BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-18
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased a {$75.00} American Express Gift Card from XXXX yesterday for myself since I dont yet own a Debit card. So that means I spent {$80.00} on a pre-paid gift including the Activation fee. I went home and tried to spend my money at XXXX, XXXX, XXXX XXXX, XXXX. But nothing would work. Its really frustrating because I exclusively bought the gift card to use it on online purchases, but now XXXX cant even spend the money. I attempted to call the customer support number 3 times, they all told me that I couldnt spend it on specific stores since something about their policy. I asked if they knew a list or anything on where I could spend it and they told me that select online stores and some in person shops. Ive tried over and over to purchase something, but nothing would work. Also, nearly every time I tried to spend my money, it took away {$0.00} dollars from my total balance. Ive looked everywhere online and even tried to look for stores I could purchase stuff in, I really dont want to waste there {$75.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: NC
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, Dept of ED/XXXX  , has violated my rights. 

Account # 's 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Wont stop calling about a debt that was in 2017 should be off credit report. They keep XXXX me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: PENNYMAC LOAN SERVICES, LLC.
State: UT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
This is to notify PennyMac as well as XXXX that there is collusion between builder, title company, coordinated with legal. We received an auction notice contact the contact and he said that the second XXXX XXXX had already removed the foreclosure. It was a lie. There is a picture of one of the auction notices and contact info of who my wife talked to. 

We have been working through a loan remodification with PennyMac. ( Very helpful ) we had just made our first trial payment. We then received a notice for auction from a lawyer concerning our home. My wife contacted the individual on the notice and left a message. He called her back and she explained we were working with PennyMac on our first. He said that XXXX was the second but that they had already withdrawn their notice for auction. I spoke with PennyMac they said they had never received anything on or attempted a sale date. They said to ignore those complaints. We one the next month and agai I called. They said they had not received anything and not to worry. Then we got an eviction notice in the first of XXXX and now we have received a summons. Due in three days. We are currently in good standing with PennyMac and our modification as they were the first.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: Social Finance, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on thursday XX/XX/22 i received a phone call from XXXX of sofi bank. he told me that because my check had bounced and that i had previously tried to deposit other checks that was " suspicious '' and they were going to close my account. i was ok with that as i never used my sofi account to begin with. However i have {$500.00} frozen in there that i can not use. and he told me over the phone on thursday that on friday ( XX/XX/22 ) he would transfer the funds over to my XXXX account on file. He has not done that yet, my account is still frozen, and he has not returned my calls despite me leaving voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The continue to report information on my credit report that is not mine. ( Identity theft ). They responded to my request for validation as { account verified ) but did not send me any information verifying the debt. I requested an original contract or any information that they could send me proving that the account belonged to me, and not just bared my name. I am a victim of identity theft. They continue to report collection account that is not mine. I have sent them multiple requests to validate these accounts and send me verification of it, yet they choose not to. They send letters saying the debt has been verified by a collection agency as being mine, but IT IS NOT MINE. The collection agency is XXXX XXXX as well as 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 explanation
Consumer complaint received 2022-12-27
Company: EQUIFAX, 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:
I tried to apply for credit and learned that I was denied. After searching many channels to understand the reason for the denial, I learned that my information was leaked through the Equifax data Breach. I am not sure why has happened, and I should not have been denied credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, 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 have Fraudulent Accounts on my credit reports for XXXX, Equifax, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status 90 Days Late Past due amount {$360.00} Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge off Past due amount {$0.00} Unauthorized inquiries XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
HI, I'm unable to get into my transunion account because of my phone is off and i did verify my identity by phone and sent my ID 's and utility bill by email to transunion XXXX and they said they can't open it. I'm not sure however I always was put through the ringer for my account. I never got into my transunion account The credit card or bank account information supplied has been used on the site over our security allowance. In order to protect your privacy, use of this credit card or bank account number has been suspended. This security measure is taken to protect your personal data and credit card or bank account.

Thats is what is saying when i login i don't know what is going on.

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 2022-08-12
Company: EQUIFAX, 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:
in accordance with the Fair Credit Reporting act XXXX XXXX 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 2021-07-15
Company: Home Point Financial Corporation
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
First they told me I couldnt have a private flood insurance, so I got the recommended insurance and I paid out of pocket for ( did not come out of escrow ). A couple of days later the private insurance company contacted me ( by email ) and thanked me for renewing. I contacted the mortgage company and they told me it was their mistake, butI would have to get my money back from the private insurance myself. 
Then my regular home insurance contacted me ( by email ) letting me know that my current insurance expired on XX/XX/26. I again contacted the mortgage company and still to this day it has not been resolved, nor have I been contacted by them in anyway. Ive called and used their wecare form.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: Amsher Collection Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I changed my XXXX phone plan to a military plan and 6 months later, I received a bill that said I owed {$940.00}. When I paid my new plan I received a new phone. I was told all charges were taken care of and there was no additional charge by the sales person. I gave them my phone and received another one. Now, XXXX XXXX XXXX is threatening to ruin my credit. I have always paid my bill by automatic deduction and have never been late. I asked them to provide a copy of the contract and show me where I am in violation of the terms and why I was penalized. She was unable to provide. She checked the e-signature and said I never signed it. 

