BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-29
Company: CAPITAL ONE 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:
Capital One closed my credit account arbitrarily and without notice in XX/XX/2018. I never received a letter and was never sent an email giving me notice that my account would be closed. This was my oldest credit account, and as a result of the closing, my average credit age has suffered and my credit score has decreased significanty. This has directly monetary impact to me due to interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Transunion has FAILED to conduct a proper investigative report. 
Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I asked for a copy of the investigation they claim they have conducted three times. They claim the information is accurate when in fact it is a fraudulent account. I have no account with XXXX XXXX XXXX. They have opened up an account in my name. I have disputed the information and requested a verification of debt in accordance to 15 USC 1692 GXXXX Debt collector Failed to produce a statement giving the consumer 30 days to dispute the validity of the debt. 

In all XXXX XXXX XXXX  is attemptting to collect an alleged debt out of compliance with the fair credit reporting act. they have not suppiled a statement, verification of a debt owed or a notice to dispute within 30days.

Transunion is falsely reporting inaccurate information and lying about having done a proper investigation. I have requested the details of the investigation on XX/XX/2023 and the customer service rep hung up on me when i escalated the situation to the manager.

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 2017-05-16
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was notified in  XXXX  I owed a debt from a personal loan of  XXXX  dollars. I made payment arrangements to the company of  XXXX  a month which wa s D. Scott Carruthes  a law firm in CA and I was told if I do n't pay this debt I will be sued and taking to jail. I was making these payments and decided to consolidate my debt through   XXXX   XXXX   in  XXXX  and they were confirmed through D  Scott law fi rm I owed  XXXX  and my payment would be  XXXX  towards the law firm every month. I recently wanted to know my balance as of today with   XXXX   XXXX   which they told me was  XXXX  left to this company. I call the company direct and they are telling me I owe  XXXX  dollars still because of interest and fees over the years. All I want is a correct amount to pay and set up payments or pay the  XXXX  in full and not deal with this anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: AL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: Paypal Holdings, Inc
State: MD
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX ) On XX/XX/XXXX, I ordered a pair of boots on XXXX and paid {$61.00} via PayPal and I expected to receive a Left foot and Right foot. The details of my order are still in my account on the XXXX XXXX online store. 2 ) On XX/XX/XXXX, I received my order from XXXX XXXX XXXX ) On XX/XX/XXXX, I opened the package and realized that XXXX XXXX had sent me the WRONG product : they sent me a Left foot and Left Foot. Nobody can walk in a left foot and left foot pair of shoe. XXXX XXXX XXXX XXXX advertised a Left and Right shoe ( see attached screenshots of their product advertised on their online store ). 5 ) I immediately attempted to contact XXXX XXXX on the phone the same day I received the order, but could not get through the line. 6 ) Then I submitted a claim on Paypal the same day too.7 ) All I need is to RETURNthis WRONG product to XXXX XXXX and get my refund. 

I contacted PayPal on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time I am told that they see that the items were wrong and are going to be fixing the issue. They say they will send me an email confirmation. But I have never received any email follow-up and certainly no resolution. 

Rather, they keep on sending me a " request for information '' requiring me to take the boots to an expert who will then certify on an official letterhead that the item is not as described. 
Never mind that 1 ) we are talking of a {$61.00} leather boot, 2 ) they can see clearly from the pictures that the item that they sent is wrong 3 ) why must I take the book to an expert for certification when I am asking the XXXX to take their boots back? they can take it back and certify for themselves if the item is correct or not. 

These outrageous request for " expert certification '' from paypal and its sellers are corrupted denial tactics to abuse customers when they know that they have no other reason to withhold a refund. 

This issue occurred in XXXX, 2 months ago. If ninewest and paypal truly lived by what they purport to be their values, they would have promptly apologised for the mistake. Rather they chose to put me through endless aggravation for a mere {$61.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-09
Company: LEXISNEXIS
State: NV
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:
I filed Bankruptcy in XXXX of XXXX. LEXISNEXIS violated two important consumer rights. One 15 USC 16819 ( a ) ( 4 ) infringement of consumer rights to privacy. Congress made it clear that a consumer has a right to privacy. The second violation 15 USC ( a ) ( 2 ) LEXISNEXIS did not have a permissible purpose nor did they have my written instructions. Bankruptcy Court sent me a letter stating the do not report to credit reporting agencies. Also section 617 Civil liability for negligent non compliance. ( a ) In general. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure, and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Attorneys fees. On the finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith is subject to other fees. A certified letter will be sent to XXXX XXXX acting director of CFPB as well as my congressman.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: FL
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 XXXXXXXX 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 a account without my written instructions. 
I have not authorized anyone in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: KY
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. 


Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : Untitled Account Number : XXXX has violated my rights. Or 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 2023-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I have an automatic payment setup for my mortgage at XXXX XXXX XXXX XXXX. XXXX submitted the debit for my mortgage payment on the XXXX to my Bank ( Bank of America ) checking account that I have setup for this payment. I noticed on the XXXX that the payment was processing and noticed that the account was short XXXX dollars for that payment so I made a XXXX transfer on the morning of the XXXX from another bank account at another bank to make sure that the amount of my mortgage was covered. On the XXXX I logged in to my BofA account and noticed that the there was a returned payment to XXXX for my mortgage due to NSF. I called to BofA to get clarification and was told that since I didn't have the funds in my account the payment was returned unpaid. I advised that I made a transfer from a different account when the payment was still marked " In Process '' so why would they send it back. They advised that this was all done the same day. I advised that it was not. Now I'm getting a NSF fee from my mortgage bank XXXX due to the lack of communication from BofA. when the payment was still marked as " Processing '' and the funds were added on my account to cover my Mortgage payment. 

