BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-31
Company: Paramount GR Holdings, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
This is a following of complaint XXXX I do not understand why the complaint has been closed. Or maybe I do not understand the role of the cfpb. 

I thought the role of the cfpb was to protect individuals and businesses from predatory companies and potentially investigate misbehaviors. 

I am pretty sure you have received numerous complaints about goodleap and closing a complaint just based on a response from the business is not aligned with my understanding of your role and goals, especially when the response just says " we are not going to do anything for you ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: TD BANK US HOLDING COMPANY
State: WI
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 was a victim of identity theft. I have disputed and provided the company with identity theft report, police report, and other items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I had an open auto loan with XXXX XXXX XXXX XXXX that has been paid off. However, before it was paid off, my XX/XX/XXXX payment was marked as 30 days late when the payment was called in on XXXX, 2023. While on the call the recording stated that the call was being recorded and towards the end of the call I was asked to speak my name again for the recording then the payment was completed. I received a call from XXXX a short time afterwards informing me that my account was 30 days late. I informed them that Id made my payment but after checking with my bank I was informed that they never withdrew the payment. I immediately made another payment to XXXX. I asked if they could pull that recorded to call so that they would know the error was on their end. The representative then informed me that although the recoding says the call is being recorded, it only records if you speak to live agents so they wont be able to listen to it resulting in the 30 day late mark remaining on my report. I am in the process of purchasing a house and this late pay marking has been detrimental to my credit. I have any control over XXXX Auto phone system. Nor was i aware that they were obviously having phone issues as a consumer. I am requesting that the call be listened to ( which will prove the error was on XXXX part ) and that my evidence of the 5 minute call be reviewed on my billing report from 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 2023-02-23
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was never notified of a debt. In fact, I am not sure the debt is even accurate as I cancelled my auto insurance policy with XXXX at the end of the term and switched to another XXXX. I was never notified by XXXX or CSS. I just got notified once the collection was reported to the credit bureaus. I then called XXXX  as soon as I saw it on my credit report and paid the full amount, even though they never stated what it was even for. XXXX said they sent XXXX letter via XXXX mail, I never received it. CSS never attempted to contact me at all. Had anyone reached out to me, I would have paid this off, as I did as soon as I learned about it from my credit card company who monitors my credit. I believe CSS is using unfair tactics by just reported to the credit bureaus without any attempt to contact me. Furthermore, I paid XXXX  and believe that CSS reporting to the credit bureaus is inaccurate as I never heard from them, called them or dealt with them so they should not be reporting anything since no transaction or communication was had with them and their was no debt owed to them since XXXX was paid.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Citizens bank Total debt In rearrs due to bank overdraft policies, I could not take out money but they allowed hundreds of dollars of auto pay withdrawal from my account be paid from XXXX on until they put my account in to collections I ended up with a XXXX plus debt and they also garnished a 1 week worth of work during covid that I was still not collecting unemployment or pua benefits from my separation from work date on XXXX and then garnished a XXXX dollar check from working for a day labor employer they have been the reason that I could not get essential debt assistance from nonprofit organizations and I will have to work with a cfpb.gov agent to go over their flagrant disregard of financial hardship of a customer who repeatedly asked for assistance haven have to email an executive at the XXXX XXXX NY headquarters with still no assistance actually only adding more frustration of the local branch being even more unwilling to work with me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-31
Company: EOS Holdings, 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:
In accordance with the Fair Credit Reporting Act, EOS CCA, XXXX XXXX XXXX XXXX, MA 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX, FLXXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 2023-07-17
Company: Experian Information Solutions Inc.
State: LA
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:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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:
I am having an issue of applying for a Capital One credit card. When I apply for a Capital One credit card I get the following credit decision : Cant process or open any Capital One credit card accounts due to prior Capital One Bank credit card accounts. I paid in full the Capital One Bank XXXX account ending in XXXX to a debt collection company on XX/XX/XXXX and Capital One Bank account ending in XXXX was discharged under XXXX XXXX bankruptcy in the United States District Court District of Minnesota Bankruptcy Court on XX/XX/XXXX. I have settled all outstanding account balances of prior Capital One Bank accounts. I should now be able to apply for a Capital One Bank secured credit card to rebuild my credit. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, I've tried many times explaining to them that I was a victim of identity theft, but for some reason they keep sending me emails after emails regarding this balance owed. 

As you're aware I'm XXXX by birth and due to this I never worked. I only get {$960.00} per month from my social security income and from it I must pay the utilities bills, phone bills, gasoline for my XXXX, which is wheelchair equipped, and foods. 

