BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: MI
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. 

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 2023-01-28
Company: Prosper Marketplace, Inc.
State: CA
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:
Earlier this XXXX I tried logging into my prosper card account account via website. I saw an alert that said I had restricted access. I called their support line and was told by a rep my account was past due XXXX I was shocked, and shared I had no idea and why was my auto pay shut off. He looked and said he didn't know why, I inquired when was the last debit, and what account was on file? The account number wasn't mine. I asked when was auto pay shut off ( since I had it from the inception of the card ), who requested it and how? Again unable to provide answers. I then asked why have I received no notices. None whatsoever, not standard mail, email, text NOTHING. He said, " because I was paperless billing, they were not allowed to contact me. '' That doesn't even sound right as a principle from a business loaning money and trying to get someone to remit owed money. I said I would make a payment over the phone if they would reverse their credit bureau reporting, I was put on hold, and when the rep came back he said his XXXX approved the agreement due to the aforementioned reasons and gave me a confirmation # Reference ID # : XXXX The next day I received an EMAIL trying to cover their tracks saying they are " informing '' me of payments returned from an unpaid account .... 
I thought they couldn't and HAD NOT sent any emails because I was on auto pay paperless billing? Awful being lied to. This is their fault, whose account have they been taking auto pay out of all this time for my credit payments? Who stopped that auto pay from wrong account? There is no history of ANY changes being made by me or anyone else. No changes visible in their account history screen since inception of card nor received an email of any requests being made verified or finalized by me. I have enclosed screenshots showing the account they had versus my account that I have had for XXXX. They didn't even remove the wrong account from my profile. I deleted before preparing this correspondence ( XX/XX/2023 ) because of outrage at their negligence. Clearly no investigation was done at all.

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: TN
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:
In accordance with the Fair Credit Reporting Act the following credit reporting companies have violated my rights : XXXX, XXXX, Equifax. 15 U.S.C 1681 section 602 A., states i have a right to privacy.

15 U.S.C 1681 section 604A section 2, states a consumer reporting agency CAN NOT furnish an account without my WRITTEN consent. Federal Law overrides any company policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
On or about XX/XX/2021, consumer sent letter to Transunion followed with FTC identity theft report of inquiries on consumer 's credit report which do not belong to 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 2021-06-27
Company: Paypal Holdings, Inc
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 2023-08-21
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The Credit Reporting Agency XXXX had access to and knowingly stole my non-public information and furnished a credit report. They are a non-affiliated third party as I have them no written permission to do so

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 2022-03-01
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have had a Collateral Holding Account ( CHA ) secured credit card with Citi Bank since XX/XX/XXXX with a balance of {$300.00} that I contributed myself. XXXX XX/XX/XXXX, my card gets renewed for another year and the account can not be converted to an unsecured card after that date. Annually in XXXX, I receive a letter from Citi telling me whether or not my card can be switched to an unsecured and thus far, it has sill required a Collateral Holding Account. The letter provides no insight as to why I do not qualify for an unsecured card or what criteria is reviewed. 

This year, I received the letter in the mail on XX/XX/XXXX dated for XX/XX/XXXX with again no explanation as to why I was denied an unsecured card. I called Citi Bank on XX/XX/XXXX and spoke to XXXX ( ID # XXXX ) who told me that a denial reason should have been included on the first letter and because it was not included, a new letter was sent out with a denial reason and I should receive it within 7-10 business days. 

