BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-05
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 non-monetary relief
Consumer complaint received 2022-03-31
Company: EQUIFAX, INC.
State: TX
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:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Paypal Holdings, Inc
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX while working I got a notice money had been withdrawn from my checking account from a XXXX XXXX Ive never been to a XXXX XXXX or shopping there but it had been taken out with an atm. I locked my card immediately and disputed it but unfortunately they took two withdraws one of XXXX and another for XXXX. My bank denied the claim saying it was authorized because my pin was used but this was impossible because my card was with me in XXXX and no one but me had ever known my pin. I filed a police report they believed my card and pin was skimmed I provided paypal the case number and office name as it was being used nvestigated and would be able to provide camera footage of atm if paypal needed after speaking with 3 reps over the phone and escalating an appeal I got motivation again it has been denied again this was an automatic message generated with no real person to talk to besides general customer service agents over the phone that cant handled appeals

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-31
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Wellsfargo automatically opened acct when wellsfargo mortgage bought out my mortgage bank in 2011. And I have lost money on my mortgage. 
I have XXXX so I'm sure the records will straighten out that owes me. Thank you

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 2020-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Problem with personal statement of dispute

Complaint:
I disputed an alleged bankruptcy as inaccurate with Trans Union. I reached out to the Original Creditor which is the " US Bankruptcy Court Of XXXX '' and THEY RESPONDED BACK STATING THAT THEY DO NOT VERIFY BANKRUPTCIES WITH ANY CREDIT BUREAUS. 

XXXX was also unable to verify this alleged Bankruptcy so THERE IS NO absolute way that Trans Union is Verifying this alleged Bankruptcy ... Because these are the two ways That Trans Union Claimed to have verified the alleged bankruptcy. 

In light of the recent changes to the FCRA ( FACTA ), consumers now have the right to go directly to the original creditor and ask for proof of negative information. 

I've attached the Bankruptcy Court Response and XXXX response also stating they couldn't verify the bankruptcy. 

This is a violation of the FCRA Also a violation Of the FDCPA

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 2019-01-31
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:
I have disputed the bankruptcy on my credit reports numerous times, I never have had an active bankruptcy. XXXX, Experian and XXXX  have been saying that they have verified the account as valid but have not provided any proof of verification. I went to bankruptcy court to pay for the official paperwork but I started back working before my court date so the paperwork was never filed but somehow it has popped on my credit report making it very hard for me to qualify on buying a home this year. Please look into this matter and delete this inaccurate information from my credit report as it is a violation to my rights as a credit consumer to have information like this reporting incorrectly. 

Bankruptcy Dismissed - 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 2020-12-17
Company: CITIBANK, N.A.
State: NC
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:
In XXXX due to the holiday my direct deposit in my bank posted later than usual. I realized this immediately and contact Citi to ask how to correct the issue. The rep told me not to worry about. That they didn't see anything reversing. I specifically asked them about fees and if they would run the charge through multiple times and once again I was told there would not be an issues. A few days later I see that the payment didn't go through as expected and I submitted a second payment. But citi ran the first payment through a second time. So the second payment decline and then it was ran through 3 times. I asked citi countless times what the issue was. How i could resolve it. How I could get the fees removed off the account for the returned check etc. I was never given any clear direction from Citi. Suddenly after what I though was clearing up the payment citi closed the card because of returned payments. This is extremely unfair to me. I caught the intital issue and contact the bank multiple times about the issue and was never given a clear answer. I asked about fees, processing and everything and it was not until the card was closed that I was given clear information. Now I have a closed card and fees on top of it that they are requesting to be pay. Had I been told when I first contact citi that they payment would be tried three time this issue would have never occurred. In my attached screenshots you will see my multiple conversation with Citi bank. As well as emails from my bank showing the payment posting just slightly before the deposit did. ( which caused the issue ) I have had this card for almost 2 year and had NO issues. Never missed a payment in fact I paid half the balance every month. To be punished for being misinformed

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 2023-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
On XX/XX/XXXX I purchased XXXX plane tickets at the CapitalOneTravel website with 3 upgraded seats in row 19 on XXXX XXXX, I was charged for the XXXX tickets plus {$220.00} for upgraded seats in row 19. 

When I checked my airline booking unfortunately the seat purchase did not go through and instead I was assigned free seats ( while my upgraded seats had selected were still available ). I then used the same card to purchase the seats again separately. 

On XX/XX/XXXX I called customer service to get a refund on the original seat selection I was charged for but never received. I spoke with XXXX XXXX ID XXXX, who after putting me on hold and checking told me the transaction had already posted and there was nothing she could do. 

I then asked to speak to her supervisor and after another 5-10 minutes she came back and told me her supervisor couldn't talk to me either because she couldn't help me. 

I have now been double charged a total of {$440.00} and need to be refunded the original {$220.00} I was charged on XX/XX/XXXX since I never received the upgraded seats I paid for. 

I have attached the receipt sent by capital one showing the {$220.00} they charged me for the upgraded seats and the XXXX XXXX seat assignment image showing I was not assigned the seats in Row 19 that I paid extra for but instead received a seat assignment of free seats in Row 13.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-09
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I applied for a loan through One Main Financial ad received a call from who I thought was the company telling me i Had been approved. Below is a copy of the loan acceptance letter ; One Main Financial XXXX Attachments XXXX XXXX  ( 3 hours ago ) to me Hello, Mr.XXXX In this Consumer Loan Agreement ( " Loan Agreement '' or " Agreement '' ), the words " You '' and " Your '' mean the Borrower identified above. The words " We, '' " Us '', " Our '' and " Lender '' mean One Main Financial holdings, LLC, licensed and regulated by the State of Washington Bank Commissioner. 



