BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-31
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sold a fitness smartwatch on XXXX. the watch was delivered on the XX/XX/XXXX. pay pal is holding the funds and refuses to release the funds. I provided tracking information in regards to the items delivery. please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-12
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:
show tooltip button XXXX XXXX XXXXDispute Chapter XXXX bankruptcy petitionDispute Chapter XXXX bankruptcy dismissedDispute ftc violations please remove names : XXXX XXXX XXXX XXXX XXXX XXXX not mine

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 2023-10-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I reached out to XXXX XXXX to correct the incorrect report of a missed payment on my loan account. While they assured me that it was a mistake and that they would correct it, the error remains on my credit report. Despite the fact that no payment was missed, this erroneous information has lowered my payment history score from 100 % to 99 % across all three credit bureaus. I am urgently seeking a solution to address this matter and restore my account 's status to " no missed payments, '' thus returning my payment history to a perfect 100 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My CapitalOne card information was used without my permission by an unknown source, aka : fraud. The unauthorized charges totaled almost {$400.00}. CapitalOne initially reversed all of the charges and opened a case to investigate. After over XXXX months of back and forth, several hours on hold with their support and my re-issued card information also being stolen and used without my knowledge or permission, I am still being held responsible for {$15.00} of charges that I did not make. CapitalOne has refused to believe me when I say that certain charges are fraud and I am filing a complaint because they are not abiding by their card agreement and have made this situation unnecessarily difficult for me, the consumer. 
I discovered several charges on my account from XXXX, XXXX, XXXX XXXX, and XXXX brands starting on XX/XX/2020. I called CapitalOne as soon as I noticed and reported the fraud charges on XX/XX/XXXX. CapitalOne advised me that because I already had an account with XXXX and XXXX they could not report it as fraud because those companies could possibly have my card information. CapitalOne also advised me to call XXXX and XXXX and ask them to investigate those charges. CapitalOne opened a charge dispute case, cancelled my credit card and issued me a new one. 
When I called XXXX and XXXX, they both confirmed that my credit card, and address information were used to open a new account. This was done without my knowledge. XXXX issued a refund some of the charges. 
When I received my new CapitalOne credit card in the mail and activated it, the next day ( XX/XX/2020 ) I started seeing new charges from XXXX and XXXX. I had to call CapitalOne and cancel my card again and report the fraud. CapitalOne again told me that they couldnt file the charges as fraud because I have XXXX and XXXX accounts. 
On XX/XX/XXXX, I spent 3 hours on the phone and was transferred to 4 different representatives and they assured me that they were opening a new case and I would receive a letter in the mail outlining what is being done. I still have not received anything in the mail, and I tried calling their support line again on XX/XX/XXXX. The wait was over 1 hour so they said they would hold my place in line and call me back when a representative was available. No one called me back. I am now stuck in a tough situation because if I dont pay my card balance, I risk hurting my credit score/report. 
I have been re-issued another card but have not activated it for fear that it will again be used fraudulently. 
CapitalOne has been extremely unhelpful and had made this entire process unnecessarily difficult and they are taking advantage of their customers with this method.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
I am currently under the CARES ACT of XX/XX/2020 for my FHA Mortgage loan with XXXX & XXXX. Based on the guidelines under this act, my credit is not supposed to be effective. However, XXXX & XXXX is showing the amount of Past Due Payments which has affected my credit score. Per the guidelines, the credit account should show as current. The rep I spoke with at XXXX & XXXX stated because this is a forbearance and they have to report the past due amounts. This should be an exception in this case based on CARES guideline. This is unacceptable if you read the CARES ACT guidelines.

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 2023-08-20
Company: EQUIFAX, INC.
State: NV
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 sent Equifax three Identity Theft Reports, each with a cover letter, a copy of the Identity Theft Report, color copies of my drivers license and social security card, and exhibits of the pertaining fraudulent accounts as instructed on the FTC website. Two of said packets were sent on XX/XX/XXXX, and received on XX/XX/XXXX & XX/XX/XXXX. The third packet was sent on XX/XX/XXXX, and received on XX/XX/XXXX. Following each of the letters, they not only failed to block the information within 4 business days, they sent three of the same letter stating that they are not blocking the information, pursuant to Section 605 ( B ), and proceeded to state what is required under said section. In their letter and in the FCRA, it states that you need to provide proof of your identity, the specific information that is the result of identity theft, and a copy of your complete and submitted Identity Theft Report with the Federal Trade Commission or police report regarding identity theft. I provided those documents. If Equifaxs reasoning lies with needing additional proof of address/identity, I will provide it here, however that is not explicitly stated as a requirement in Section 605 ( B ). I have acted in accordance with the FCRA and Equifax has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Agent at capital one gave us conflicting information. One said our one return payment wouldn't effect our credit report but it did since I was denied a credit increase. Previous to this payment I been on time and current for 28 months. I want to remove the derogatory remark and get a reconsideration on credit report increase. I have a prestine credit history accept this one payment. I messed up payment details by mistake. I talked to a rude agent around XXXX on XX/XX/2020 who didn't show any remorse on this and wouldn't let me authorize my husband to talk and she seemed confused on what my question was.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: Early Warning Services, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/2020 I was forced to close my XXXX checking account and re-establish a new account due to suspected fradulalent activity. I am unable to establish a checking account due restriction placed on me through a company called Early Warning Services. I have been in contact with Early Warning Services and have an unresolve dispute. I believe misleding information reported by XXXX to Early Warning Services regarding the suspicious activity that had occurred with my personal banking account. I have no balance owed to any financial institution including XXXX. Why am I being restricted? I was the victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
BMO Refused to renew my loan because it wasn't my primary house anymore. It use to be my primary house for 8years. The loan contract states that the loan will be automatically renewed if agreed by both, but BMO refused to renew do to it wasn't my primary home. This was learned about after I called them and spoke to them. They told me to continue making payments as normal it shouldn't be a problem. As we continued to make payments, my wife and I kept an eye on our credit. It never shown any negative or late payments. Plus, BMO never sent me a certify letter or never demand the loan to be paid in full. I finally paid the balance off on XX/XX/XXXX after months of requesting a payoff letter. Once I paid the loan off they went back 6months and damaged my credit by stating I was late and it was a charge off. They performed this task in XX/XX/XXXX after I was requesting payoff letters months prior. This shouldn't be a charge off or late payment because they refused to give me documents.BMO then back log late payments because current credit checks never shown this prior. I will attach loan agreement which they should of refinanced per contract which doesn't state anything about 2nd home we don't refinance. Also I will attach payment stubs and a payoff document. Also the credit Bureau failed to there job and agreed with them. They also never sent me Documents that they finished there investigation or explained their reasons for their decision. They have ruin my wife 's credit and mine intentionally which has caused a burden and stress. Dates of payments will be on statements. Contact with BMO on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. They even wanted to see if they can refinance the loan and tried, and never mention to payoff the note it is being called. This is wrong for a bank. They also refused payment at first on XX/XX/XXXX until I threaten legal action. Also if you look at loan documents the maturity date was XX/XX/XXXX and it should of automatically been renewed then and they never wrote it off as a charge off or late payment. never reported it on credit report back then.

