BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-13
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2022, I was purchasing a software product and the vendor only accepted PayPal. Paypal does not allow a guest option, so I was FORCED to open an account to complete the transaction. I tried to close the account and remove my XXXX XXXX card from their system. They have " locked '' the account until I upload my drivers license AND a copy of my XXXX XXXX Statement, then they will unlock the account and allow me to remove the card and cancel the account. 

I consider this being held hostage. I did not want and do not want a PayPal account. I have brought this to their attention and the only response is them FORCING me to upload identity documents to cancel the account. The vendor received their payment.

I do not understand why 1. I was forced to open the account and 2. Why can't I close it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14
Company: PNC Bank N.A.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There was an application I was thinking about submitting with PNC bank. The submit button was not hit by me as with further research, I found that PNC has poor products and rates. Some how the application went through. I called PNC and they would not start a dispute of credit inquiry, also would not tell me which credit bureau they used when accidentally application went through. I want this inquiry stricken off my credit report as it was not my intention to apply. The bank is confused and answers no questions, transfers to other departments without resolution. This again was not my intent to apply with them, I want the inquiry taken off my report. It happened on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
i received a discover credit card that replaces my old one.

I'm not sure if this is a problem, the new one doesn't have the hologram on the back of the card. My old one does. This is a red flag for me because all of my credit cards have holograms on the back. And all of my moms and friends cards have holograms. I called discover and even used the chat function on discover website and I wasn't given a definitive answer. Stuff like some cards don't have the hologram on the back. I'm not sure why they would get rid of a feature like this that helps consumers identify fake cards. I am not sure what to do. Looks like my old card except for the hologram and new security code. There is no information on the discover website that helps me with pictures of a card, or information on holograms. I'm not sure what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: LEXISNEXIS
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 previously disputed these items with LexisNexis [ Bankruptcy Case # XXXX, XXXX, & XXXX ] and in response you verified the items are accurate, stating that you have verified the information with the U.S. Bankruptcy Court via PACER.

I contacted the courts directly, and their response is enclosed. It is clear they DO NOT report to you or to any credit bureau for that matter ; therefore, your original response verifying the items with the court was either an error or a lie. Either way, the reporting requirements DO NOT comply with FCRA 611 ( 15 U.S.C. 1681I ) and the items in dispute on my credit report must be deleted immediately. ( Reference page # 7 & 8 ) In contradiction, you ( LexisNexis ) stated .... reported to LexisNexis by the nationwide consumer reporting agencies. ( Reference page # 3 ) On the other hand, I have numerous credit reports stating from the nationwide consumer reporting agencies that all public information was obtained through a third-party vendor, LexisNexis. ( Reference page # 5 ) Moreover, my name, address, and full social security number should NOT have been shared with any third party due to the security freeze I have and had on my credit files with a PIN from each credit bureau and your company LexisNexis.

Enclosed are copies of ( highlighted ) documents supporting my position.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: NY
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX Collections Account number : XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
State: AR
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX  Balance Owed : {$55.00} ; XXXX XXXXXXXX Balance Owed : {$74000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
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: Account information incorrect

