BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-27
Company: CURO Intermediate Holdings
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 paid off a debt in full for speedy cash I disputed it twice, I tried to upload docs, satisfaction of judgement is in. My score went done twice due to the error in not removing it my score was a XXXX and now and because I disputed and they kept it on my score went down

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was sent an invite to apply for a new Capital One card and was denied however the law says a consumer can never be denied and extension of his or her own credit I do have a {$1.00} XXXX fee schedule set in place for any credit denials since Capital One has violated consumer law I have the right to demand all fees paid upon sight of this complaint {$1000.00} for reporting to my credit and {$1.00} XXXX for denial of an extension to my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: Experian Information Solutions 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 was aware of this fraud account on my credit XXXX of 2019. I am not aware of where it came from or who used my information. Since XX/XX/2019, I have been trying to get this account removed off of 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 2021-11-23
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
CFPB, you are allowing this bank to operate with impunity. This is illegal what they are doing! They are the reason why that consumer credit profiles are in the tank. Again, Barclay 's Bank seriously reduces my credit limit on my other card with them. Literally they took my credit limit from {$8900.00} to {$4400.00}. Which was basically what I owed. How can they be allowed to do this? This ruins my debt-to-income ratio and causes my XXXX XXXX to go down. PLEASE DO SOMETHING! FINE THEM! PULL THEIR LICENSE! THEY ARE A HORRIBLE 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 2021-11-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was initially contacted by Portfolio Recovery over XXXX debts from XXXX XXXX in which I do not owe. These credit cards were part of a massive identity theft against myself. I contacted Portfolio Recovery about disputing the validity of these debts and they stopped collecting on one of the debts but the other 2 they sent me credit card statements showing addresses from California and Puerto Rico in which I have never lived or never had an address in those states. The accounts are in the amount of {$2800.00} and {$1100.00}. I sent them a cease and desist letter then and explained I never lived in those states. They are continuing to harass me via mail and they have posted the accounts to my credit report which is hurting my credit. I have hired XXXX XXXX XXXX who also sent them a cease and desist and they are violating their letters as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
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 was aware of this fraud account on my credit XXXX of 2019. I am not aware of where it came from or who used my information. Since XX/XX/2019, I have been trying to get this account removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2021-11-23
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I set up a recurring scheduled payment on my checking account at Bank of America to my Mom 's Assisted Living Home, XXXX XXXX in the amount of {$10000.00}, on XX/XX/2022. On XX/XX/2022 I received a notice that the payment was scheduled and would be mailed. On XX/XX/2022 I received a call from XXXX XXXX regarding my mother. She was XXXX  and needed to see me. I was with her from XXXX to XXXX. I received a call from an unknown number and ignored it since my Mother was more important than what I thought was another SPAM call. A voicemail was left stating I needed to contact the Fraud Dept. before XXXX to pay the check. This message was at XXXX XXXX, which is already past the time they gave me to call back. 1 ) I set up the payment on XX/XX/2022. If they were afraid of fraud, why wasn't I contacted then to be sure I wanted to send a scheduled payment to XXXX XXXX in the amount of {$10000.00} every month? 2 ) Why was there no indication that it was Bank of America calling? I would have answered. 3 ) Why would they call and leave a message stating to call back before XXXX to pay the item, when the message left was at XXXX? This is clearly a Bank error. I requested them to pay the item which they stated they can not, it would have to be resubmitted, of course after XXXX XXXX gets the returned item at their Bank with a returned item fee. I requested Bank of America to give me a letter stating they have made an error in returning the check and for them to reimburse the payee, XXXX XXXX for the returned item fee from their Bank. They refused. There was no way for me to get the check paid that I authorized 10 days before the check was presented. This was a check Bank of America mailed to XXXX XXXX. There was NO way in this scenario that was not going to cause customer harm. I can not be the first. Please examine their procedures. This is wrong in so many ways.

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 2023-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2021-02-23
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: Information belongs to someone else

Complaint:
Its ridiculous! I do not know what to do ... I sent couple of letters already but I am ignored. I believe I am identity theft victim because I do not recognize accounts in my credit report. They are simply not mine but because of the bad reporting or so, these items just destroyed my credit report!!! I am a XXXX XXXX XXXX and we go through difficult times now, but because of this problem I can not rely on any help from the bank. Please can you remove these accounts and inquires that I have never authorized from my profile. These accounts are nor mine and its pure identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: EQUIFAX, INC.
State: NJ
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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XXXX XXXX, 2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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 explanation
Consumer complaint received 2022-05-04
Company: DISCOVER BANK
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was sent several invitation letters by Discover Credit Card. Each time I have applied I was denied. This has resulted in several hard pulls. I would like the following removed. 


XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: DISCOVER BANK
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had an excellent payment history with Discover card, and in XX/XX/XXXX they raised my limit from {$2500.00} to {$2800.00}. Just 3 weeks later they closed my account simply because a med-ical bill appeared in the collections category.on my credit report. They never gave me a chance to prove that this bill was paid. This ridiculous arbitrary decision by Discover card was totally uncalled for, and they have substantially damaged my credit in the process. I believe Discover card owes me substantial damages for their actions, and any credit card company that does business this way should be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
When I first created my personal PayPal account I had my legal name there before however, I changed it because I want to be anonymous to other people when I'm making a transaction yes I faulted on my part. But on XX/XX/2021, they limited me with no warning at all. They told me that there's is an unusual activity that is taking place on my account. But I just buy groceries and pay people online on Paypal as well. So why warn me now so they can have a reason to hold it for that long. It's like they anticipated this they could have given me a message before about verifying my account but they didn't bother at all. The amount that was kept in my account is {$2700.00}. The last transaction that I made was ordering from XXXX XXXX  using my Paypal on XX/XX/2021. 