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 2020-09-15
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
i got a notice that a Inquiry inquiry came up on my credit report from itc .Im assuming its some type of collection system but they have it where my address is somewhere in Texas and when I disputed it with Equifax they said that it was accurate I have never ever lived in Texas so I want it off my record because that is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions 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 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 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 explanation
Consumer complaint received 2020-04-12
Company: Westlake Services, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Westlake account information report inaccurate data to each three agency. XX/XX/2016 company says debt reports all information is inaccurate from the dollar amount to the late payments the statement in the notes. The company called XX/XX/2016 times from 9 different numbers with four angry messages. In a 90 day span called 1587 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
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: Information belongs to someone else

Complaint:
I was the victim of identity theft. I have submitted the proper documents to prove it and nothing has been solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 non-monetary relief
Consumer complaint received 2023-04-21
Company: Westlake Services, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I tried to open up a loan with Westlake XX/XX/2023 and they go and approve me help me leave off the lot with the car and two days later I have to bring the car back to the dealership because he said my Social Security number was being used and it's fraudulent. I submitted my Social Security card and birth certificate with my ID and they still end up saying that it's fraudulent so I use in my name because I got this information from XXXX. XXXX and I called to speak to a supervisor left her for voice messages. She called me back one time I missed a call and I tried to call her back. She put me on do not disturb to where I couldn't resolve my issue and now on the account or if I try to apply for any type of loan with them, they have it down as I'm doing fraud when I try to submit my Social Security card and my birth certificate and my ID and nobody still has contact me and I feel that is bad customer service so now any dealership I go to any time I want to take out a loan on a house or anything they have me down as fraud when I gave them. Proof of identification called him seven times. can you remove this off the account because it's not supposed to be there I can send you a document showing proof this is who I am and they still couldn't fix the issue.

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 2022-05-13
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:
The account numbers are not the same which is inaccurate information. Please have inaccurate accounts deleted from my credit report. 

I'm requesting the following accounts be deleted immediately, because the account numbers and other details are not matching between Transunion and XXXX credit bureaus. I sent multiple letters over the course of 1 year requesting the details below. My Last letter was sent off on XX/XX/2022. I was told the credit bureaus to investigate every piece of information, on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking number XXXX and XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. According to the FRCA the term investigated consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom is acquainted or who may have knowledge concerning such items of information FRCA 15 USC 1681 everything has to be 100 % accurate. In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have rights 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 2018-05-04
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Wakefield and Associates has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2023-12-03
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Dealing with Marcus has been a real nightmare. My account got blocked on XX/XX/XXXX, and despite making four lengthy calls this week, I'm still stuck in a verification limbo. They couldn't send me a PIN to my cell phone, and it turns out it's because the number traces back to my wife, who set up the wifi in our apartment. 

After many hours on the phone and requesting to speak to a supervistor, they suggested either going through the tedious process of sending an affidavit ( and getting it notarized ) via mail or getting a new phone number linked directly to me. Opting for the latter, I got a new number, but alas, this morning 's call brought more frustrationstill no PIN, and I'm back to the affidavit option.

Currently locked out of my account, it seems like accessing it will be a long wait and I am scared I will not be able to access my savings. This has been the worst customer experience ever, Marcus is to avoid like the plague.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
TRANSUNION HAS FAILED TO RECTIFY ITS AFFAIRS REGARDING MY PERSONAL CONSUMER REPORT. I HAVE SENT SEVERAL FORMAL DISPUTES AS RECENT AS XX/XX/2023, XXXX XXXX & XXXX XXXX ; TO HAVE THESE ACCOUNTS REMOVED BECAUSE I HAVE NOT GIVEN PERMISSION TO TRANSUNION TO FURNISH INFORMATION ON MY BEHALF. PURSUANT TO 15 USC 1666 ( B ) ; 15 USC 1681b ; 15 USC 1681o ; 15 USC 1681n and 15 USC 6802 TRANSUNION HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS AND IS LIABLE FOR WILLFUL NON-COMPLIANCE AND NEGLIGENT NON COMPLIANCE. THESE ACCOUNTS HAVE NOT BEEN BLOCKED NOR REMOVED : XXXX FORMERLY XXXX, XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX  MY FORMER ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX, PA 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