Complaint:
I noticed this account by Columbia Debt Recovery or Genesis Credit Management. I read according to the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. I have never heard of this company and have not signed a contracts or documents with this company which made me file a complaint. The price from the email and what's being reported don't match. The business names don't match. As stated previously no documents have Columbia Debt Recovery or Genesis credit management anything on them. As well as a signature on paperwork looks forged, copied, or unrecognizable. By 15 U.S.C. Sec. 1681i ( a )? I heard that if they cant provide proof, of actual validation of debt or actual documents from Columbia Debt Recovery or Genesis Credit Management these accounts must be deleted. 
Please investigate the following account and remove them if anything is missing or not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
The company, Equifax, never responds to calls, has no provision to contest statements such as the following on their website ;. 
Equifax is reporting the following errors ; 1. Serious delinquency - I notified XXXX XXXX regarding covid relief last year with automatic payments during the months XXXX, XXXX, XX/XX/2020 are showing up late ... Equifax is still reporting this which is not valid, listing it as a 'serious delinquency. ' 2. Equifax is reporting I have high loan balances ... not true. Equifax states the remaining balance on my mortgage is 'relatively high ' ... .that is an opinion, not based in fact. I have a balance of XXXX XXXXXXXX on my mortgage paid down from XXXX XXXXXXXX ... XXXX XXXXXXXX in Connecticut for a 4 bedroom colonial home is NOT high. 
3. Equifax is reporting too many accounts with high balances - NOT true. I have two credit cards with a combined credit limit of XXXX XXXXXXXX, and owe {$1500.00} on average ... that is NOT high. I have a student loan for my XXXX, which is XXXX XXXXXXXX and hasn't even started yet ... that's it ... that is not " too many ''! 
4. Equifax reports " High Credit Usage '' - how can that be? my revolving credit is as I stated in 3, XXXX XXXXXXXX with a balance of just {$1500.00}!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX is committing securities fraud and will not credit my account. I was sent a payment coupon/security by XXXX XXXX XXXX I endorsed the security/coupon for deposit into my XXXX XXXX account for deposit and XXXX XXXX XXXX reuses to follow instructions and deposit the security/coupon, according to UCC Article 9. XXXX XXXX XXXX is making a fraudulent claim that I owe them for a debt that I discharged with a Form 1099-C that I sent to their CFO two months ago. XXXX XXXX XXXX remains to report fraudulent information to Experian and XXXX Credit Bureaus, and this is against the consumer protection laws. According to the bookkeeping entries of XXXX XXXX XXXX involved in the extension of credit, did XXXX XXXX XXXX lend their credit as adequate consideration in the credit agreement or contracts? Yes or No? Did XXXX XXXX XXXX follow generally accepted accounting principles, XXXX? Yes or No? XXXX XXXX XXXX is making false statements and damaging my credit worthiness for no reason. I demand XXXX XXXX provide where the extension of credit that they claim I owe comes from? I reserve my rights under UCC 1-308. According to Chap. 48, 48 Stat. 112 the debt they claim I owe is already satisfied.

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 2022-02-17
Company: American Coradius International LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a letter in the mail from American Coradius International LLC. 
It says I owe {$910.00} It says the creditor is XXXX. 
It gave some long weird acct number This is definitely false. 
The address is XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NY XXXX Phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I HAVE NEW UPDATED INFORMATION!!! 

I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF YOU NEED MY AUTHORIZATION TO PROCEED, YOU HAVE MY AUTHORIZATION TO PROCEED. 

I, XXXX XXXX, consumer, natural person and original creditor of an open-end credit plan, submitted a dispute to EXPERIAN and they stated that they've " verified '' that the items I disputed are being " reported correctly ''. I reached out to EXPERIAN for the details of the investigation that they did to verify this account. This is my third request and I have not received any proof of details showing that they've done an investigation. I filed my complaint about this and each time I try to receive a response from EXPERIAN concerning this matter, they state that they need authorization to proceed with the complaint. In my opening statement of the complaint, I state my name and state that I'm submitting this complaint myself and that there's no third party involved, and if they need my authorization to proceed with the complaint, then they have my authorization to proceed with the complaint, yet they continue to ignore my complaint as a stall tactic. I requested a description of the procedures used to determine the accuracy and completeness of the information reporting to my credit file through CFPB complaint numbers XXXX, XXXX, XXXX, XXXX and this time through certified mail # : XXXX XXXX  XXXX XXXX XXXX. It is my belief that no such records exist and my right to privacy has been violated for profit. My financial reputation is being ruined due to EXPERIAN 's blatant disregard for federal law. It is my belief that EXPERIAN feels comfortable committing blatant violations of the FCRA because they know the CFPB won't enforce the laws set forth by congress as shown time and time again. EXPERIAN has caused me stress, marital issues, sleepless nights, and XXXX due to its profits over the law mentality. Pursuant to 15 U.S.C. 1681i ( 5 ) ( A ), if any reinvestigation of any information disputed by a consumer is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. I reached out to EXPERIAN for the details of the investigation that they did to verify this account. It was well over 15 days and they hadn't replied to the complaint. They later responded that they will send it in the mail. I preferred to receive their response through the CFPB portal because I know that they've told me before that they would provide a response through the mail and it was not what I thought it would be.

