BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-31
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2019, I paid off and closed a secured credit card account with CitiBank. I was supposed to receive a refund for the secured funds within 7-10 days as stated by the representative in the phone. I never received said refund. I waited a while and called again in XXXX to request information about something else. No mention of my refund. 

I called back on XX/XX/2019 to see if it would be possible to have the refund that I never received applied to a new secured card. They let me know that this was not possible because I would have to reapply for a new credit card. However, my refund should be issued and received within 7-10 days. As of today XX/XX/2019, I have still not received my refund. I opened the app and found that a stop payment had been issued on XX/XX/2019 and a check had been re requested XX/XX/2019. Tomorrow, XX/XX/2019 would put me outside of the 7-10 day window for the refund I requested on XX/XX/2019. After spending an hour on the phone with management and other nonchalant representatives, I am concerned about the legitimacy of this company and the refund I should be receiving. Just as I would be responsible for interest after a 3 month delay in payment, I feel that I should be compensated for the delay and inconvenience. I have literally been waiting for my refund since XX/XX/2019.

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 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
Bank of America lawsuit. Bank of America open a fraudulent Bank credit card in NY name with out me knowing it. This is the same process that the OCC just fined the Bank of America for fraudulent account 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 2023-02-04
Company: Paypal Holdings, Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
PayPal created an account on my behalf without my consent and knowledge. PayPal kept sending emails to inform me that they restricted my ability to use the account they created on my behalf. I am not able to make purchases online through websites that use PayPal. I contacted PayPal and asked them to delete any account they created without my consent. Unfortunately, they refused to do so and asked me to provide sensitive personal information like driver 's license and utility bills via email. I refused to share my personal information with them. I contacted my financial institution/ bank to cancel my credit card and issue a new one. I don't want XXXX to have access to my credit card account. I tried to make purchases online, but I was not successful due to the restrictions imposed by PayPal. I am seeking your assistance in resolving this issue and being able to make purchases using my credit card without any interference from PayPal. I also would like to close the account that PayPal created without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
Company: BANKERS HEALTHCARE GROUP LLC
State: AK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Tried to contact them regarding payment but no response. Never got a call, message or any mail saying that we missed a payment until I noticed myself that the payments did not get withdrawn. Payments were being taken out every 4th of the month but for some reason when I looked back on the transactions they started to withdraw on a different date which caused our payments to not be available and I was charged NSF fees. They did not specify that my payment dates changed, like I mentioned no form of contact at all. It seems like they meant to do that so that I would miss my payments. I emailed them again regarding that and again no response.

There is no way to go online to make a payment, you have to email them and speak to someone to get that to happen. No online access to our account or anything. 

So now I received a letter from a debt collector XXXX XXXX XXXX, XXXX. telling me I have to pay the total amount of {$59000.00}. They should have at least contacted me to straighten out this issue before sending me to a collection agency. They seem like a fraudulent company out there get your money. They were quick to get you to sign and provide document but right after approval the person I was working with no longer contacted me and no other contact after that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX Account XXXX. XXXX, XXXX Account # 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 an account without my written instructions.

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 2022-05-05
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:
Hi ... 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 and XXXX XXXX XXXX, all have violated my rights. 

15U.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 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 2018-05-24
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: Account status incorrect

Complaint:
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help!

XXXX XXXX XXXX Date opened>> XX/XX/XXXX XXXX  XXXX Date opened>> XX/XX/XXXX XXXX XXXX   XXXX  Date opened>> XX/XX/XXXX XXXX XXXX XXXX   XXXX Date opened>> 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 2023-02-15
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2020-04-09
Company: Experian Information Solutions Inc.
State: AR
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 was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. 

DEPEDXXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 non-monetary relief
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Homeowner XXXX XXXX disputes charges that have been made to her mortgage account by the servicer of her mortgage, Nationstar. She has tried to resolve these disputes by working directly with Nationstar but Nationstar has failed to correct the problems and has failed to respond to a Notice of Error sent on her behalf. On XXXX XXXX, XXXX, our office sent a Notice of Error pursuant to XXXX to Nationstar detailing how Nationstar had erroneously overstated her escrow shortage and asking Nationstar to correct the error. Under the CFPB regulations, Nationstar had 30 days to correct this error or to respond to the Notice. Nationstar has neither corrected the error nor responded to the notice. Instead, Nationstar has taken more aggressive collection action against XXXX XXXX and is now threaten to foreclose on her home. 

