BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: DC
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 Accounts name # XXXX has violated my rights 1 These reflect FFIEC-approved procedures. 2 15 U.S.C. Secs. XXXX. 
3 15 U.S.C. Sec. 1601 et seq. 
4 Pub. L. No. 108-159, 117 Stat. 1952. 
5 Section 1029 of the Dodd-Frank Act generally excludes from this transfer of authority, subject to certain exceptions, any rulemaking authority over a motor vehicle dealer that is predominantly engage in the sale and servicing of motor vehicles, the leasing and servicing of motor vehicles, or both. 
6 The agency responsible for supervising and enforcing compliance with the provisions of the FCRA and the implementing regulations will depend on the person subject to the FCRA ( e.g., for financial institutions, jurisdiction will depend on the size and

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
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 XXXX Account # XXXX, has violated my rights. 
-XXXX XXXXXXXX XXXX CO Account # XXXX, has violated my rights. 
XXXX XXXX Account XXXX XXXX XXXX has violated my rights. 
XXXX XXXX Account # unknown, 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 2021-06-09
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX.

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: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: Experian Information Solutions 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX  ( Original Creditor : 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 2022-11-28
Company: EQUIFAX, INC.
State: GA
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 called the XXXX, XXXX, and Equifax after I purchased a credit report with XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I sent a letter to the XXXX credit bureaus on XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complaints and hoping that these accounts listed below lates will be removed. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$170.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$190000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a Certified Dispute Letter to Transunion ( Tracking # XXXX XXXX and it was received on XX/XX/2021. 30 days have passed and I haven't received any response from Transunion. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

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 2022-04-28
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
In accordance with the fair reporting actXXXX Chrysler capitol vilolated my righs 15 USC 1681 section 602 states i have the right to privacy 15 USC 1681 section 604a section 2 ; it also states aconsumer reporting agency can not furnish a account without my written instruction.

15 USC 1666 B : A creditor may not treat a payment on a car loan under any open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Currently reporting the following : XXXX ( account # XXXX ) as 120 days late and transferred/sold DEPTEDXXXX ( account # XXXX ) as 120 days late and transferred/sold DEPTEDXXXX ( account # XXXX ) as 120 days late and transferred/sold DEPTEDXXXX XXXX account # XXXX ) as 120 days late and transferred/sold DEPTEDXXXX ( account # XXXX ) as 120 days late and transferred/sold DEPTEDXXXX ( account # XXXX ) as 120 days late and transferred/sold DEPTEDXXXX ( account # XXXX ) as 120 days late and transferred/sold DEPTEDXXXX ( account # XXXX ) as 120 days late and transferred/sold DEPTEDXXXX XXXX account # XXXX ) as 120 days late and transferred/sold XXXX XXXX XXXX XXXX account # XXXX ) as collection/charge-off.

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 2023-05-23
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
AssetCare LLC is calling, texting and interfering with my phone, computer and television. I have contacted them and the original medical provider of services to clarify I dont owe this. At the time of services rendered I provided my insurances and they have paid all claims. 
AssetCare has purchased the debt third hand and is trying to collect from me. The most alarming part is the debt amount has changed several times. They are requesting a settlement of {$130.00}. 

I want the interference with my electronics to cease immediately. As a senior its very uncomfortable having this challenge. 
Thank you for reviewing this matter. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
About two years ago, Chase had decided to increase my rate but gave me the option to close my account and pay off the balance at my then current rate 9.94 %. During this past year Chase had increased my rate to over 12 % without any justification and in violation of their original agreement. Also their online payment site is only allowing me to make payments for either the bare minimum payment amount or full balance. Nothing else in between. This shows an unfair re-payment option they are giving me, since I have been paying more than the minimum amount in the past to get this balance paid down sooner rather than later. Chase is forcing unfair re-payments on top of the illegal rate increase. Their business practices are highly suspect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I had fraudulent activity on my Wells Fargo credit card totaling more than {$2000.00} and the company denied my fraud claim. 

On XX/XX/XXXX Wells Fargo texted me asking if two purchases ( {$850.00} at XXXX XXXX and {$830.00} at XXXX XXXX ) were authorized by me. I immediately responded N, the prompt to indicate these were not my charges. 
Wells Fargo responded that they were freezing the card immediately. 
But more charges came through, anyway. 
{$210.00} at a XXXX, {$50.00} at a XXXX XXXX XXXX, {$18.00} at a breakfast cafe, and {$7.00} at a cookout restaurant. None of these charges authorized by me. 

I called Wells Fargo to report the fraud on XX/XX/XXXX and was told that it would be resolved in 7 days. I was asked if the credit card was in my possession, to which I said yes. But the history of the card shows that it is rarely used so it is unclear how the information was stolen. 

The claim was not resolved and the charges were ultimately put back on my credit card, and I called Wells Fargo again to understand why. 
The agent told me that because the credit card was in my possession, I had authorized the charges. The agent then said if I wanted to appeal the rejected claim I would need to show evidence or file a police report. 

I have no evidence to share and I am incredibly frustrated that Wells Fargo would make this process so difficult. Especially since Ive banked with them for as long as I have. ( Since XXXX ) I will be changing banks after this, partially because of the terrible customer service, but primarily due to the lack of security. It is incredibly concerning that fraudulent activity wasnt detected on this card when the charges were made and that when I alerted the activity wasnt me the company failed to freeze the card like they claimed to have.

