BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/, Transunion was contacted regarding a dispute. I advised they were in violation of 15 USC 1681 ( b ) and Section 609 ( a ) ( 1 ) ( A ) of the FCRA. On XX/XX/, I asked XXXX to re-investigate and to provide all documents with my written consent to report any information 15 USC 1681b ( 2 ) and their method of verification15 USC 1681. They did not provide their method of investigation and they did not accurately verify the information that is listed on the report. I provided a driver 's license to show the true name. I also advised them of 15 USC 1681 ( 4 ) to exercise their grave responsibility with fairness and impartiality. They did not do so. I also advised on the Gramm Leach -Bliley Act regarding my privacy. They list these creditors as public information. The only public information is if there is bankruptcy and criminal charges. They are in violation of 18 USC 894. They have a negligence and a willful non-compliance. I also advised them on my copyrights to all variations of my name with the recording number in my state along with my fee schedule for violating and injuring me. The send me back a letter stated they are unable to process because they do not know the nature of my request. The letter/affidavit specifically stated to re-investigate.

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 2023-01-25
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
Good day, Hi im using my paypal account XXXX to received payment from my client to my business, when i open my email address tuesday XX/XX/2023 i received a message from paypal stating that " You can no longer do business with PayPal ( Ref ID - XXXX ) '' Paypal permanent limit my account without any explanation, i follow all rules and terms and condition on paypal agreement i use my paypal account only in my business i did not do anything wrong with my paypal, i really need my account for my business because this is the only one i use to received payment from my client, can you please help me to resolve this problem can you please help me to lift the limitation of my account and back to normal please help me. 

Thank you Very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a {$26000.00} Check from a lady whose XXXX i nstalled paid out TO my business it too k Bank of America XXXX business days TO clear the funds for withdrawal once it WAS clear i usted 7,000 dollars everytjing WAS fine then they calles me and blocled me out they too k XXXX from bank OF America the Check never bounced and my money was stolen

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 2023-10-01
Company: EQUIFAX, INC.
State: CA
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:
I checked my credit report and noticed on XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX reported that my account with XXXX XXXX XXXX was in collections with them. This is against the law to report my credit by anyone without my written permission. 

XXXX XXXX XXXX - Acct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Amt. {$160.00} In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 USC 1681 section 602A states I have the right to privacy.

15 USC 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023 I disputed 4 individual accounts to Americollect which is station in XXXX, WI. and they replied by sending me a bill with my personal health information XX/XX/2023. Simultaneously on XX/XX/2023 I disputed with all 3 Credit Bureaus " XXXX XXXX XXXX XXXX '' and all 3 Credit Bureaus removed account # XXXX On XX/XX/2023 I sent 3 individual validation letters disputing the remaining 3 out of 4 accounts and Americollect responded with a bill from account # XXXX addressed from XXXX, Texas. I was astonished by this because Americollect is based out of XXXX, Wisconsin. Now, the first validation letters came from Americollect out of XXXX Wisconsin. This last letter with the bill inside is from XXXX, Texas. If Americollect couldn't validate account # XXXX from the first validation letter from XX/XX/2023, how can they verify the remaining 3 accounts?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: CA
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 accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name XXXX XXXX XXXX XXXX XXXX. 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 item 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 2021-08-18
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: Investigation took more than 30 days

Complaint:
I have submitted a number of letter disputes and i they have not fully complete my re-investigation i have unauthorize and fraudulent inquiries on my report still i would like to have these deleted and company has not respond to my reinvestigation i have submitted over 30 days ago. my name is XXXX XXXX i am sending this complaint on my behalf please do not allow company to use stall tactic like they have before

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 2022-10-26
Company: EQUIFAX, INC.
State: NY
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 Act. The List Of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX  XXXX # XXXX, Account : XXXX  XXXX # XXXX 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 reporting containing any of the following items of information any other adverse items 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 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not apply for no XXXX credit Card from XXXX to XXXX. Someone else did this without my consent and this is fraud and theft as well. The account # that showing on my credit report is XXXX. This needs to be remove immediately off my credit report from all XXXX credit bureaus.