Whenever I email them I don't get a reply. And I'm unable to call them because of my XXXX  XXXX 

I'm reaching out to you to get this resolved by telling them that I was a victim of identity theft. 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 2023-07-17
Company: Experian Information Solutions 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
COMPANIES INVOLVED : XXXX, WELLS FARGO, XXXX, XXXX, XXXX Personal credit cards were opened in my name under identity theft. The XXXX XXXX   was opened around XX/XX/XXXX and the Wells Fargo card was opened XX/XX/XXXX. I found out about them from XXXX credit monitoring and contacted the companies directly to close the card. I am in the process of freezing my credit to prevent this from happening going forward. I would like these removed from my credit history.

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 2023-07-11
Company: EQUIFAX, INC.
State: CT
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18
Company: WELLS FARGO & COMPANY
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I received a text from XXXX saying " WELLS FARGO FRAUD : Did You Attempt To Send Money With XXXX For {$3500.00} On XX/XX/XXXX. Reply YES or NO. MSG & Data Rates May Apply. '' I replied back " No '' and received this message " WELLS FARGO FRAUD : No Funds Have Been Taken From Your Account. A Representative Will Be Contacting You Shortly. '' I then got a call from XXXX ( the official Wells Fargo number ) and a man claimed to be a Wells Fargo employee. He said we had to walk through some steps to avoid the funds from being transferred from my account. 
He said my phone number had been added to an account with XXXX XXXX and asked me to give him a code that was texted to me. After that he told me to go to the XXXX XXXX and put in my own name and phone number to avoid the money from being sent to anyone else. After I did that and hit send he hung up. 
I've called Wella Fargo and submitted claims but they have told me there is nothing they can do to help me.

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 2023-07-17
Company: Experian Information Solutions Inc.
State: MN
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 am writing to dispute and request the investigation and deletion of incorrect information regarding a specific account on my credit report. I recently reviewed my credit reports from your agencies and discovered an inaccuracy related to a charge off account with XXXX XXXX XXXX account number XXXX XXXXXXXX ( Experian ) and XXXX XXXXXXXX ( XXXX ), located at XXXX XXXX XXXX XXXX XXXX MO XXXX. 

I noticed that the dates of last activity are inconsistent across all three major credit reporting agencies. XXXX shows the date of last activity as XX/XX/, Experian as XXXX and XXXX has not reported a date of last activity. The inconsistency in the reporting of the date of last activity violates 15 USC 1681a ( 2 ) ( a ) ( i ) of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must provide accurate and complete information. 


As a result of this discrepancy, I request that you both conduct a thorough investigation to verify the inaccuracy of the reported information. I respectfully request that the account be deleted from my credit report. 

To assist in your investigation, please find enclosed a copy of my credit report highlighting the disputed account. I have also included a copy of my SSN and a recent utility bill as proof of my identity and lease with address. 


Please address this matter promptly, and I expect to receive your response within 30 days as required by the FCRA. I appreciate your prompt attention to this matter and look forward to receiving confirmation that the disputed account has been removed from my credit report. 

Sincerely, 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 explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I recently pulled a copy of my credit report and noticed the following information are listed in error. The FERA states that the only permissible purpose for pulling someone's credit report is A ) firm offer of credit B ) c insurance C ) employment or D ) a court order The following inquiries are related to none of the aforementioned permissible purpose XXXX XXXX XXXX  -- XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these inquires from my report within 30-day time allowed investigation period as pursuant to 15 U. S. C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquires in connection with a credit or insurance transaction that is not initiated by a consumer. Please, either provide me with strict proof I authorized these inquiry such as signed application or contract or recorded telephone call or delete the inquiry 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 non-monetary relief
Consumer complaint received 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and 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 2020-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The credit card with bank of america was due on XX/XX/XXXX, the card was completely paid off ( the amount of {$3000.00} ) XX/XX/XXXX. A call was placed to customer service to see if the late fee can be waived, the representative was rude and did not want to help. Upon checking the account XX/XX/XXXX and interest amount of over {$45.00} was issues. For an account that was paid off ( minus the late fee )  XX/XX/XXXX before the billing cycle of XX/XX/XXXX. I called to obtain the late fee waived, ( first time in over 8 years of having the card ) and they stated they couldnt. On top of these they informed me they are charging me interest for a charge was made in mid XXXX in XXXX. The account was paid off the XXXX before the billing cycle ended. They were unable to explain why or even waive a late fee for the first time in 8 years. After speaking with a rep and manager I became extremely frustrating because they were not helpful at all. I explained multiple time this was the first time in 8 years I had called, they manager even stated that the pay history was great. I was also informed they place a type of promotional items without the consent of the card holder :

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 2022-01-17
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: Old information reappears or never goes away

Complaint:
I have contacted XXXX XXXX Bank to update the comments in my account that states that I am participating in a credit counseling program. Creditors are denying me credit due to this comment. I have reached out to back in XX/XX/2021 and XX/XX/2021 to XXXX by phone twice and by mail and to no avail. I have even spoke with the credit bureaus to update and no success. I had my loan modified back in XXXX after my son died as a baby and I underwent hardship in my family life. Please help!

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