BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-17
Company: WELLS FARGO & COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I opened a XXXX XXXX XXXX so that I could make my rent payments and gain points. 

I used the card on a Friday morning to pay my 1st month 's rent + my security deposit ( {$2400.00} ). My renter 's portal showed that my transaction was successful. 

On Monday, I checked my ledger online and saw that the payment had process and had also posted ( I have proof of this ). 

Afterwards, I took {$2400.00} I had in my personal checking, and made a payment to XXXX for that amount. A few hours later, I received an e-mail from XXXX saying that my payment to my landlord had been denied. After that, I received communication from my landlord stating that my account was past due and that the payment was not procced for " insufficient funds ''. 

I called my landlord and they stated that this situation was strange because the accountant confirmed that they had the money deposited into their business bank account. This further corroborated that that transaction was completely posted by the time I check online. XXXX rescinded my transaction AFTER it was posted and AFTER I made the payment for the full amount. 

Now, my landlord is upset because my payment bounced, and I have no funds to pay them directly since I sent that money to XXXX. Now I am being told that even though my funds were taken from my account in 1 business day and they were able to rescind a posted transaction, I have to wait 5-11 business days to receive my cash back. 

If you call the number they provide, all you receive is an endless loop asking you to please contact them using their " chat '' service on their website. Well, if you visit the website you will notice that they do not have a chat feature. They have a system that appears to be chat, but when you ask to chat with an agent, it simply composes an e-mail for you, and says that you will receive an e-mail back from them. I have not been able to get this issue fixed.

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 2023-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XXXX XXXXXXXX, I received a solicitation for a credit card with 25 months 0 % APR. However, once I got approved, the disclosure stated that I would only get 20 months of 0 % APR, expiring XX/XX/2025. Because I chose this card, I forewent other cards with much better benefits ; this card had no cashback or points, which I only accepted because of the long no-interest period.

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 2023-05-19
Company: LEXISNEXIS
State: FL
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 was insured with XXXX for automobile insurance for 3 or so years and they all od a sudden decided to raise policy premium rates on me so I got a quote with XXXX XXXX XXXX who was much lower than theirs so I cancelled with XXXX insurance through XXXX courtesy cancellation option they have. I got the letter from XXXX saying my policy is cancelled and that I owed them XXXX dollars ( or else ) from them in a letter. I tried paying them through the XXXX application on my phone which had my card information stored on it but XXXX had blocked that function on their own application. 5 months in on a 6 month policy XXXX decides theyre going to raise rates on my asking for a nerly XXXX dollar increase on my policy for one month. I began to shop for cheaper insurance ( bare in my mind I had no tickets or accidents recently and still have no tickets ). I contacted XXXX XXXX and went through the whole process with an agent and then he said I will be sending you over to someone else who will be finalizing your policy. When I was turned over to her she said " you are no longer eligible for insurance with us XXXX reports you have multiple accidents and you have XXXX points on your DMV report through Florida ) then quickly hangs up on me. Since then I have had a very difficult time getting coverage with other auto insurance companies. I have received the reasons through mail that XXXX is inaccurately reporting to other companies and it is very inaccurate and exaggerated. Florida DMV information is protected information and can only be released if the owner of that information releases it. What XXXX is doing is illegal and very spiteful. They need a full investigation into their business practices and I need to have these XXXX fabricated inaccuracies removed from the consumer report and they need to be prosecuted for violating private information laws protected by the state of Florida

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, 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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
PayPal has debited 2000 from my account to buy bitcoin. Funds have been removed and are " available ''. When attempting to move them they say unexpected error. When I call them they say its for my security and they can not give me my money. They managed to take my money just fine but refuse to allow me to do it. They claim they are just a financial services company so they can keep my money with no recourse as long as they want and I can do nothing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 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 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 2023-02-03
Company: EQUIFAX, INC.
State: FL
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
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: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance Owed : {$400.00} ; XXXX XXXX XXXX Balance Owed : {$390.00} ; DEPT OF ED/XXXX XXXXXXXX Balance Owed : {$48000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
on XXXX the XXXX we received in writing a letter the TD Auto Finances account number XXXX grant you an payment extension for the Covid 19 TD Auto Finance did not comply with the extension he deduct the money from our account bank you can reach me at XXXX or send me a email to send copy of the letter my name is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
Company: Continental Finance Company, LLC
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
In XX/XX/2013, I was in an auto accident whereas I sustained injuries and acquired substantial doctor bills that had to be paid. While tending to my injuries I missed one payment which shows on my credit report and is bringing my credit score down for it shows 30 day late. I have asked this company to remove since I am a good customer who pays on time. I want it deleted for we all can not say when we will need help or have an unforseen occurrence.

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 2023-04-15
Company: Upgrade, Inc.
State: NE
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
I was making payments on time and a couple months later I was able to payoff the remaining balance and I did which was {$3300.00} I paid it from tax return by XX/XX/XXXX XXXX and left me with restricted from access to the line of credit I paid it off in hope to access to make fewer payments and not raise more balance but I was disappointed and I talk in phone with staff and they were not helpful and I feel regret I open this Line of credit I think the reason that the bank isnt care is because they have what they want through marketing by XXXX XXXX And the bank raise unexpected interest rate and advance fees and sudden denial of transfer and access to line of credit and disclose credit information that were reported inaccurately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am requesting that you validate the information on my report with all original documents including payment history and original contracts. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$13000.00} 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 explanation
Consumer complaint received 2023-05-19
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:
I have reached out to all of the collection agencies as well as the sent letters on XX/XX/XXXX to XXXX, XXXX, and Equifax. I have uploaded the letters below. However it has been more than 30 days and the credit bureaus and or collection companies has failed to send my investigation back. This is not making sense. 

According to the law 15 U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall free of charge, conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

This is abusive, deceptive, and unfair practices of the FDCPA which it prohibits. The credit agencies furnished these accounts that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and i did not participate in anyof it. More so they didn't follow the proper 5 step validation procedure which make thisunfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation andclearly they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 credit bureaus stated that they have properly investigated but how is that possible if the accounts are showing past due amounts on charged off accounts this is ground for removal I have made several disputes with XXXX  XXXX account # XXXX # XXXX I contacted XXXX XXXX back in XX/XX/XXXX and was referred to call XXXX and XXXX I originally called XXXX XXXX because the account was charged off at {$2400.00} but had a past due amount of XXXX and the other account was charged off at XXXX with a past due XXXX which XXXX XXXXXXXX advised me to call the collection agency according to the fcra once these accounts are written off as bad credit it either can be transferred or sold to to a debt collector the rules also state once a account is transferred to another agency for collection the account should have a XXXX  balance and no longer have a past due amount at that higher then what was charged off this is a factual inaccuracy. For instance, if the account was transferred or sold to a collection agency, then the past due amount should be at XXXX If the past due amount is reporting on your credit report for a charged-off account, that is incorrect reporting. I have been disputing since last year and at this point I am asking for immediate DELETION for inaccurate reporting with the Bureaus I have made several disputes from XX/XX/XXXX XX/XX/XXXX and I have made several complaints with your agency please see all previous complaints They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer agency reporting agency can not furnish a account without my written instructions. They have also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes They have also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ) The law clearly states if items are found to be inaccurate or can not verified the consumer reporting shall promptly delete the information from the file of the consumer

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 2018-05-13
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TIS IS A MEDICAL BILL in the state of California it illegal if you don't have health insurance. me and my family have had state medical for over 15 years. I covers everything. THIS SOULDNT BE A COLLECTION ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

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