BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-15
Company: Fair Financial Corp.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I would never go back on the fair I had so many problems with that company stole {$700.00} from me it was very difficult to go back into the app to pay the car note it was so many errors hit speed bump all the time then try to get insurance with them insurance company told me this car was registered to a business XXXX  XXXX stay away from this company you still like your money or your credit I'm going in for a XXXX page on this almost lost my license for life because the police told me it was no insurance on the car XXXX  told me that I have full coverage insurance on the car that was a lie

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DEBT COLLECTORS ARE HARRASSING ME OVER AN ACCOUNT I DONT KNOW HISTORY OF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: AR
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:
I HAVE REACHED OUT TO XXXX XXXX XXXX ABOUT A LATE PAYMENT ON ACCOUNT NUMBER XXXX. THEY TOLD ME THEY HAVE UPDATED THIS MATTER, BUT HAS FAIL TO UPDATE THIS ON MY CONSUMER REPORT AS I AM PREPARING TO BUY A HOME. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT XXXX HAS VIOLATED MY RIGHTS.

15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 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 2019-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
TransUnion is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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 2023-08-26
Company: Experian Information Solutions Inc.
State: LA
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:
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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2023-01-13
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a call from XXXX ( XXXX ) XXXX XXXX. A lady asked if I hear her well an I said yes. Immediately after my answer, a message started claiming that Chase credit card has been trying to reach me regarding my account several times. I hang up and called the number back but a man answered me with hello only. I asked why I received a call from that number he hung up immediately. And then they called me at XXXX XXXX  after that. 
Please investigate that. number. 
Please know that I don't have any business accounts with Chase not so ever. I never opened or tried to open an account with Chase in any form. I don't have a Chase credit card, nor a Chase debit card. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They have 14 different alleged accounts listed on my credit reports Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. 
Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear Sir/Madam, I hope this letter finds you well. I am writing to express my deep concern and dissatisfaction regarding the permanent limitation placed on my PayPal account, which is associated with the email address XXXX. I believe that this limitation has been imposed on my account due to a mistake or misunderstanding, and I kindly request that PayPal re-investigate my case in order to rectify this situation. 

Firstly, I would like to emphasize that I have not violated any PayPal policies or engaged in any activities that are in contravention of the terms and conditions outlined by PayPal. I have always been diligent in adhering to PayPal 's guidelines, and I have used the platform responsibly for both personal and professional purposes. 

I firmly believe that there has been an error in the assessment of my account, leading to the unjust imposition of this permanent limitation. I have reviewed my account history thoroughly, and I have not identified any suspicious or unauthorized transactions that would warrant such a severe action. Therefore, I kindly request that PayPal conducts a thorough re-evaluation of my account activity to uncover any potential misunderstandings or errors that may have contributed to this decision.

It is of utmost importance to me to have my PayPal account restored, as it plays a significant role in facilitating my financial transactions and XXXX XXXX activities. The services provided by PayPal have proven to be invaluable in enabling me to conduct secure and efficient transactions with customers and vendors alike. The permanent limitation on my account severely hampers my ability to continue my business operations smoothly and efficiently.

In light of the aforementioned points, I respectfully appeal to PayPal to reconsider their decision and undertake a diligent review of my case. I sincerely request that you investigate my account thoroughly, taking into consideration my long-standing history as a responsible and compliant PayPal user XXXX If any mistakes or misunderstandings are identified, I kindly ask that you rectify them promptly and reinstate my PayPal account to its full functionality. 

I have always appreciated the convenience and reliability offered by PayPal, and I am confident that this matter can be resolved through a fair and just re-evaluation of my account. I sincerely hope that you will give due consideration to my appeal and swiftly respond with a positive resolution. 

Thank you for your attention to this matter. I eagerly await your prompt response. 

Yours faithfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
After sending in several dispute letters via USPS certified mail to TransUnion, they have failed to legally investigate and delete several inaccurate accounts on my consumer report. They are willfully furnishing this inaccurate information which damages my credit reputation thereby stopping me from obtaining credit. They have ignored my direct correspondence and attempts to resolve this issue directly. I have attached my Affidavit and other dispute letters I recently sent to TransUnion in the past. All these documents have been sent directly to TransUnion in the past 120 days and they have ignored them all. All my previous documents and Affidavit clearly show how TransUnion is in direct violation of the Fair Credit Reporting Act 15 USC 1681i ( 5 ) by reporting inaccurate information. Unless TransUnion takes immediate action, I will be taking legal action against them with the help of my State Attorney General and the FTC.

