BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I never received any information at all about this supposed debt, nor did they give me any option to dispute the debt!!! I just wrote them a letter asking them to verify the debt and to leave me alone and the debt isnt mine! They wont leave me alone Ive had to change my phone number. On my credit report I saw them saying how theyre contacting an attorney, I guess that means theyre going to prosecute me for debt that Im not even sure I owe!!! Theyre ruining my credit as well. I just want them to leave me alone!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2019 against my better judgement i paid for services rendered through paypal. I sent {$220.00} and they wouldn't release it to the receiver. On or about XX/XX/XXXX, after multiple attempts to resolve the issue i involved my bank. I requested a dispute. I told PayPal before i called my bank that this is what i was going to do. 30 minutes later they released, i called my bank and cancelled the dispute. PayPal took it from the receiver and is now holding it and showing no intent to return. I am awaiting a call from my bank but until the bank can do something, Paypal still has my money. This is wrong.,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Confusing or missing disclosures

Complaint:
XXXX XXXX XXXX Customer ( XXXX  ) Purchased XXXX at XXXX for {$5000.00} ( Contract for Services ) from Bank of America ( XXXX XXXX, VA ) Paid with Check Euros Arrived at BOA on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Customer has XXXX XXXX XX/XX/XXXX Bank ( Bank of American ( BOA ), XXXX VA ) returns Euros back to BOA Foreign Currency Exchange Customer Not Notified XXXX XXXX XXXX BOA converts XXXX to {$4900.00} and deposits to Customers BOA Account Customer Not Notified ( Two months after Euros returned ) XXXX XXXX XXXX  Customer attempts to acquire Euros at BOA ( XXXX ) Customer notified that Foreign Funds are held for 10 business days and then returned to BOA Foreign Currency Exchange . This term/condition is not stipulated when contract is made with the bank. This is in essence an attempt to modify the contract after execution. BOA has defaulted on the original contract. Customer neither signed, nor was presented any documentation with respect to BOAs 10 day hold policy. BOA sent no emails to customer attempting to notify him of this policy after Euros were purchased. 

XXXX XXXX XXXX Customer repurchases XXXX ( same number of Euros ) at XXXX for {$5400.00} Customer loses {$470.00} for same number of Euros purchased in XX/XX/XXXX Customer has requested a refund of {$470.00} for customers loss BOA ( XXXX ) referred customer to BOA Customer Service which referred customer to BOA Foreign Exchange Investigations XXXX XXXX XXXX XXXX Discussions with BOA Foreign Exchange Investigations states that BOA has right to change terms and conditions o

f Foreign Currency Exchange transactions. - Customer disagrees. Any stipulations on the exchange of fund, should be highlighted up front and any modifications after the fact modifies the conditions of the transaction. 
- Customer also contends since BOA had his email that an email notification would have been beneficial. Customer states that no emails were sent and BOA verifies this was the case. 
- BOA Foreign Currency Exchange states that terms and condition are up to individual bank and that any recourse needs to be communicated to them. BOA ( XXXX ) states that this is a corporate issue which needs resolution at XXXX. 
- Customer also questioned XXXX XXXX XXXX why they were allow to hold the Euros for almost two months before exchanging and depositing into Customers account. Clearly BOA Foreign Currency Exchange was holding because of favorable positive position - Customer requests refund of {$470.00} as BOA broke original terms of agreement costing the customer money.

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 monetary relief
Consumer complaint received 2022-06-10
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PennyMac mortgage policy states you can request PMI deletion at 80 % loan to " original '' value. They also state that at XXXX  % loan to " original '' value PMI deletion will happen automatically. I have been back and forth with their customer service trying to remove something that I don't believe anyone should have to pay in the first place. Right now I am at XXXX % loan to " original '' value. First I get told they are going to remove it, but it will take a month, now they tell me I have to pay for an appraisal out of pocket to determine if my home has lost value. I am not going to pay extra to remove something that I should not have to pay in the first place. There has been XXXX damage to my home, I have not made any insurance claims. If anything, my home has appreciated, but that doesn't matter, because the words in their policy state " LOAN TO ORIGINAL VALUE ''! They are robbing me every month and I want it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: Experian Information Solutions Inc.
State: TN
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:
Company keeps reporting incorrect account balance, also payment history stating missed payments when special payment terms were agreed to and accepted by creditor

