BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-11
Company: BBVA FINANCIAL CORPORATION
State: CA
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:
The CFPB has jurisdiction over this isssue because as a consumer I have been victimized by unfair, deceptive, and misleading practices by the bank where I Have been a loyal and responsible user, discriminating against me unfairly and without good cause. Therefore, I am protesting the wrongful and unlawful closure of my credit card ending in XXXX that was NEVER DELINQUENT. 

1. I opened this credit card around XX/XX/XXXX and was NEVER DELINQUENT, as you can see by my credit report this card was never 30 days late, etc. because I managed this debt responsibly. I am XXXX due to XXXX, and I require this card to make medical purchases. 

2. On or around XX/XX/XXXX my card was lost and I contacted BBVA Compass Bank to request a replacement be mailed to me. 

3. While waiting for the card to arrive, I paid the card in person at the branch. I was informed at the branch the replacement card was on the way. I was never informed by the branch this card was closed, and I had no reason to believe my account was closed. 

4. After waiting for months for my replacement card, I checked the status online : As of today online the account shows available credit of {$490.00} ( Exhibit 1 ), 5. Also, because I have still not received my BBVA Compass Bank credit card, I phoned in to Compass Bank, and was informed today that my account was closed because it was late, which is why I was not issued a replacement credit card.

5. Compass bank is misleading me by violating Regulation Z Truth in lending by stating to me the account is closed yet reporting an available credit for this account online. I never received a notice this account was closed, nor did i have the option to dispute this, and I would not have suspected this account was closed because the website states an available balance. 

6. To investigate this matter I went to the added expense of pulling my credit, and was surprised to find out from my credit report that this account was closed despite the fact that the credit reporting shows it is never late ( Exhibit 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: World Acceptance Corporation
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Under the UCC, I have a right to request accounting. Please provide the original ledger and/or authenticated record for this alleged debt. Please provide the accounting or proof that you lent me anything. UCC 9-102 ( 7 ) states Authenticate '' means : ( A ) to sign ; or ( B ) with present intent to adopt or accept a record, to attach to or logically associate with the record an electronic sound, symbol, or process. UCC 9-102 ( 70 ) states Record '', except as used in " for record '', " of record '', " record or legal title '', and " record owner '', means information that is inscribed on a tangible medium or which is stored in an electronic or other medium and is retrievable in perceivable form. You are required to send all documentary evidence. 15 USC 44 Documentary evidence includes all documents, papers, correspondence, books of account, and financial and corporate records. 

Please provide verification of the claim against me. This means a sworn affidavit or a hand signed invoice in accordance with the UCC.

This debt is listed as a charge off on my consumer report. Please provide a 1099c for this alleged debt. The IRS says that charged off debt is ordinary reportable income to the alleged debtor. If you refuse to do this, I will file a 1099c complaint which would then initiate them to file a form 4681 as well as a 3949-A Corporate Tax Fraud complaint and contact you. Charge offs are not debt.

You have also used my consumer report as a form of punishment and bringing harm to me by reporting this fraudulent account on my consumer report. That is aggravated identity theft. 18 USC 894 ( a ) ( 1 ) and 18 USC 894 ( a ) ( 2 ) states : Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

I have sent you a cease and desist letter as well. You continue to violate that federal law as well. You are still communicating indirectly through my consumer report. According to 15 USC 1692c you are prohibited from communicating with me.

Please know that I have every intent to file suit if this is not resolved within 15 days. You have repeatedly violated my consumer rights. There is no law stating I have to send you a police report signed by a notary. Again, I will not hesitate to file a suit if you continue to break Federal Law and violate my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Paypal Holdings, Inc
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
On XX/XX/XXXX PayPal permanently limited my account with over {$11000.00} in it I have been a customer for over ten years. I only had my salary direct deposited in it. There have been no charge backs or anything that would break there rules. My salary is variable and has increased over the years, they are holding my funds for 180 days. These funds are can not be reversed this is not right. They have not given an explanation after numerous calls to no avail. Without a resolution I will seek a legal one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Complaint against : PayPal -I use PayPal to process payments for my business. 
-On XX/XX/2023 I processed a partial refund of {$50.00} to a customer. 
-While processing the refund the PayPal app continuously malfunctioned and relayed a message that my refund had not been processed due to a technical issue and to retry. 
-I retried several times. Eventually I closed out the app and restarted it.