Since receiving our XXXX XXXX Notice of Error, Nationstar sent a billing statement dated XXXX XXXX, XXXX, to XXXX XXXX stating that she owed {$4300.00} the loan. On XXXX XXXX, Nationstar sent XXXX XXXX another letter inexplicably stating that now owes {$9000.00}, more than double the amount it stated she owed XXXX weeks before. In this letter, Nationstar threatens not only to foreclose on the home if XXXX XXXX does not pay the entire amount by XXXX XXXX, but also to seek a deficiency judgment against her personally. Nationstar appears to have illegally padded its fees for the loan by demanding payment in the amount of {$3600.00} for " Document Transfer Stamps '' ( although XXXX XXXX has owned the home since XXXX ) and {$3000.00} for attorneys fees ( although XXXX XXXX is not in foreclosure. ) In effect, Nationstar is retaliating against XXXX XXXX for exercising her right to send it a Notice of Error under the CFPB regulations. Rather than correct its error or even respond to the Notice is it is required to do, Nationstar is instead seeking to punish XXXX XXXX by adding unwarranted charges to her account and threatening to foreclose on her home if the charges are not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
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: Credit inquiries on your report that you don't recognize

Complaint:
THESE ACCOUNTS IS NOT MINE *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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Experian Information Solutions 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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 10 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : 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 2023-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Capital One Financial is committing securities fraud and will not credit my account. I was sent a payment coupon/security by Capital One, I endorsed the security/coupon for deposit into my Treasury Direct account for deposit and Capital One Financial reuses to follow instructions and deposit the security/coupon, according to UCC Article 9. Capital One Financial is making a fraudulent claim that I owe them for a debt that I discharged with a Form 1099-C that I sent to their CFO two months ago. Capital One Financial remains to report fraudulent information to XXXX and XXXX Credit Bureaus, and this is against the consumer protection laws. According to the bookkeeping entries of Capital One Financial involved in the extension of credit, did Capital One Financial lend their credit as adequate consideration in the credit agreement or contracts? Yes or No? Did Capital One Financial follow generally accepted accounting principles, GAAP? Yes or No? Capital One Financial is making false statements and damaging my credit worthiness for no reason. I demand Capital One provide where the extension of credit that they claim I owe comes from? I reserve my rights under UCC 1-308. According to Chap. 48, 48 Stat. 112 the debt they claim I owe is already satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # : XXXX, XXXX, XXXX, XXXX, XXXX, 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 2018-08-21
Company: National Credit Systems,Inc.
State: GA
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:
XXXX has been non-compliant with removing the unverified account NATIONAL CREDIT SYST which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that NATIONAL CREDIT SYST was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 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 2022-10-11
Company: Experian Information Solutions Inc.
State: NJ
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 contacted All 3 credit bureaus about the inaccurate information on my credit report on Early XXXX on more than one occasion. The three credit bureaus are supposed to report the same information, but they are not reporting the correct information regarding late payments for XXXX XXXX. The inaccurate late Payment that has been on my account has stopped me from getting the best rates in the loans and credit cards that I have applied for. It was not deleted. I also called first premier and nothing was changed. The status shows on XXXX and XXXX that I paid as agreed but on Experian it shows that I was late 30 days. That is false and I would like you to verify it and get to the bottom of it, because the bureaus have not been responsive over the years. If after my re-investigation of paragraph ( 1 ) of any information disputed by a consumer, a item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall Please delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation.

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 2023-09-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: DISCOVER BANK
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
A couple of years ago, I had a catastrophic event that prevented me from paying my Discover card bill. They quickly snowballed my minimum payment amount to well over {$1000.00}, which wasn't feasible when I couldn't even make the regular minimum payment. 
I called several times to try to work with them, but they wouldn't accept a lower payment. Finally they transferred me over to internal collections, who breezed through three different payment plans, discouraged questions, and refused to send me anything in writing, telling me that it was a " one-time offer. '' I refused to agree to anything without being given something in writing beforehand, so she hung up on me. 
I then found out that Discover reported me as deceased. I have tried to contact Discover to correct the issue, and I have reported the error to XXXX  and XXXX, but I have not been able to remove the " Deceased '' designation from my file. This has resulted in multiple negative impacts - making it difficult to resolve accounts, only being able to qualify for a ridiculously high interest rate on a car loan, and being denied a secured card to help improve my credit scores.

Company response to consumer: Closed with explanation