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 2021-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Im was looking at my credit to make sure Im keeping up with everything and I saw several items on there that is not mine. I was told you all can help me with this. I have filed a complaint with the FTC and reach out to the police. Im doing this on my own and need some help. I saw these accounts that I dont know anything about XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXRT. There also several inquiries that I did not run my credit 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 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 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
My Experian and XXXX XXXX  credit report is incorrect and due to this they have taken XXXX points off my credit score when it should have increased as satisfied XXXX on report.I have forwarded emails from the company XXXX XXXX to show my account was not defaulted and no late payment markers and I do not owe anything as paid till end of XXXX when I would be moving if credit score was correct .I have also forwarded XXXX satisfaction letters

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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2021-12-18
Company: EQUIFAX, INC.
State: TN
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:
Company keeps reporting incorrect account balance, also payment history stating missed payments when special payment terms were agreed to and accepted by creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Reported it to you guys did the investigation with Equifax and XXXX even though I sent them everything they need this is like the second time around contacting you guys the company apparently responded and said to delete the account and I called XXXX today and they gave me nothing but the runaround and told me that it's not going to be deleted and didn't give me a reason why and I called XXXX today and they told me the same thing so this account should be deleted it's still on my they're ignoring you guys can someone please contact these people thank you. Stating that these heights finance should be removed from my credit report deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
am a victim of identity theft and am being harassed by collection agencies constantly calling me. The following information is what I have found on my credit report that is not mine! 

XXXX XXXX XXXX XXXX  XX/XX/2023. {$940.00}

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 2023-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I received an email that my address had been changed, so I logged into my bank of america app to see that a checking account was opened up in my name, which I didn't authorize. They closed the account. The next day the same checking account, with the same account number was added back to my account. I called in again to tell them I didn't authorize it. They closed the account again. Then informed that they had to close my account ( after 35+ years of banking with them ) and that i would receive a check in the mail in 7-10 days. I asked if I could go into a bank to get my money, the answer was no. 
My funds were frozen and no one got access to them! I still have not gotten a check! It's been a month, I am behind on my bills. I had bills on auto pay bouncing. My mortgage was late. I have reached out to the SEVERAL times, the fraud department will NOT release my money!! I am desperate for my money!! They can't ruin someone's lively hood like this! They put me in debt!! And are ruining my credit!! Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: WELLS FARGO & COMPANY
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2021 I received a debit card in the mail from Wells Fargo with activation instructions. I have never opened a Wells Fargo account. I called their Fraud Department, and it was determined that the account was opened as a result of fraud, and the employee stated a freeze would be placed on the account, and an investigation would begin. 

I received a letter on XX/XX/2021 that the account is still frozen and that the investigation is still underway. 

I am submitting this complaint for the awareness of the CFPB, and for the awareness of consumers and shareholders in Wells Fargo that checking accounts are being fraudulently created at this bank.

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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 dispute letter to TransUnion on XX/XX/2023 and they did not respond per the FCRA 611 and refused to investigate. here is my failure to respond letter or do something about it

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 2019-03-22
Company: Navient Solutions, LLC.
State: AR
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I first noticed payments to Navient on my student loans " disappearing '' in the summer of 2017. It had likely been happening for a long time. My fault for not paying enough attention I guess. SOME payments were showing up, and some weren't, even though I always paid in the exact same way ( online ). The money was pulled from my bank, but it was not showing up as paid on Navient 's end, and my loan amount owed was not decreasing. 

I called them, they confirmed that they had " not received a payment in three months '' despite the fact that my bank records proved otherwise. Later, they denied this conversation ever happened. I refused at that point to speak with them on the phone, but would use email only, where it can be documented, and they can't lie. They refused to discuss the loans or offer any explanation or solution, and still refuse to this day. I stopped sending them money, because I'm not paying money to have it vanish, obviously. They sent my loans to collections and confiscated my tax return ( thousands of dollars ) which I needed, because I'm poor. 

Additionally, Navient constantly offered only " forbearance '' when I had no money to pay, rather than more reasonable repayment options. Also, XXXX approved my loans for loan forgiveness, then suddenly, mysteriously " unapproved '' them two weeks later. I am 100 % certain Navient was behind that because they would not get as much money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: CarMax, Inc.
State: GA
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:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
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 non-monetary relief
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: NV
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:
After reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consume and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. XXXX is reporting Utilization on multiple accounts ( 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 ) and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave XXXX written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to XXXX violated my consumer rights by allowing these late payments/utilization to report to my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions 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 FCRA XXXX XXXX Partial account number furnished, has violated my rights. 15 USC 1681 I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can't furnish a account without my written instructions. 15USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2021-05-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Removal date : XX/XX/XXXX This Inquiry does not belong to me

Company response to consumer: Closed with explanation