my daughters ledger. That loan was supposedly authorized by me and I allegedly agreed to defer interest. That never occurred. During this same period she was given another personal XXXX Loan ( {$3000.00} ). The 3rd Parent Plus Loan was on XX/XX/XXXX for {$2900.00}. I was called an again agreed on phone to interest only on a recorded line. To date Ive paid {$1000.00}. This loan is not anywhere on her ledger sheet, Ive repeatedly asked for XXXX XXXX to investigate all inconsistencies stated above. I was told this was my problem and to go to school to straighten this out unfortunately the school is closed. 
During this same time XXXX gave my daughter another unsubscribe loan for {$3700.00}. XXXX XXXX has threatened me to charge my daughter with fraud, and for me to call the police dept. Ive asked them to put the matter on hold until I could try to gather information. They have ignored my requests and reported my late payments to Credit Bureau. This is unfair and not necessary. Once I began my research Ive discovered that the XXXX XXXX of Michigan and XXXX XXXX have numerous law suits for these practices. Ive retained legal representation for these matters. We have not filed any actions as yet. I was also told by the school that their XXXX XXXX loans were competitively priced. # 1 is at 9.75 % # 2 is at 11.00 % # 3 is at 9.25 %, far from competitive. Ive attached a recent letter I sent to XXXX XXXX via registered mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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.

has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 my rights have been violated. 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 I recently reviewed my credit report and noticed some unauthorized accounts on my credit report. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 1681B 2. I never instructed anyone to furnish or create this 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 2022-04-04
Company: Experian Information Solutions Inc.
State: NJ
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:
1- XXXX XXXX XXXX XXXX XXXX know where it came from or who did it but it says unspecified inquiry that i didnt make is fraud. i call the company they say the same thing. 

2- XXXX XXXX XXXX : I CALL the company provide them with my social and information and they cant find any information they told me to contact you you guys as well the cosumerfinance team they have no record of me or anything of the sort. 

3- US SM BUS ADMIN ODA : When covid 19 came a-lot of people was doing fraud on accounts and i think my was one of them dont recognize this inquiry please verify thank you. 

4- XXXX XXXX XXXXXXXX XXXX also made and inquiry to my report but they number never work is no way of contacting this bank and idk where did it came from please verify 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 non-monetary relief
Consumer complaint received 2023-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/23 I had a bill pay issued from my Capital One account # XXXX for {$2000.00} and the check was lost in the mail. The vendor never received it. 

After the check was reported lost after 10 business days according to policy I waited for the refund. I have never received a refund. I have called Capital One over 15 times, spent 30 hours on the phone, I have been lied to at least 5 times by front of staff and management on when my funds will be returned. I have been a client of capital one in various ways for almost 18 years. 

I just started checking with them and I could not be more upset. I have an auction item that must be paid and Capital One is intentionally not refunding my money. I am without {$2000.00} to run my small business and Capital One is violating its own policies by not refunding me for a lost check. 

Many times I call customer service they are foreign, put me on hold, and then just flat out lie to me. 

It should be a regular course of business that checks are lost, stops placed on them and given a reasonable amount of time the check refunded. I am being held XXXX by Capital One and there is NO ONE who will fix my problem because they are an internet bank there is no where to go. 

Also, the calls to the foreign country were complaints go is a terrible line that is static filled and drops. My call has been dropped numerous times and only ONCE did Capital One call back. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was working with Wells Fargo to get a home loan. Wells Fargo XXXX XXXX branch didn't respond to my inquires on about the process. The lack of communication and their lack of understanding the requirements for a loan on a manufactured home. XXXX XXXX didn't communicate with me after multiple calls, emails and texts. She repeatedly informed me the loan would be approved on multitude occasions. The team had two appraisals scheduled and wasn't aware they both got accepted. XXXX XXXX go involved and was disrespectful in his communication to me and my real estate agent. 
XXXX XXXX called to tell me that Wells Fargo would not provide the loan for the property. He could not give me specific reasons why the loan would not be funded. I asked for the details of why the loan was rejected to be emailed to me and I never got an answer. 
I have since found another lender and asking to have the appraisal released to me and the new lender. Wells Fargo will not release my appraisal i paid for.

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 2023-11-08
Company: BARCLAYS BANK DELAWARE
State: WV
Product: Credit 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:
XX/XX/2023 {$710.00} I have disputed this transaction awhile back, I did not get any confirmation for this dispute case. I have no information besides the screenshot attached saying that there is an existing case but I find no information about the status of it. I have proof that a credit is due from this merchant but Barclay hasn't responded to me at all.

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 2023-11-22
Company: Experian Information Solutions Inc.
State: PA
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:
After receiving response that my account/debt was verified. I sent in a MOV letter on XX/XX/23 to all 3 credit reporting agencies regarding numerous account ( all will be attached to this complaint and where also attached to my dispute letters ) based on 611a ( 7 ) and 15 USC 1681g. These agencies have failed to respond and/or furnishing the requested information or documents requested or the process, who the spoke with, what documents they received, what records where checked, how the account was verified, or what was used to validate this debt with the creditor during the the reinvestigation and none of this information was sent to me via mail as requested in the MOV dispute letter.. This is a violation of the FCRA. Also this creditor is in violation os 15 USC 1581. in this case there is unlawful deformation of my credit. There is no documentation furnished with my wet signature, no original contract, or nothing from me stating I gave my permission for this to be reported on 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 2023-09-22
Company: EQUIFAX, INC.
State: PA
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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Name of Account Account Number Provide Physical Verification 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  Unverified Account 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 response to consumer: Closed with non-monetary relief