BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I'm trying to be patient in this situation I really am but I am getting frustrated on this matter. So the Fair Credit Reporting Act section 603 or 15 usc 1681a ( 2 ) ( B ) whatever it's called but there, it says right under rules of construction states that consumer reports EXCLUDES " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. '' my social security card IS a credit card pursuant to law. I'm not XXXX. That's according to truth in lending which is the same definition under the Fair Credit Reporting Act. So why is it that I have this stupid account still on my credit report when it's not supposed to be there in the first place?! It's supposed to be excluded! This is frustrating because I have been dealing with this situation for mad long and it wasn't supposed to be there in the first place. Also I have another account that has late payments on it and it should be listed as paid as agreed. law says you can't have late payments on an open-ended consumer credit plan reasonable procedures were not followed and I did not receive my statements which included my finance charges pursuant to 15 USC 1637 ( b ) REMOVE THESE ACCOUNTS! You can investigate and everything and once you can't find those letters I should have received, Remove the late payments and Please change it to paid as agreed like it's supposed to be. I did not give consent to this reporting at all. I didn't give any written letter saying I want this account on my report. What gives?? I took the steps need and notarized my letters and all my paperwork because I getting ready to sue at this point.

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 2022-07-22
Company: CREDIT ACCEPTANCE CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

{ account name ; lates } This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

CREDIT ACCEPTANCE CORP XXXX XX/XX/2012

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 2021-10-20
Company: Social Finance, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied to get my home mortgage refinanced with SoFI. In order to start the process i had to get appraisal done and i paid SoFI {$520.00} to have appraisal scheduled. 
Appraiser came on XX/XX/2021. In his report i found mistakes that would affect the comparable and value of the house. The mistakes i found were 1. Missing half bath, misreporting of updates by saying no major updates done in last 15 years where as complete first floor remodel was done in last 2 years plus second floor flooring and paint. At first when i brought this up SoFI loan officers did not understand and told me i needed to provide them with list of houses that would be comparable and all the details in " reconsideration of value '' document if I want to try to have the appraiser review his findings. Even after paying the money for appraisal i was told to fix the problem. They told me that because the underwriting had accepted the appraisal they can not do anything. i had lost my trust in the company at this point as they are accepting falsely documented information for such a big transaction. At this point i wanted to get my refund for the appraisal so i can go somewhere else for my refinance needs. They took long time to resolve the appraisal issue and that caused me immense stress and missed opportunity to get a good rate in timely manner. They insisted on fixing the report saying the value does not change since the missing info is not significant. Even though they gave me updated report it was prepared for SoFI and it is useless for me. I am still under distress because of this issue. Their own team is sending me decision that the mistakes on the report was not significant and we have decided to not refund the money. I believe that if it was the other way around and by mistake my house value was more because of an additional bath, they would have said it was significant and take money off so they can give me higher rate. I believe, they should refund me my money but I am really looking for an impartial 3rd party to give me a good reason why the company does not need to give me a refund. So i can move on and never work with them again. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Paypal Holdings, Inc
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Paypal reference number : XXXX Paypal XXXX to block my business without any reason. I use paypal to receive and send money to my suppliers simply. I am a customer since 2018 and yesterday they blocked my account and my money. Paypal XXXX reference number : XXXX Here is their message : You can no longer use PayPal. After studying your account, we have decided to restrict it permanently, as it presents potential risks. Therefore, we can no longer offer you PayPal services. No card or bank account registered on your PayPal account can be deleted or registered on another account. You can still log in and view your account information, but you can not send or receive money. If you have money in your PayPal balance, we will suspend it for up to 180 days. After that time, we'll send you an email telling you how to access your money. 

I have familiy, my account paypal it's important for me. Every day i receive money from paypal. I have nothing problem before. I'm not criminal. 

You can check my historic paypal. My customers so happy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: BARCLAYS BANK DELAWARE
State: NC
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 my Barclays XXXX card was stolen from my wallet. I discovered my card was stolen when I received a fraud alert via text from Barclay 's concerning a purchase from XXXX XXXX. I interacted with your auto fraud line immediately to report theft. I called and reported the card stolen. 

