BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-06
Company: Avant Holding Company, 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: Investigation took more than 30 days

Complaint:
This complaint is regarding my credit card account with Avant Card ending XXXX has a credit limit of {$500.00} with a current available balance of {$380.00} with a APR of 25.99 %. 

I have never missed a payment with Avant card ive always been excellent with them and overpaying. Currently they have my card locked and have had it locked since XX/XX/2021. 
I submitted a dispute on a charge in XXXX for a charge at the time that stated authorized charge pending for {$290.00}, they submitted my claim to fraud they shut down my card sent me a new one. After that point a week later the charges name appeared " XXXX '' I called avant and they informed me that I could call XXXX the representative gave me the number and told me if they do it will take 10 business days. I call XXXX they informed me it was something with a XXXX XXXX  XXXX  in New York & that no dispute had been submitted but once my credit does submit it, they will send in everything to prove I did not rent a vehicle nor picked up a vehicle with a XXXX XXXX  XXXX  in NY. 

I also informed them I am in Florida how would I be renting a car in New York and they could see all my purchases at XXXX XXXX, XXXX, my XXXX  purchases. 

I received a call from someone name XXXX from fraud saying my case was being transferred to the dispute center and, it would be assigned to a rep named XXXX and gave me his phone number. 

On XX/XX/2021 Avant card closed the dispute and posted the funds into the card in the amount of {$290.00}. I went to use my card and it was declined so I call them and they inform me that my card is locked. No one can give me reason why or I have spoken to over 7 managers in XXXX alone. 

I received a phone call on XX/XX/2021 at XXXX XXXX  from a manager named XXXX after pleading with a rep to please have a manager call me because they stated their was no managers available to take my call. 
She informed me in the next 2 business days my card would be guaranteed to be unlocked " perfect '' I replied. 

We are now on XX/XX/2021 and my card is still locked I tried doing a purchase and again declined at this point I do not know what is going on and I am not getting correct answers from anyone in that company. 

Please help me correct this issue with this company it has been well more than allotted time that is mandated. 

I have attached 5 pictures from the beginning of when it happened then, when they posted the funds back on the account and, then the following of them having the card locked. I did include payments and still outgoing payment promised to them on autopay without me even be able to use my card. 
You will also find the incoming call from the rep XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
Paypal is the company. They market work with small businesses to help with there ecomerce website but it's a lie. They own a monopoly in the payment ecomerce website world and XXXX and other companies have a monopoly with using payment transactions for an online website. They should immediately accept my application for my ecomerce website to integrate paypal as a payment system. How are any small companies supposed to strive if big corporations like XXXX and paypal won't even give a small company a chance. Filing a complaint on paypal. Accept payouts API application immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: SANTANDER HOLDINGS USA, 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 response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : 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 2021-12-20
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
Spoke to a customer service representative on XX/XX/20 about removing hard inquiries that were unauthorized/put on my account without my knowledge or permission. They argued they cant remove it. Not satisfied as a customer as they should be willing to remove inquiries that the consumer knows nothing about.

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: Yamaha Motor Finance Corporation USA
State: MD
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:
Back in XXXX of 2020 I contacted Yamaha Motor Finance Corp USA to inquire if they could extend me any payment deferrals on my account due to the COVID-19 impact on my employment. The customer Service Rep. verbally granted me a 60 day extension. 
A few months later I discovered that Yamaha had been reporting me late to all 3 credit Bureaus. At that point I contacted Yamaha again asking what was going on. They replied that the customer service rep failed to inform me that I needed to sign and submit a Disaster Relief Modification Agreement, which by the way I never received in the mail, for the 60 day extension to be valid. They said if I signed one at that time they would be able to apply it towards the missed payments and remove the late status from the credit Bureaus. I signed and forwarded the form to them and after that I have spoken to several Yamaha Customer Service Managers which are extremely difficult to get in touch with as they refuse to provide a direct phone Line, email address or direct contact to the credit department. Bottom line I have exhausted all efforts to get them to correct their mistake that impacts my credit score and even though I continue to pay my Bill every month they keep moving that modification forward instead of applying it back to XX/XX/2020. Beware of that company. It is also interesting that they have a Loan Servicing company that apparently are the only people the consumer can talk too and when it comes to the Credit Bureaus all three of them have a completely different address for Yamaha Motor Finance for contact and when you try them they send you back to the Servicer company so the run around never ends.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I have been dealing with this issue with Equifax since XX/XX/2017. Equifax refuses to delete and remove these fraudulent accounts from my credit report. I have sent police reports and filed several disputes with Equifax. Equifax is breaking the law by not thoroughly investigating and deleting these fraudulent accounts. Equifax uses XXXX system to investigate these issues and they are not contacting these creditors. I did not open any of the following accounts below. Please delete and remove within four days : 1. XXXX Account # : XXXX 2.  XXXX XXXX XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: OR
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 recently reviewed a copy of my credit report in Experian. It indicated that the credit inquiries were made by the credit companies listed below. However, these inquiries were not authorized by me. Therefore, I am writing to dispute these inquiries and have it removed from my credit report. In accordance with the Fair Credit Reporting Act. I respectfully ask you to investigate my claim and, if, after your investigation, you find my claim to be valid and accurate. I ask that you immediately delete the unauthorized Inquiries. 

XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX OF XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/202XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX Inquired on XX/XX/2022 XXXX XXXXXXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX CO XXXX XXXX XX/XX/2022 XXXX XXXX XXXX CO XXXX XXXX XX/XX/2022 XXXX XXXX XXXX CO XXXX XXXX XX/XX/2022 XXXX XXXX XXXX CO XXXX XXXX XX/XX/2022 2022

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 2023-05-17
Company: EQUIFAX, INC.
State: LA
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-06
Company: OneMain Finance Corporation
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received an email from One main financial stating that I could pre-qualify for a loan and that it would not affect my credit score in any way I then proceeded to submit the last XXXX of my social to see if I pre-qualified at that time it said that I did not. This happened on XX/XX/XXXX around XXXXXXXX XXXX. I then received an email from XXXX stating that they had done a hard inquiry on my XXXX XXXX from One main financial, who told me that it would not affect my XXXX XXXX in any way. I would like to have this resolved because they did lie when in fact they did check my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was provided inaccurate information ( lied to ) and told that Rocket Mortgage has a product to buy a house of $ XXXX with an LTV of 80 %. Based on that I gave permission to pull my credit. However, after pulling my credit the same mortgage broker said for $ XXXX we need a LTV of 75 %. 

The brokers name is XXXX XXXX of Rocket Mortgage. 

My family will have no house to live in and my credit score were hurt by this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 GRANT MERCANTILE AGE added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and charged off and i am no longer responsible for the account. debtor creditor did not verify this account. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA GRANT MERCANTILE AGE has violated my rights as a consumer and i'm requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: AL
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:
Unlawful activity was reported on my credit report cause me to not have credit incorrect information was reported an Equifax by XXXX XXXX an XXXX XXXX uptain debt from me that I have no knowledge sents XXXX never have no knowledge about any account Equifax allow them report this on my credit report I requested that XXXX  XXXX an XXXX XXXX should be removed from my credit report due to cause me to suffer from bad credit they should be removed off my credit report XXXX not who reported this incorrect information reported me deceased illegally state someone reported me deceased I should half to go through this data breach I was exposed never received my settlement check from Equifax lease remove them off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On or about XX/XX/2021, I called to activate a debit card recently sent to me by my bank. Since banks and investigators are seemingly letting this problem run rampant, this process of cancelling one debit card or account to receive another has become a punishment myself and other bank clients have to quite frequently go through. And each time I have to complete this action of cancelling my business debit card because my account was compromised, I never have my EIN available, so I have to verify that I am the authorized user in some other way besides this, and normally this is not a problem. However this time when I called, I was treated in such a way where I could conduct no business, and I do not think I or anyone deserves such treatment, especially in such an unprecedented era such as this, and especially on XXXX, a day of " goodwill toward men. '' If the criminals in these investigations are never going to be brought to justice, I see no reason why banking customer service representatives need to be rude, condescending and almost disrespectful to clients who are simply in need of the help that they are not only supposed to be given, but are in fact paying for through the myriad of fees we as clients have to endure, even in the hardest of times. When I called XXXX and spoke to " XXXX '' and his supervisor " XXXX '' ( or " XXXX '' ), they were so discourteous and rude, that a normally routine conversation was untenable and nauseating to the point where I felt soiled after speaking to them. If " customer service representative '' is going to be their official job description, then in order to correct this situation and see to it that no other clients feel as disrespected as I did, I propose that these representatives simply learn the definition of their employment title, if they are in fact happy about HAVING employment. " Customer service '' means you are there to respectfully and courteously take care of my needs, the client. " Representative '' means that while on the phone with me, your client, you are the voice of your company. If going back to reflect on the call that I made to " XXXX '' and " XXXX, '' I do not believe that the unpleasantness that they displayed on a recorded line " for quality and training purposes and customer assurance '' puts a good face on the company that I and thousands are clients of, and perhaps if they know the definition of their employment title, there will be no excuse the next time they fall short in customer service excellence. But hopefully there will not be a next time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXXXXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have two issues. Inherited my home from my Mom in XXXX when she passed. Soon after the death I became gravely ill and the house was mold infested. XXXX XXXX hit and I was effected.severly by it'.My inherited home currently in foreclosure and Wells Fargo says it no longer can help me.. I want to keep my home. I am XXXX. 

The second issue I had is regarding my father I. Which I am executor of the estate of both my parents. XXXX around XXXX, XXXX Wells Fargo repossessed my father car after theXXXX  dealership swindled him out of his XXXX XXXX XXXX that had only XXXX original miles on it... Then repossessed his car claiming he was too old. All while Wells Fargo knew he had a savings account at Wells Fargo with nearly XXXX XXXX dollars in. It.. wit regular banking habits

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Experian Information Solutions 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:
For 4 years I have asked Experian for a copy of the permissible permission used by XXXX XXXX XXXX XXXX to access my credit report. I receive the same duplicate replies You are requesting Experian provide you a copy of the permissible purpose. At your request to conduct a reinvestigation, we contacted the data furnisher for the account you mention and asked them to verify the accuracy of the information with which you disagree. They responded and they updated aspects of the account. The result summary was sent to you on XX/XX/2021 for review. 
3 Problems with Experians reply. 1 ) I have yet to receive a copy of the permissible permission. 2 ) I have yet to receive summary of any updates from data furnisher. 3 ) Sending to XXXX XXXX XXXX XXXX is Experian passing the buck because XXXX XXXX XXXX XXXX just denies everything and calls everything duplicate complaint

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