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 2023-08-13
Company: SYNCHRONY FINANCIAL
State: NJ
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:
I opened a credit card on XXXX XX/XX/2023 when I was at the XXXX XXXX store. They ended my billing cycle on XXXX XX/XX/2023 and apparently sent me a statement with a due date of XXXX XX/XX/2023. I had signed up for electronic statements but did not receive any. Since I was not aware that the due date would come up so quickly and I didn't get an electronic statement even though I had signed up for it, I didn't make the payment on XXXX XXXX and I was levied a fine. I called up the credit card and they said that the billing cycle end date is assigned " randomly ''. But I am not sure this is true. Why would the billing cycle end the next day after I open the credit card? I believe this is done by the bank to collect late fees. Additionally, I didn't receive any statements either. 
For me to make my first purchase using a provisional credit card on XXXX XXXX and for the bank to create a due date on that purchase based on a billing cycle that ends the next day is causing undue hardship. I don't believe I even received my permanent credit card to replace my provisional paper card by the date the payment was due. 
I would request the government to look into billing practices of Synchrony Bank to see if they assign billing cycle end dates for all customers the date after they open a store credit card so that the due payment comes up quickly and they can charge a late fee. 
Regards XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Chime Financial Inc
State: IL
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:
CHIME HAS CLOSED MY ACCOUNT UNEXPECTEDLY MY LIFE SAVING OF XXXX $ I have rent I have kids I have bills I cant buy food cant get gas for work nothing all of my money was on chime including my work deposit and no one has given me a update about when I should receive my closure check I dont know why it was closed unexpectedly please help I really cant believe this happening

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-09
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
To date, Midland has provided several dates which are reaged for the alleged debts. Midland reported on XX/XX/XXXX with various dates with no validation of evidence to substantiate their deceptive actions. All the alleged debts are reaged to compromise the XXXX which expires since XX/XX/2023. There is no contract with Midland and who has been using my private information without my consent. 
" The term " creditor '' means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: OneMain Finance Corporation
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: Account information incorrect

Complaint:
I am under the impression that because I did not pay the whole {$9000.00} plus that the company wanted me to pay at the end of the full contract that my account was marked as not settled in full, however I did pay ALL the money that was initially given to me in full. The loan was paid off before the full term so of course I didn't pay what I would have paid if the loan was left open longer. How am I getting punished for interest that I didn't accumulate due to the contract closing sooner than later. Keep in mind this was all going on during the peak of Covid-19 with no income coming in which is why I applied for the loan in the first place. So basically the company is upset because they didn't make any money off of my loan. I paid EVERY dollar BORROWED BACK that was deposited into my account from One Main. You can't count interest for a loan that was not open for the full term which is what I discussed with their lawyer on the phone while mailing her my certified payment. I was promised otherwise and my credit report does not reflect what I was told. Please fix this because I am not accepting this from the company. I received a loan from the company in XXXX 2020 during the pandemic when my family lost everything. I was not working and the company was advised that and I paid them in full ; more than the initial loan that they gave me. Upon paying the loan the company told me that they would mark my account paid in full with no late fees but instead marked me down as settled. I literally paid them way more than they first gave me. I had disputed before and still no resolution from them. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Early Warning Services, LLC
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
According to XXXXXXXX XXXX  rep, a report was sent to Zelle in XXXX requesting restriction removed which is linked to my number, XXXX XXXX XXXX. The request was denied. Previously, I used the number for Zelle under XXXX, which there was never any issue. A prior CFPB complaint was filed, Zelle claims the number is good to use, however, the error still persists, unable to use Zelle under my phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: MO
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:
Experian is not trying to fix anything all they are doing is pushing credit cards

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 2023-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
Dear Capital One, I am writing to dispute XXXX late payments on my Capital One account ( # XXXX ) for the months of XX/XX/2021 and XX/XX/2021. According to 15 USC 1666b ( a ), a creditor may not treat a payment on a credit card account as late unless reasonable procedures have been adopted to ensure that each periodic statement is mailed or delivered to the consumer not later than 21 days before the payment due date. According to my records,, I noticed that I did not receive the required information outlined in section 1637 ( b ) of the same title, s. As a result, I am requesting that the late payment fees and any interest charges be waived from my account for those XXXX  months. 
As a loyal customer of Capital One, I have always made timely payments and maintained a good credit score. Therefore, 1 urge you to reconsider the charges applied to my account and comply with federal regulations to ensure a fair and transparent transactional process. Please update my account to paid on time. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account # XXXX XXXX XXXX I have made several attempts to reach out to Experian to have this account DELETED from my credit profile. XXXX XXXX has violated my HIPPA rights and ive made Experian aware, but they continue to ignore and not resolved this issue. This is an old out of date debt from 2016 that is lingering as zombie debt on my consumer report. I need this removed. Ive NEVER authorized the sale of my personal information. I have signed a release document for the hospital to release my information to my primary care doctors, and other treating physicians, not to a random 3rd party company to try and extort me for money. Company never sent me a 1099-C for my personal tax purposes. 

Also, I live in GEORGIA and XXXX XXXX is not registered to do business in my state.

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