When I received my statement I discovered an additional charge for XXXX on XX/XX/XXXX was made at XXXX XXXX shop. I filed a dispute via the Barclay website. The charge was not removed. I called and they said there was no record of a dispute. I called many more times to get the dispute filed and resolved. Each time they said there was no dispute, last time they asked for me to fax in a sworn statement. I faxed one in on XX/XX/XXXX. When I called 5 days later and asked for the status they said they received it but a dispute was not opened someone would call me back when it was opened. No one has called me back. 

The call center is obviously trying to circumvent the filing and resolution of a dispute. There is no avenue to speak to anyone who can resolve the issue. Barclay 's is intentionally subverting the investigation of fraud charges and abusing consumers. 

I have asked numerous times to speak directly to someone in their Fraud investigation department, they say I can't be transferred. They say they will request someone from Fraud investigations to call me back. No one has ever called me back. 

I do not have the funds to pay this fraudulent charge so they are assessing late fees and interest payments. Barclay has also reported me as being late on my credit report. 

I am now being charged late fees and interest for this card. I want the fraudulent charge, interest and late fees removed and my credit report corrected.

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 2023-08-19
Company: EQUIFAX, INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom It May Concern : I am recent victim of identity theft. Please remove these fraudulent items for the final time because of identity theft. I have recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed an account that I wanted a little more explanation on, XXXX XXXX XXXX XXXX, and it need 's to be deleted/removed from my credit report. I also recieved an alert on my XXXX account that a recent account has been opened with my social security number at XXXX XXXX XXXX, The claim # is : ( XX/XX/2022-XXXX ) that does not belong to me. Please help. 

THESE ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND XXXX. 

FTC REPORT # : XXXX THE POLICE REPORT # : XXXX I DEMAND THESE ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY! .They do not belong to me. Delete & BLock immediately! 


Collection Account : XXXX XXXX ( CREDIT CARD ACCOUNT ) Account Number : XXXX XXXX delete it from my credit report. 
Date Opened : XX/XX/2022 Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: IN
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:
XX/XX/2022, I sent a ltter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating '' They do not report any bankruptcies to anybody, '' So if that's the case, How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term ''investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 whom he is aquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer credit record obtained directly from creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a credit of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have filed two credit disputes with LexisNexis in regard to a bankruptcy being reported on my consumer credit Public Records profile. My last certified dispute letter was dated XX/XX/2020. I requested that they provide me the original documentation bearing my signature and method of verification for this public record and all associated accounts or promptly delete. LexisNexis responded to my first request. The response letter was dated XX/XX/2020. LexisNexis stated on page 1 the following, " We are unable to process your request at this time, additional identification information required to process your request. '' a blank form to get my personal information at the same time they sent me a copy of my credit file if they didn't have my information it doesn't make sense they sent me a whole credit report file. I know for sure that LEXISNEXIS failure to provide reasonable procedures used to verify this alleged Bankruptcy account is a violation of the Fair Credit Reporting Act. I sent a letter to the US BANKRUPTCY COURT in XXXX, GA on XX/XX/2020 and they have provided me with confirmation that they do NOT supply information to credit reporting agencies, a letter postmarked on XX/XX/2020. There are several violations of the FCRA in this case and anything but permanent deletion from my credit profiles would be a violation of my civil rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
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: Account information incorrect

Complaint:
For my XXXX report I apparently have a balance of {$2500.00} as of XXXX but for XXXX & XXXX I have no balance. I also had an amount due for XX/XX/XXXX, but the credit limit shows I had {$2000.00}. This information is makes no sense and it needs to be handled. Also if my date of last payment was XX/XX/XXXX how can I have a delinquency the same date. The payment history shows different information as well. 

For my Transunion report it shows I have no balance for XXXX & XXXX. On XXXX, XXXX, & XXXX it shows I have a balance. 

XXXX doesn't allow me to download a report.