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 2023-10-31
Company: Experian Information Solutions Inc.
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:
I appreciate you making an effort to remove and repair some of the data on my credit report, but there are still items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed or omitted as soon as possible. 
XXXXXXXX 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 explanation
Consumer complaint received 2023-09-22
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX I received a call that went to voicemail saying : This is an urgent message intended for my name is XXXX contacting you in regards to a complaint scheduled to be filed out of XXXX XXXX if you will not be available receive and sign for documents or if you are unaware of anything pending, it is urgent that you contact us back, at XXXX with reference number, requires immediate attention or we will be forced to move forward without her participation. 

I called back and they said they are calling on behalf of a creditor for a previous car loan back in XXXX. Saying I owe {$6400.00} I ask them for what vehicle because I did not have a vehicle solely in my name for 12 plus years and since been divorced from my ex husband. They said they will not give me the year make and model of he vehicle so I can be sure that the account or money owed is actually my debt and to get this information I would have to subpoena them for validation of debt and by that time I would already be sued by them and they will add an addition {$1500.00} in court because they rather get extra money than to give me all the info over the phone to prove to me that the debt belongs to me. I am unfamiliar with any of this information they provided. They claim they sent a letter I never received and now they are forced to move forward with suing me. I asked them for some type of documentation to understand what was going on but they only agreed to send me and email with a document. I asked them how long I have to respond and they gave me 48 hrs. I received the email but there is no address. I called back to get the address and the address they gave me doesn't contain any information regarding their name XXXX XXXX XXXX XXXX. I tried to reverse lookup the number and im only getting a website saying other people were called with the same issue by this number. Also, when I called the number there is no name or anything just a generic the person you have called is unavailable please leave a message. I called back and then got a guy who wouldn't tell me what all this was about. I call back again Then I got a girl named XXXX XXXX who says she has an assistant named XXXX XXXX who sent me the email. I voiced I was concerned that this was a scam and that I would like to make sure that the debt belongs to me. And she said the email was all they could send, and only when I'm sued and summoned to court will I get all of the information regarding the debt. Also Im concerned because I live in XXXX  and any debts I have is only from my previous residency in 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 2022-10-30
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
XXXX HAS THE NERVE TO SEND ME A LETTER SAYING UNLESS YOU SEND US ADDITIONAL RELEVANT INFORMATION TO SUPPORT YOUR CLAIM WE WILL NOT REINVESTIGATE THIS INFORMATION AGAIN!!!!? THE NERVE REALLY!! HOW ABOUT STOP WASTING MY TIME AND MAKE IT RIGHT!!! 

ATTACHED IS MY CREDIT REPORT THAT THEY'RE SAYING IS SOOO ACCURATE!! GIVE ME A BREAK!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
XXXX HAS THE NERVE TO SEND ME A LETTER SAYING UNLESS YOU SEND US ADDITIONAL RELEVANT INFORMATION TO SUPPORT YOUR CLAIM WE WILL NOT REINVESTIGATE THIS INFORMATION AGAIN!!!!? THE NERVE REALLY!! HOW ABOUT STOP WASTING MY TIME AND MAKE IT RIGHT!!! 

ATTACHED IS MY CREDIT REPORT THAT THEY'RE SAYING IS SOOO ACCURATE!! GIVE ME A BREAK!!

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 2021-05-14
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:
My personal information is incorrect with XXXX, TransUnion, and XXXX. They all have inaccurate personal information on my credit 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 2023-06-21
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
sent a notice to rescind the contract on XX/XX/2023 and it also came with a cease and desist. The contract 's full disclosure was not given to me and the contract was made fraudulent by the car dealership. I did not receive any notice saying that my car will be repossessed and my car was stolen from private property on XX/XX/2023. The bank is acting like they gave me the loan but was only the intermediary of the secured transaction.

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 2023-02-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Back in 2016 Wells Fargo tried to foreclose on our home even though we repeatedly tried to make the payment. They actually even returned one of our payments too. They then tried to foreclose on our home. This caused us to have file a XXXX  XXXX Bankruptcy, so we wouldnt lose our home.

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 2023-04-03
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  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

Company response to consumer: Closed with explanation