Monthly Installment Amount {$260.00} Total Months to Re- Pay your loan Amount 12 MONTHS Amount Financed The amount of credit provided to you {$3000.00} PAYMENT SCHEDULE : SECURITY : You have to secure with XXXX ( XXXX XXXX XXXX ) which is going to cost you {$190.00} ( for next 12 months ) which is a Refundable Amount. 

LATE CHARGE : If your payment is one or more days late, you will be charged a one-time late fee in an amount that is the lesser of {$30.00} or 5 percent of the total late Payment ( including finance charge ).

PREPAYMENT : If you pay this loan off early, you will be entitled to a refund of any unearned finance charge. Review this entire Loan Agreement for additional information about nonpayment, default and prepayment refunds.

Disbursement Authorization : You authorize us to disburse the proceeds of Your Loan, totaling ( Loan Amount ), subject to the terms and conditions of this Loan Agreement, as follows : 1. {$35.00} to payoff outstanding amounts owing on prior loan ( s ) ( Number ( s ) ), including any outstanding principal, accrued interest and other fees and charges, if any, As of ( Date of Loan ) 2. Loan amount will be deposited to your checking account identified in ACH authorization here in. Thanks Regards, XXXX XXXX ( loan manager ) One Main Financial XXXX XXXX XXXX I'd paid for the insurance to realize that it was all a scam. Asked for my money back and was told it can't be cancelled be cause the player quit the game.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Due to the fact that my Identity was stolen a fraudulent account was opened up with Commenity Bank. I have a police and FTC report in regards to being a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Radius Global Solutions LLC
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:
Since nearly 60 years ago I've been harassed by a collection company that has medical bills having nothing to do with me I've asked for reports and proof and nothing has been furnished they are in violation of the fcra reporting laws and federal debt collection act. Please produce original signatures or stop harassing me and remove it from my credit

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 2020-12-16
Company: Experian Information Solutions Inc.
State: TX
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:
when asking experian to remove address they just change my address by combining the zip codes false removal process please have them correct it see attachments all ftc filed : XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute OFFICE OF THE ATTY GENERDispute U.S. DEPARTMENT OF EDUCATION

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 2023-06-28
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 2022-10-13
Company: MOHELA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureau to validate these accounts ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate the following reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and update : XXXX XXXX XXXX XXXX XXXX AL XXXX, MOHELA/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00}, MOHELA/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, MOHELA/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, MOHELA/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, MOHELA/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, MOHELA/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, MOHELA/DOFED XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX, MOHELA/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, MOHELA/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Halsted Financial Services, LLC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called XXXX XXXX XX/XX/22 regarding text messages that they were sending to my phone for a debt that does not belong to me. Originally I clicked on the link to try to figure out how I owed a debt with a company ( XXXX  XXXX ) that I just started with. When I clicked on the link to find out exactly what was going on, it required me to type in the last 4 of my social security number, which I did. When the account information pulled up, I realized it was NOT my account. My son who is a minor has the same name as the XXXX of that alleged debt. I called halsted financial and they violated federal law by releasing the last 4 of that persons SSN when I told them on the recorded line my name which is not the name listed and of course not the ssn. You can not release protected information such as SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Please see the attached FTC report and remove the unauthorized inquiries. I have already attempted to contact the credit reporting agencies regarding the inquiries. Please keep in mind that I have included all of the unauthorized inquiries reporting to all 3 credit bureaus, so if there is an inquiry that is on the report that you do not see, then please remove the inquiries that you do see. This is to avoid the stall letters that you always send back stating that the inquiry is not on my report. This means that is on another report so disregard and remove the others.

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 2020-12-17
Company: Lending Club Corp
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
After paying off my {$15000.00} loan in XXXX, I have continued to receive regular emails and phone calls from Lending Club. 


There is a {$27.00} late fee that the phone callers are ostensibly trying to collect on, but more at issue are the deceptive emails " reminding '' me to make my regular monthly payment of {$520.00}, and that my balance is " past due ''. Here is an excerpt from their most recent email, but they've all been of a similar form : -- - Dear XXXX, Your account is now past due in the amount of {$520.00}, and we have been unable to reach you. To help you avoid additional fees and damage to your credit history, please call our office toll-free at XXXX XXXX XXXX XXXX today! 
-- - I've received emails in this manner on - XX/XX/XXXX & XXXX - XX/XX/XXXX, & XXXX - XX/XX/XXXX, XXXX, XXXX - XX/XX/XXXX, XXXX, XXXX To further compound the problem, over the past several months whenever I've tried logging into my online account to see what the fuss is about, I'm met with the following message : " Due to maintenance, your loan information can not be displayed at this time.Please try again later. '' I spoke with a Lending Club agent earlier this afternoon about the issue and while she advised I pay the late fee and ostensibly be done with the problem, I believe their practice of sending emails with misleading statements regarding incorrect account balances is at the very least a dubious business practice and indicative of potential underlying issues with the software that manages their loans, and depending on whether other borrowers have acted on those incorrect statements and remitted payments beyond what was due on their accounts the aforementioned actions of Lending Club may amount to fraud.

Company response to consumer: Closed with explanation