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 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am submitting you this CFPB Complaint to dispute the accounts on my credit file that belong to my daughter. These accounts have been incorrectly reported on my credit file and are negatively affecting my creditworthiness. I request that these accounts be removed from my credit file immediately. Under the Fair Credit Reporting Act ( FCRA ) Section 611, I have the right to dispute any information on my credit report that is inaccurate or incomplete. These accounts are not mine and should not be reported on my credit file. Their presence on my credit report is a clear violation of my rights under the FCRA. These are the accounts I am requesting you to please take off of my Credit File : XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX Balance : {$39000.00}. I have taken steps to verify that these accounts belong to my daughter. Therefore, I am requesting that the credit bureaus investigate these accounts and remove them from my credit file as soon as possible.

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 2022-07-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have previously complained about Portfolio recovery and the complaint was closed and nothing was resolved. Complaint # XXXX. 

Portfolio recovery has been negatively reporting to the credit reporting agencies causing my credit score to drop significantly. 

I have requested validation of the alleged debt and they have not issued proper validation of this alleged debt, contrary I have come to find out they had a claim against me in court. 

Furthermore, they never sent me any first communication, yet in their response to my dispute with the credit reporting agencies, they have sent me a " copy '' of a sold letter that allegedly was sent from XXXXXXXX XXXX 

I have requested of them in several occasions including today via email a copy of the alleged contract between XXXX and Portfolio. Copy of the forward flow agreement. The invoice for how much they bought this alleged debt. All statements and documents provided to them by XXXX that made them believe this alleged debt was valid. Along with the statements as what they sent me was incomplete. 

I need someone's assistance with this company. They do not care about consumers ' rights and they are just getting away with making consumers ' lives more complicated and stressed and causing the extension of credit difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXX XXXXUPDATED XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-UPDATED XXXX XXXX-UPDATED XXXXXXXX XXXX XXXX XXXX-UPDATED XXXXXXXX XXXX XXXX-UPDATED This is not telling me how we're these account XXXX . 
So once again I'm requesting method of veification for the accounts above, not an update but verification. 
I request that you send me this information so that I know that the investigation was in fact conducted properly. If yo are unable to respond in a timely manner and /or provide me with the requested documentation, please delete the accounts ) from my credit report. 
Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22
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: Investigation took more than 30 days

Complaint:
I wrote a letter XX/XX/2023 regarding inaccurate and items not known to me on my credit report. To this date I have not a response on the validity of the items. I feel that my dispute is not being taken seriously and I am being taken advantage of. Section 611 ( a ) states that failure to investigate these items in 30 days is a reason to immediately remove the disputed items from my credit report. It has been over 30 days and should be deleted promptly. I demand the items be removed immediately and if not done will consider litigation due emotional distress. I am concerned due the Transunion date breach my information may have fall into the wrong hands.

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 2018-03-12
Company: U.S. BANCORP
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hello, I received a phone call on Friday XX/XX/XXXX from a lady named XXXX XXXX she told me she was working with a collection company for US Bank and I needed to call this number in order to fix my situation or they were going to freeze my assets and get a hold of my HR at my job. The number she wanted me to call is XXXX XXXX XXXX. This lady stated in my voicemail that I still have by the way, to clear my checking account problem soon and it's from XX/XX/XXXX. I didn't receive my voicemail until Saturday morning XX/XX/XXXX at that time I called the number she left on my voicemail I reached a guy named XXXX XXXX from phone number XXXX XXXX at extension XXXX. Then he proceeded to tell me we were being recorded as we were talking and he can use this for court purposes he told me I need to clear up this matter that I had US Bank and I supposedly wrote a check for {$24.00} and it went into overdraft and he stated they forced closed my checking account in XX/XX/XXXX mind you XXXX XXXX told me it was from XX/XX/XXXX. Me being scammed and a victim of identity theft I also have the XXXX XXXX monitoring my credit because I.work for the XXXX XXXX. I checked into this to find out it was a scam and l was to go report this. They were asking me for {$2700.00} I told him I was not paying anything until I found out if this was legit he advised me to call back as soon as possible to fix this matter or my assets will be froze! I also told him I had my account at US Bank till XX/XX/XXXX that he was a lier!!!! I did not give him any personal info! I'm so sick and tired of these scammers trying to rip off hard working people! Please find them and prosecute them. I'm also looking into an attorney to sue them. 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