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 2017-06-20
Company: SYNCHRONY FINANCIAL
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Sir or Madam, I am writing to obtain a Loan Release Letter from SYNCHRONY Financial, headquartered in XXXX. Loan has long been paid off, I do not have loan no. but my Social is XXXX, Vehicle in question is a XXXX XXXX motor scooter : VIN. No. XXXX vehicle was purchased from a XXXX dealer in XXXX XXXX. I am registering a complaint against Synchrony Financial, after several attempts to get them to at least acknowledge that they are at least working on my request. I am in urgent need for this lean release letter, ( I understand these things can take some time ) but at least acknowledge my request and confirm that you ( Synchrony ) are working win it. Respectfully, 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 2023-05-01
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Previously submitted here as XXXX. YOU SENT LETTERS TO Caliber and they said they'd fix, but worse now! 
In mid XX/XX/XXXX  Caliber awarded me a 90 day deferrment on my mortgage payment when I called them as knew I'd be late on XX/XX/XXXX  payment. They said this would prevent negative remark of late payment on my credit. Within the 90 days I had my mortgage current. Caliber also sold /transferred my mortgage to their sister company XXXX and have been current since. Caliber was who advised me to apply for the deferrment so my late payment would NOT be reflected on my credit. I AM STILL GETTING CORRESPONDENCE FROM CALIBER THREATENING FORCLOSURE AS BEFORE WHEN I SUBMITTED COMPLAINT REFERENCED ABOVE AND NOW I SEE THEY HAVE REPORTED A LATE MORTGAGE PAYMENT ON MY CREDIT REPORT!!!!! I AM CURRENT ON MY MORTGAGE WHICH IS NOW THRU XXXX. 
XXXX ) : I want this threatening correspondence about forclosure to stop. When I call Caliber it says they no longer own my mortgage and automatically transfers me to XXXX. XXXX says I have to talk to Caliber as I am current with payments. Have sent Caliber cease and desist letter ... .they persist! I have spent hours on hold calling them without resolution. 
XXXX ) : I want the late mortgage payment removed from my credit report on all credit bureaus and a letter in writing stating this. Caliber said the forbearance would preclude any negetive credit reporting. 
My mortgage is current. I am continuing to live in and pay for my home and plan to keep living here and owning my home. This needs to stop. It's causing undue stress and has been ongoing since XXXX or XXXXEnough already.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: WELLS FARGO & COMPANY
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I took out a personal loan from Wells Fargo on or about XXXX with auto payment selected at the time of the loan origination. Then I received a notice on XX/XX/2022 to schedule monthly payments which was {$1000.00}, so I scheduled auto debit from my Wells Fargo checking. On the first due date of XX/XX/2022, my checking account was debited of XXXX payment totaling {$2000.00}. I called the online banking phone no, they had difficulty locating the department I needed to speak with according to them, after XXXX minutes plus, they transferred me to someone who said she will have someone call me back. I didn't hear from anyone for XXXX days so I called back, again I was on hold for more than an hour then someone came on the line said she can get XXXX of the payments refunded and for me to cancel the auto debit from my checking account since it was already set up. I did according to the instructions, next thing I knew, I received a notice of late payment! I called again immediately, after another XXXX minutes of wait, someone from I don't know what department came on line and said I didn't make the payment, I said I made the payment from my Wells Fargo checking account and you should be able to see it, she said she didn't have access to my accounts, I said couldn't someone track it down that I made the payments, I was on hold for another XXXX minutes, then she came back on line and said that my payments have not been applied to the loan and that all auto debit was cancelled and they also took back the auto debit discount from the annual percentage I received! Adding more to my principal balance. I filed a complained with Wells Fargo executive office but nobody ever contacted me. I paid off the loan in full on XX/XX/2022 for {$27000.00} as I didn't want anything to do with them. They also reported to credit bureaus as a late payment affecting my credit. I would never do any business with them ever again. We still have checking accounts and a credit card there as we have been banking with them since it was XXXX XXXX! Once this issue is resolved and my late payment is removed from my credit, we will be closing all our accounts. 
I do have emails from them stating that they needed more time to research but they never resolved the issue, this bank should not be in business in my opinion, my experience was horrific, I don't know how many people simply give up to their tactics and lose money. Thank you so much,