On XX/XX/XXXX, I called Citi Bank again because I did not receive the letter that XXXX told me was sent out. I spoke too a woman on the phone, whose name and ID # i did not get, who told me no such letter exists so it was never sent out. She informed me that it was Citi Banks " internal policy '' to not inform customers of the denial reasons nor the criteria of which the decision is based. I asked to be transferred to someone who reviews the account and makes the determination as to whether or not a CHA is converted into a unsecured credit account. I was transferred to XXXX ( ID # XXXX ) of Account Services who informed me that there is no department who makes that decision and no one reviewed my account. I informed him that I have a credit score in the 700s with all 3 credit bureaus, I have a six figure salary, and have made all my credit payments on time and did not understand the reason for the denial. XXXX again said that he had no one he could transfer me to regarding why I was denied or how I can improve to be approved next year. He gave me a generic email address to write to. Closing this line of credit will adversely affect my credit score but I am more than disappointed with the customer service and Citi Bank as a whole. They are holding me hostage with this card.

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 2022-03-03
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 DRS # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : 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 2022-12-06
Company: Experian Information Solutions 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:
Kindly be sure with the accuracy and precision with this customer record accounts. Related information similar to this, this is amazingly harmful to my current credit record! Kindly provide that the particular information is 100 % verifiable and appropriate. 
XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I bought laptop from XXXX XXXX charged my credit card {$1200.00} for purchase then XXXX put another hold on credit with same amount overdraft my card over limit. I called Bank of America who issued my visa credit card and they told me its processing and we can not make claim on it. I contacted XXXX they said its going to clear once item shipped which never happened although purchase received. I filed fraud complaint against XXXX. And now I m filling against Bank of America who should have recognised the double charge and fix it but they want to charge me fees so they overdrafted my credit card

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 2022-02-17
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I want to submit a complain with regards to Navient and how the Department of Education is handling the new XXXX waiver. In my time of repayment, in XXXX to be exact I had issues with an affordable plan due to a nasty custody battle. When I called to request a lower payment on my federal and private loans held by navient. I was basically given the only option of default. I was basically told, it was better to default on a federal loan rather than my private loans. I have not missed a payment on my private loans, not even late. My federal, defaulted and my XXXX taxes XXXX was garnished. I was able to rehab my loans in XXXX and have it in good standing. Now with the XXXX waiver, we come to found out those default payments, and garnishment are not being counted. Those are payments, to my loan that is now in good standing. How is that fair? If new loans combine with old loans are being forgiven. If repayment status rather than actual payments are being counted? my default payments were real all XXXX, XXXX dollars. Please help us to have this address, the waiver needs to be updated and to include all types of payments!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: EQUIFAX, 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: Account status incorrect

Complaint:
1 ) I wrote a letter ( letter dated - XX/XX/22 to each bureau. I sent a first request for review and deletion based on my most recent Credit Report.I then sent certified mail demanding the Bureau.

12 ) The credit bureau 's have not responded to my initial or Demand Lette.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: Upstart Holdings, 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:
I hope this letter finds you well. I am writing to address a matter of utmost urgency regarding an alleged outstanding debt that is being reported on my credit report by UPSTART NETWORK INC. ( Account Number : XXXX ). 

I have recently discovered that this alleged debt, despite being written off, continues to be reported on my credit report, along with the outstanding balance. This practice not only negatively impacts my creditworthiness but also raises serious concerns of potential tax fraud and extortion. 

I firmly believe that reporting a written off debt is a violation of tax regulations and constitutes an attempt to use the credit reporting system as a means of coercion to force me into paying an alleged debt that lacks proper validation. This tactic is not only illegal but also ethically wrong. 

I urge UPSTART NETWORK INC. to take immediate action to remove this alleged debt from my credit report within four business days from the receipt of this letter. Failure to comply with this request will not only demonstrate a disregard for the Fair Credit Reporting Act ( FCRA ) but also reinforce my belief that this reporting is an act of tax fraud and extortion. 

It is essential to reiterate that this alleged debt lacks proper validation and has not been substantiated with adequate evidence. Therefore, its continued presence on my credit report is unjust and damaging to my financial well-being. 

I expect UPSTART NETWORK INC. to promptly review this matter, conduct a thorough investigation into the alleged debt, and provide written confirmation once the debt has been removed from my credit report. The immediate resolution of this issue will help avoid further escalation, legal action, and potential damage to the reputation of your organization. 