This is totally wrong ... I was told there was no additional charges as long as I received a new phone from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of id theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2023-09-15
Company: HW Holding, Inc
State: AR
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was trying to purchase a car at the end of last year and I seen a collection on my account for Hunter Warfield I proceeded to right them a letter asking for proof that I owned the debt because I didn't recognize it. Instead of sending a response all they sent me was a threat to sue for unpaid debt. I have been sending letters and have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
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: Was not notified of investigation status or results

Complaint:
I submitted XXXX IN XX/XX/22 Capital One confirmed receipt in XX/XX/22 Capital one continues to report late payments and it has affected my credit worthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-16
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:
I disputed some inquires on my credit file on  XX/XX/XXXX . There were  XXXX  total inquires I disputed, in about a 24 hour period Equifax sent confirmation that the investigation was complete and I could review the results. They responded by saying ; The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor.
<P/>
They, never initiated a true investigation, they just took the lazy way out and wanted me to do their job! To my understanding and research - if I dispute any item on my report they have to initiate an actual investigation - they should be able to provide documentation showing I authorized the inquiries to be made and also be able to provide a Verification from each source that this was investigated and verified. They are not following FCRA sections 609 or 623 - I will wait for a response, then if need I will also follow up with a complaint with CFPB on this matter.
<P/>
Equifax Report Confirmation #  XXXX  Inquires Disputed ; Leasing Desk - XX/XX/XXXX Equifax Mortgage Services - XX/XX/XXXX   XXXX  - XX/XX/XXXX   XXXX  - XX/XX/XXXX  *Actually, if they investigate they will see that  XXXX  do n't even offer service in my Area . * Respectfully,   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to file a formal complaint regarding a collection account labeled " XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX 

To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. 

The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX  that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-29
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Paypal froze my account out of the blue one day while I was traveling in XXXX. Id used it for booking rooms and XXXX  for approx. 2 weeks up to that point, and then suddenly XXXX, one morning I wake up in a foreign country with no ability to use my only payment option at the time. I used it the night before to book an XXXX, and then it was gone. They never told me why, although they told me they would tell me why. Ive sent emails, called, messaged them, all to no avail. I finally was able to speak to a human over the phone and he told me that I would recieve an email from them about rectifying my issue, but it would take approx. 5 weeks. Still nothing. I was under the impression that after 180 days had passed I would recieve instruction on how to get my money out of paypal, but nothing. I had cryptocurrency purchased and wanted to sell while it was up, but could not because of this issue. Now it has become a loss, and still I can not access my money. This is going on two years now. I feel they do this because memory becomes less clear after a time. How much money has paypal made by simply ignoring their customers for years? What a sham.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CT
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, XXXX XXXX, entered into a consumer credit transaction with TOYOTA FINANCIAL SERVICES which the account number is XXXX went into default and the debt was sold to a 3rd party debt collector. At the time, I didn't have an understanding of the laws under the FDCPA, TILA, and FCRA. As a consumer under these federal statues I am protected. Under FCRA 15 USC 1681 ( a ) " Accuracy and fairness of credit reporting. ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I have sent in multiple disputes to the 3 major " credit Bureaus '' ( XXXX XXXX, XXXX, and XXXX ) who congress has defined as a elaborate mechanism trying to get this situation resolved and this information removed and they response was ... ( see attached file ). In that letter you will see that i attempted to get this information removed and i quote " Our records reflect that you submitted the same dispute to us one or more times. '' TOYOTA FINANCE SERVICES said they investigated the situation but have not provided any proof of that investigation. I DEMAND that this information be removed IMMEDIATELY under 15 USC 1692e ( 8 ) " communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. '' I never gave TOYOTA FINANCIAL SERVICES or the elaborate mechanisms ( XXXX XXXX, XXXX, XXXX ) permission or consent to furnish this deceptive information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
State: NC
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 bankruptcies being listed on my credit report for almost a year. The courts have replied that they are not reporting or verifying these account with the credit bureaus nor anyone else but I keep getting responses that they are verified. Now they are going as far as stating they have been previously verified. This makes no sense because the response from the XXXX who XXXX stated they used for verification says they removed the XXXX XXXX  because it could not be verified. They are also stating that the information they use to verify is with a previous address associated with my name and the last 4 digits of my social security number. The problem is that the address in reference should have been removed from my do to its association with fraud and is not my address. These lack of compliance methods of verification are highly illegal. I have attached the response letter from my XXXX XXXX complaint for verification. What makes matters worst is that they are refusing to remove other accounts associated because they are stating that they are associated with a Bankruptcy that is not verifiable. This needs to be corrected immediately and not addressed in with stalling responses. 

There is also a 30 late payment that is clearly inaccurate that need to be removed from XXXX  ( XXXX XXXX XXXX ). I have requested it be updated to accurately reflect my history and they continue to respond verified. I know this is not true because I have a written record from XXXX confirming that they request that all the bureaus be updated to show paid in full/never late. I am attaching this letter as well.

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