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 2019-04-02
Company: TRANSWORLD SYSTEMS INC
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I refinanced my loans at the end of XX/XX/2019. Payment in full for my loan with XXXX XXXX XXXX was sent by check from my new Lender. The check for XXXX was cashed on XX/XX/2019. On XX/XX/XXXX, I received a bill for my loan payment from XXXX XXXX XXXX. When I asked about the payment in full, they said they did not receive it. I sent a copy of the cleared check via email on XX/XX/2019. On XX/XX/2019 I contacted the company via email as I had still not heard anything back. I was told that they did not have an updated. On XX/XX/XXXX, I received another bill for the next payment. I called the company on XX/XX/XXXX and was told there was still no update, over two weeks after I had sent the copy of the cleared check. I have now had to make two additional payments on a loan that should have been paid off as of XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: EQUIFAX, INC.
State: FL
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:
Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. 
XXXX opting out of : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : Late Payments XX/XX/XXXX, XX/XX/XXXX Consumer Adjustment Company : Collection account. 
Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a.

Per the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-29
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I bought a gift card for my friend on XX/XX/2022 as a thank you, he has {$300.00}, and I registered in my name for safety, my friend lives in California, he used this The gift card was tied to his XXXX and spent on online shopping, but XXXX returned the money to the card on XX/XX/XXXX. My friend and I decided to lock the account of this card in order to keep this The card will be used at the XXXX XXXX XXXX XXXX party, but earlier this month I found out that the card was stolen the day after XXXX refunded the money, at a restaurant in Washington, I had no idea, because the registration information in this account It is mine, and I have locked the account. I must verify my name and address to unlock it. Why would it be stolen? I can't accept it. I called customer service and they didn't solve it for me at all. I asked to unlock the gift card account. They said they could only send me the remaining few cents in it. It's ridiculous. My {$300.00} is in the account. Locked and used by someone in far away Washington, why not be responsible for the safety of customers ' funds? Need to claim, hope to get 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 explanation
Consumer complaint received 2018-10-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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 not checked my email and did not see that my initial request had been closed. I see that Portofolio is wanting me to send in a fraud report ( which I initially did directly to them ). But looking at their proof I have found a few discrepancies ; The account with XXXX XXXX is not the same as the one XXXX XXXX themselves have for this account. Portfolio is showing the last four # 's as XXXX. The fraud letter I have FROM XXXX XXXX is showing the last # 's as XXXX The SS # listed is not mine ( I have sent in my Social and ID to the CFPB but will not send it to Portfolio to them use as proof ) The email address listed is not mine - XXXX I will send in another copy of my SS card and my DL if need be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: EQUIFAX, INC.
State: FL
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:
Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. 
Im opting out of : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : Late Payments XX/XX/XXXX, XX/XX/XXXX Consumer Adjustment Company : Collection account. 
Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a.

Per the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: ENCORE CAPITAL GROUP INC.
State: GA
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:
Midland Credit Management , IncXXXX - have sent notices and violated privacy in having the information unsecured delivery and exposure of credit information. Company already contacted as mail was found about the neighborhood. Additionally, credit report from XXXX does not have this purchased debt but illegal means of collection is being employed with threats noting PRE-Legal NOTIFICALTION mailings. This is a continued practice of this company for which they have been fined in the past. The mailings with respond by dates are mailed with little time frame for responses and yet they seek un-substantiated claims within the courts according to notices thrown about people 's property. NOTICE Dated XX/XX/XXXXXXXX  was not discovered until XX/XX/XXXXXXXX  with response date to pay by XX/XX/XXXX. Paid pennies on the dollar but want to impose unsubstantiated claims of debts via harassment methods. Calls and unsecured time sensitive mailings left to blow about people 's neighborhoods. Deliberate delays to take illegal legal actions.

Company response to consumer: Closed with explanation