I asked them to look at the emails, phone numbers, debit cards, and credit cards I used which are under my legal name also the device logins that I used for the few months as well they could just assure me that was me. But they did not try or assist me I asked if I can change the name of the account so I can verify using the legal documents I owned they said no It is not acceptable. Therefore they rejected my appeal and gave me the 180 days limit from the date of my last received payment. 

Their help and excuse were unacceptable they are not a bank and they do not have the right to hold my money. Any reasonable person would think that holding my entire balance for 180 days is excessive and may be seen by some as punitive or as already stated, an unnecessary abuse of power and perhaps even contrary to the laws of some states.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
THIS COMPANY HAS AN ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE/INACCURATE.

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 2022-05-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account Number ( xxxxxxxxxx XXXX account number not provided ), has violated my rights : 15 U.S. Code 1681Section 602 A- Violated my right to privacy. 

15 U.S. Code 1681 Section 604 A- A consumer reporting agency can not furnish an account to my credit report 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 explanation
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these 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

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 2021-11-23
Company: Exeter Finance Corp.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit as described in ( XXXX XXXX XXXX ) and was extended credit in a consumer credit sale, they are now claiming that they originated the credit I extended to them in which constitutes fraud, The alleged transaction included a finance charge ( sum of all charges ) and the finance charge includes insurance in which this organization did not include my insurance and my finance charge pursuant to federal law ( XXXX XXXX XXXX ) they have committed fraud and several violations of the XXXX and XXXX. 
They are now threatening and harassing me for an alleged debt that they claim I owe I never received a material disclosure of any of the information that was supposed to be provided to me, they have taken an unfair, unscrupulous advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous, false allegations on my consumer report. 
They act as if they are unaware of what I am requesting or that the law does not apply to them and Ive included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law. Their willful non-compliance has damage my reputation as well as my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Westlake Services, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2021, I sent in a written cease and desist notice to XXXX XXXX XXXX XXXX. It was received on XXXX XXXX according to certified tracking number XXXX XXXX XXXX XXXX XXXX. Pursuant to XXXX XXXX XXXX ( XXXX ) once received in writing by the consumer, all forms of communication with me through ANY and ALL mediums should stop, UNLESS it pertains to my remedy in writing via mail. 

XXXX XXXX XXXX XXXX violated my consumer rights pursuant to XXXX XXXX XXXX ( c ), I received an email today XX/XX/2021 at approximately 4:43pm. This is a form of communication through the medium of an E-MAIL. They sent an email regarding a " billing statement ''. XXXX XXXX XXXX failed to comply with federal law. 

XXXX XXXX XXXX XXXX did not comply with federal law, and is now civilly and criminally liable for willful noncompliance. 

Pursuant to XXXX XXXX XXXX Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( XXXX ) any actual damage sustained by such person as a result of such failure ; ( XXXX ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}

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 explanation
Consumer complaint received 2021-05-04
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
American Express has blacklisted me after 40 years of being a loyal card member. Although I have been black listed I am paying off my American Express cards and not late with any payments. Despite my paying off the balance of the Am-Ex cards in a timely manner American Express has contracted a collection angency, who is calling/harassing me to collect the Am-Ex debt which I am paying off on time. As a result of Am-Ex placing my account into collections my credit score has plummeted over 100 points. American Express has hired XXXX XXXX  XXXX as the debt collectiion agency who is harassing me despite the fact I am making timely payments to my American Express account. XXXX XXXX XXXX have repeatedly called me and are harrassing me for a debt that I do not owe. My payments to the American Express accounts they mention are current and I have no late payments to American express. The Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ) expressly prohibits creditors and debt collectors from making false and misleading representations to consumers. To this point the American Express accounts XXXX is calling me about are current and I have made no late payments. I am using American Expresses online portal to make payments since my account was black listed by them. Under direction of American Express, XXXX continues to call and harrass me for a debt that is current with payments. ( See CFPB complaints XXXX and XXXX as a reference to this matter ) XXXX attorney 's that call me do not identify themselves by name and are aggressive. I have not recieved any mail from XXXX and their response to my CFPB complaint about them was the first I am learning they are calling/harassing me about an American expess account that is current. American Express attempts to collect debt that is current with payments are unwarrented and destroying my credit scores with credit reporting agencies. I am asking American Express and XXXX to stop harrassing me and will escalate my complaint to the United States Federal Trade Comission and other government agencies, including the FBI if this harassment for a debt I do not owe does not stop immediatly. American Express is violating the FDCPA laws through sending a debt I do not owe to a collection agency that continues to harass me. American Express needs to stop the illegal collection activities and update false information they are reporting to credit agencies which is severly impacting my current credit scores. Very Truely Yours

Company response to consumer: Closed with explanation