-Once I opened the app I saw that PayPal had actually processed 5 {$50.00} refunds.

-I immediately contacted PayPal to cancel the refunds.

-they instructed me to call my bank and issue a stop payment. 
-I complied and worked with my bank to stop the refunds.

-Becasue PayPal
mistakenly issued 5 refunds I was charged {$96.00} in bank fees. 
-on XX/XX/XXXX PayPal reissued 2 more refunds for {$50.00} each. 
-In total PayPal has cost me {$340.00} for this transaction. 
-On XX/XX/23 I called PayPal again requesting that they refund the amount they have cost me due to their failures. 
-They refused. The only option they have given me is that they will contact my customer and retrieve the money which is incredibly unprofessional for my business and harms my reputation as a business owner.

-PayPal is responsible for the {$340.00} they have cost me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03
Company: ENCORE CAPITAL GROUP INC.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX and I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report. I demand that the following accounts listed on attached document be removed immediately. ( Midland Credit Management , Inc ) is using my consumer report with means to harm my consumer reputation as a way to swindle an coerce me into making payments on alleged debt, which is a direct violation of 18 U.S.C 894.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12
Company: Westlake Services, LLC
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I purchased a vehicle XX/XX/23 my financing was done with XXXX XXXX shortly after I purchased a vehicle I was informed that it is very important to make my first payment. XX/XX/23 But shortly after I purchased a vehicle XXXX XXXX weeks later, the vehicle broke down. I also purchased a warranty the same day that I bought the vehicle from the dealership. The warranty stated that you must wait 30 days in order for the warranty to go active so I waited the 30 days after the 30 days I called the warranty company and they told me that the warranty was not active it was still in pending status as the dealership did not finish sending over the paperwork, so then I had to wait an additional two more week for the dealership to send over the documents In the process of waiting, I took the vehicle to a mechanic shop to have the vehicle checked out to find out what was going on. XXXX be sending over the documents along with the date that I purchased the vehicle and the documents from the mechanics shop stating what was going on. 

The Vehicle breaking down, & having to wait the 30 days for the warranty to go active caused me not to be able to make my very first payment now Westlake financial does not want to continue the deal and back out of financing my vehicle I do not want to lose my vehicle as I will not get my down payment 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 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX 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.

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 2023-11-12
Company: Affirm Holdings, Inc
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
On XX/XX/23 I contacted Affirm to start a dispute for a portion of a loan I had with them for a purchase from XXXX ( Loan ID : XXXX ), doing so through the tool it provides on its website for this purpose. A few days later a representative named " XXXX '' contacted me ask me for all the same information I had already provided through the online tool to start the dispute process ( You can not complete the online process without submitting this information ). I responded to XXXX explaining Affirm had already been provided the information and requested that she use her internal tools to gather what was needed and refrain from " putting unnecessary and/ or redundant hurdles in the way of addressing my dispute. '' I don't know if it was laziness on her part or an intentional part of XXXX disputes processes designed to discourage customers from filing disputes, but XXXX continued to refuse to use the information already provided and demanded I send it again. I have since requested the matter be transfered to a supervisor multiple times, but rather than comply she childishly closes the support ticket for my dispute. 

The original loan amount was XXXX, which was reduced by {$210.00} due to product availability issues with the merchant. However there is an adjustment of approximately {$120.00} that has not been applied to the loan for merchandise I returned to the merchant. After reducing the original amount due by the two credits described above, the new loan amount should be {$170.00} plus interest. To date I have paid {$200.00}, which should more than cover the amount of the loan and interested earned by Affirm from this loan. Affirm is not due and I do not intend to pay anything more towards this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: EQUIFAX, INC.
State: IL
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 had my purse stolen several years ago and filed a police report then. I noticed accounts and inquiries being opened in my name so I filed a report with the FTC and submitted another police report to help remove some of these fraudulent inquiries and accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
Let me point out the inaccuracies. These dates should be matching and also the payment remarks are not consistent with the reporting bureaus. Please help me out on this. 