I have retained copies of all correspondence, credit reports, and supporting documentation related to this matter for my records. Please direct all communications regarding this issue to the address provided above or via email at XXXX. 

Thank you for your urgent attention to this matter. I trust that you will treat it with the seriousness it deserves, and I expect the removal of this alleged debt from my credit report within the specified timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: CA
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 have been a victim of identity theft due to my information being involved in XXXX, Experian, and XXXX data breaches. I have many unauthorized accounts listed on my reports that are ruining my reputation with the banking system and hurting my chances with getting a mortgage. I also sent in all necessary document evidence and the credit bureaus are willingly infringing on my consumer rights. Not only are the accounts inaccurate but they are being reported without valid evidence.

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 2022-03-02
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am closing on a house in FIVE DAYS. AND EVERYTHING IS GOOD EXCEPT FOR THE FACT THAT EXPERIAN, THE ONLY ACCOUNT THAT REPORTS THAT I HAVE FORCLOSURE IN 2019 AND IS BEING REPORTED AS SO. EVEN THOUGH I HAVE SOLD THE HOUSE ON XX/XX/XXXX, XXXX XXXX XXXX. IT HAS BEEN 4 YEARS SINCE I HAVE MOVED OUTOF THIS HOUSE AND SOLD IT BUT IS NOW BEING REPORTED A YEAR AFTER I SOLD IT AS A FORECLURE. THIS IS VERY MUCH HINDERING MY ATTEMPT TO PURCHASE A HOME AND LIVE A NORMAL LIFE. I have tried calling every single number associated with EXPERIAN and nobody is reaching back. I need this taken off my credit immediately or else I will take serious legal action

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 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am utterly confused for what is happening. I've submitted this complaint 3 times & CFPB & TRANSUNION are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, This is so disgusting! The account listed below was opened due to identity theft. I've provided you ( CFPB ) & TRANSUNION with an affidavit & FTC fraudulent report to support my position. It seems TRANSUNION is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like this account blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the account removed/blocked per 605b with the attached documents again... Thanks 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 non-monetary relief
Consumer complaint received 2024-01-08
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
on XX/XX/XXXX I made XXXX seperate payments to XXXX different credit cards for XXXX dollars each on XX/XX/XXXX, each XXXX  company sent me an email that my bank rejected the payments. i immediately contacted Wells Fargo to get information, they acknowledged the error was on there part and sent letters to the effect of the error. XXXX the XXXX i recieve notification from XXXX of my long standing credit cards they closed my account due to an XXXX, the rejected payment from my bank and have listed me as a high risk due to the XXXX. I applied for financing on the XXXX of XX/XX/XXXX and recieved a instant rreply of declined with a response negative payment history due to nsf, the creditor was the bank that just closed my other credit card. SO Wells Fargo has caused me to lose my Credit Card, had me lableed as a high risk and had me declined credit due to there negligence. plus cost me nsf fee with credit card company..

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 2022-03-01
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Crown Asset Management ( C.A.M. ) violated my rights as a consumer. 

C.A.M. did not give me the opportunity to exercise my right to dispute this alleged debt. I received a summons in the mail, and in the documents it showed that they tried to serve me face to face for a few weeks. The documentation was written by an attorney representing the company violating 15 USC 1692e ( 3 ) as stated an attorney or affiliation can not act as a debt collector. Looking at the information sent from C.A.M. under the Uniform Commercial Code Section 3-204, the name and the signature of both the beneficiary and the original creditor must be disclosed in the same document 3-204 ( d ), but Crown Asset Management and my signature are not found together on any document. However. C.A.M. continues to unlawfully seek litigation against me having no first hand knowledge of the consumer credit transaction that took place which is a violation of 15 USC 1692e.2 ( a ) ( b ) according to the FDCPA. C.A.M. has tainted my reputation by bringing litigation to my name!

Company response to consumer: Closed with explanation