When I told BofA I would be submitting a complaint to CFPB and OCC about this they just brushed it off and advised that there was nothing they could do. 

BofA Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Paypal Holdings, Inc
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CEASE AND DESIST Pursuant to 15usc 1692c. ( c ) I am notifying you in writing that this is not my alleged debt and I am demanding that you cease all communication with me through any and all mediums. My credit report is a medium of communication. I am invoking my specified remedy as a consumer, and the original creditor I am demanding the following : Pursuant to 15 USC 1692c. ( c ) ( 2 ) Zero out the balance on this account Delete account from all consumer reports Your company also inserted information into a non-affiliated third party ( consumer report ) without my permission. Best, Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
State: MO
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 XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: Simon's Agency, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have made disputes to XXXX  to delete medical collection accounts that are displaying medical information in the original creditor name on the credit reports where the data furnishers refused to protect my private medical information. My private medical information has been compromised. The law under the Fair Credit Reporting Act, specifically the Fair and Accurate Credit Transactions Act Section 412 ( amendment to FCRA ) indicates that this information should be protected. Before all the disputes I had a 3rd party access my credit report and they started reading me medical collections and I was hurt by this and asked them to stop as it reminded me of the bad medical situations. Additionally, I felt hurt that 3rd parties could see this. This brought me to research why it's legal for this to be on the report in this way. Turns out that it isn't legal per the above mentioned laws. I have had no cooperation  from the collection agencies and made multiple disputes with XXXX, including an XX/XX/XXXX dispute through the CFPB about XXXX  not exercising oversight over the collection agencies regarding protecting medical information. The data furnishers ( collection agencies ) have refused to protect my private medical information and have compromised my medical information. The medial collection accounts are currently as of the day of this report, displaying what should be protected medical information, therefore are continuing to compromise my medical information per the above mentioned laws and refuse after repeated disputes to correct this alleged illegality. Previously a dispute was made through the CFPB on XX/XX/XXXX. These collection agencies ( data furnishers ) received a copy of that CFPB report via the XXXX XX/XX/XXXX dispute investigation. XXXX confirmed to me that the CFPB report was attached to the dispute that sent to each data furnisher. Sadly, they responded to XXXX  by only verifying the status and balance and did not respond at all to the issue of medical privacy that was very detailed in my CFPB report. I have spoken to collection agencies on the phone and was disrespected and was given the impression that all that mattered was what they say I owe and otherwise they seem to have indicated that nothing else matters, including the privacy of my medical information. 
SIMONS AGENCY received one dispute through XXXX prior to this complaint. XXXX has told me that my XX/XX/XXXX CFPB complaint was attached to the dispute sent to Simon agency. I contacted Simons agency and was told there was an attachment to the dispute.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Skrill USA, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX, I made a payment to a Merchant using the Skrill Portal. For some reason the payment timed out from the merchants behalf but was instantly taken out through Skrill. 

Its been well over 10 business days and Skrill keeps giving me the run around for a reversal refund. I also spoke to a couple managers and nobody has any resolution for this matter and to make matters worse the managers informed me that they are not allowed to give me any insight during this process. 

Thats when I decided to take matters in my own hands. I dont feel safe using this institution anymore because I dont feel safe with my funds as a consumer. Please assist me with this matter and I highly appreciate CFPB and thank god for such an organization. 

Thanks in advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Capital Link Management, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
They called my phone, making threats and called my mom threatening to seize their property and take me to jail and seize my property. I have been making regular payments and have currently paid {$2000.00} and still owe {$600.00}. I missed one payment of {$100.00} dollars and they started calling and harassing me even though I asked could I move the payment day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
An account Last Reported on   XXXX   XXXX   XXXX     by the  Collection Agency  called  XXXX   XXXX   XXXX   XXXX  from the Original Creditor  XXXX  still has not been removed from Transunion! I has already been removed from   XXXX   and  XXXX  and yet i am still here fighting with Transunion! They do not care that their reportings can affect you in everyway possible form jobs to housing and everything in between! This Is not right is is in no way legal. They should take tips from the ot her 2 agencys a nd take care of matters the right way and faster!

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 2022-04-27
Company: EQUIFAX, INC.
State: FL
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 Account # 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat 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 2017-05-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
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:
Portfolio Recovery Services c ontinues to report incorrect information about me to the  XXXX  credit bureaus which has been detrimental in me obtaining housing. The agency purchased 5 debts under my social security number which were all opened fraudulently. I have letters from the original creditors that they purchased the account from who did the investigation and found I was a victim of identity theft. I forwarded these lette rs to Portfolio but they  have still continued to state my accounts are in the legal department and refuse to contact the original creditor to verify the validity of my claim. The amounts are approx {$7000.00}, {$2200.00}, {$350.00}, {$1200.00} and {$2000.00}. This has been ongoing since  XXXX  of   XXXX  .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
There is some inaccurate names, addresses and phone numbers.

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 2021-12-04
Company: National Credit Adjusters, LLC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I purchased my credit report and I see this fraudulent account reporting. My identity was stolen and compromised. Someone used my identity to open up this account. I would like for this company to remove this account and stop reporting it on my credit report. It is hindering my life and causing emotional and mental damage XXXX.

Company response to consumer: Closed with explanation