XXXX XXXX  Last Verified : XX/XX/2019 -- Last Payment : XX/XX/2019 XX/XX/2019 Last Payment : XX/XX/2019 XX/XX/2019

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 2023-11-12
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

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 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Midland Credit Management XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-24
Company: U.S. BANCORP
State: MO
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:
In XXXX of XXXX, my brother was moving to the XXXX XXXX for work and opened a checking account at US Bank located at XXXX XXXX XXXXXXXX XXXX XXXX  MO. XXXX. He asked me & his bookkeeper to sign a " signature card '' so if he had any straggler bills we could write a check and take care of it. We all went together & signed a signature card. He returned from the XXXX XXXX in late XXXX and opened a " line of credit '' in XX/XX/XXXX, account # XXXX. He defaulted on the " line of credit '' & it was reported to all the credit bureaus. When US Bank reported this to the credit bureau ( XXXX ), they listed me as a " co-signer ''. That is incorrect. I signed a " signature card '' which does not make me responsible for his " line of credit ''. Once I discovered this appeared on my credit report ( XXXX ), I went to the US Bank branch where the account was held & spoke with the manager. That was in XXXX or XXXX. She & another associate looked up the account & said they would get back to me in about a week. When I returned she said that she had spoken with corporate and that the best way for me to take care of this mistake was to file a dispute with all the credit bureaus. I've filed 3 disputes only to have US Bank state I was responsible. I have spoken with US Bank several times & they are limited in what they can say to me because they can't locate me in their system. Someone finally looked me up by my name & address & said that I was not connected to any accounts & their system shows that I do not owe them. They are not very helpful because I'm not attached to the " line of credit '' so they can not speak with me because I'm not on the account. It's extremely frustrating because they report this to the credit bureau ( XXXX ) but can not discuss the issue with me. If US Bank is going to hold me responsible for this line of credit, I would like a copy of the contract that I signed showing that I am responsible. My credit report shows the balance owed is {$5200.00}. Please help me. 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 monetary relief
Consumer complaint received 2023-03-11
Company: SUNRISE CREDIT SERVICES, INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Called and couldn't get thru. I then sent a letter that t6he FTC gave me explaining the situation. That I never ben to Florida and set up an XXXX XXXX XXXX account. Which was sent to collectors, Sunrise Credit Services , Inc . I never got a response and its has been over 15 days now. It's not my debt, I never opened an account with XXXX XXXX XXXX I had my identity stolen. I made a case with the police department. I also contact the FTC and put a freeze on the top 3 major credit websites. I also had addition XXXX added to my taxes and someone also tried to get unemployment benefits. Which the IRS and Job Services corrected that. 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 2022-06-03
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2018 my roommates at the time took my credit card, and charged it resulting in the current charges. I had contacted XXXX XXXX to dispute and they said they were handling it from there. At the time I was still making payments on the card but then stopped once they said it was being taken care of. These charges ARE NOT mine and I had assumed everything was handled properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
Capital One, XXXX, and XXXX/XXXX accounts have all been used by another individual for personal pursuits. Fraud alerts have been set up and an FTC complaint has been filed # XXXX. All cards have fraudulent charges and incorrect amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Credit card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have previously made a request for validation and your response, or lack of response does not comply with its closure requirements set forth by the Fair Debt Collection Practice Act. You have not provided me with any evidence to establish that I owe you any money. Therefore, your failure to respond in a timely manner is counted as an admission that you are unable to support your claim. I owe you nothing. I now have evidence that you are creating a frivolous lawsuit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
Company: Experian Information Solutions Inc.
State: AL
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 submitted documents that showed grave inaccuracies in information being reporting on my credit file by XXXX, Experian and XXXX. The only one of the above entities that I received a response was XXXX and it did address XXXX of the unfair and unbeneficial items reported ; however there are many more items that I requested to be deleted due to major inaccuracies and surely this is not fair and equitable to me. This is a major infraction and violation as of the FCRA and I have given the above entities sufficient time to comply and it has not been done. I request that all of the inaccurate information BE DELETED 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