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 2019-04-26
Company: TD BANK US HOLDING COMPANY
State: CT
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:
Last month my heart sank when I looked at my credit report and found out that my score had plummeted from between 825 to 840 to just above 600. After some investigating, I found out that TD Bank had reported me delinquent on something. I say " something '' because to date neither myself or TD Bank can tell me why this report was made, how to correct it or what department to contact. One agent even told me TD Bank owes me money!. I have spent hours on the phone trying to contact credit reporting agencies and TD Bank but the pain persists. Strangely enough, the negative mark went from a loss (? ) to being late and my credit went up but again but only to XXXX as there is still a negative mark where again, NO ONE CAN TELL ME WHAT ACCOUNT, WHY, WHEN or HOW TO CORRECT IT. I have written every one I can think of and can not get this corrected. I looked online and saw at least hundreds of others experiencing the same circular XXXX involving TD Bank even see a report of them settling a class action suit in 2016 involving ruining innocent consumers credit and am wondering how they can be allowed to reap so much ruin on consumers with impunity? 

Any help will be greatly appreciated!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: EQUIFAX, INC.
State: IL
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:
There are several accounts on my credit report that do not belong to me. As of XX/XX/2023 their online dispute platform seems to be broken and can not be used to file a dispute. For this reason, I'm hoping CFPB could step in and help to open up communications with the credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I had credit card in my possession. 
transaction denied because they said chip card technology used and can not be counterfeited. 
Obviously I cant be in another state and make any of these transactions on XXXX XXXX. 
they have been able to make charges using my information. I did not give the card to anyone to use. Their fraud department needs to do more research on how somebody made charges in another state using my information. 
this was the same reason wells fargo gave me. 
it is obvious there is a security problem because I had my cards in my possession. 
Please help. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Per Venmo online FAQs, to close an account, you access your account go to settings then choose a link that says " Close my Venmo Account. '' I have tried this numerous times over the past month from various devices connected to high speed internet. All that happens is a " loading screen '' pops up. It never actually loads, so I can't actually close my account and have my banking information removed from this service. I have no outstanding transactions and I no longer wish for my information to be on the internet. 

I used the Venmo " Contact Us '' page to email a description of my problem. I got response from ( presumably ) a robot telling me how to delete the app and reinstall it, which is useless, as per Venmo FAQs, one can not delete an account from the app, only from the desktop browser. 

I replied to that response, clarifying that I had followed the Venmo instructions regarding how to close an account but have been unable to close my account. I clarified that information about the app is not helpful and the real problem is the broken link on the website. 

The Venmo rponse to my reply was to again send me instructions to go to my account, settings and choose the link the close my account. There seems to be a willful failure to address the issue, which still exists because I can not close my account. This also does not seem to be something that would be broken only for me. It seems they have disabled the ability to close an Venmo account, in violation of their own terms of service, and surely some law as well. 

I just want to close my account and scrub my banking information from their servers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: Experian Information Solutions 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: 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX PAYMENTS XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX DIRECT XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX AUTO XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 recently written to the credit bureaus twice regarding their investigation into certain accounts that are reflecting inaccurately on my credit report. Despite my repeated requests, the credit bureaus have failed to provide supporting documentation or respond to my disputes in a timely manner. 

As per the FCRA, credit bureaus are required to conduct a reasonable investigation when a consumer disputes the accuracy of information on their credit report. If the credit bureaus are unable to verify the accuracy of the information, they must remove it from the consumer 's credit report. 

In my case, the credit bureaus have not provided any supporting documentation such as a contract, ID, signature, or any other evidence to support the accuracy of the information on my credit report. Furthermore, it has been over 30 days since my last written dispute and the inaccuracies still reflect on my credit report. 

I am writing to request that the Consumer Financial Protection Bureau take immediate action to ensure that the credit bureaus comply with the FCRA and remove the inaccuracies from my credit report. If the credit bureaus continue to violate the FCRA, I will have no choice but to move forward with civil action to protect my rights as a consumer. 

I appreciate your time and attention to this matter and look forward to your prompt resolution of this issue. Please let me know if you need any additional information or documentation from my side.

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 2021-06-30
Company: EQUIFAX, INC.
State: IL
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 been sending in numerous complaints because the credit bureaus are violating our rights as consumers. They are damaging our credit by updating things and doing what they want to do. There are numerous student loans on my report with inaccurate information. I sent in a letter, which I will attach, advising them of this and asked them to deleted the incorrect information. Instead, they responded they updated the account and the information is still totally wrong. If they do not have any documentation in their files to verify the accuracy of these disputed accounts then they are suppose delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). This is a total violation of the FCRA and I am reporting this to the States Attorney office as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRUIST FINANCIAL CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2018, my wife and I got a mortgage from XXXX XXXX to purchase our first home. At this time we set up auto-pay and have NEVER had a single late payment. We have worked for the last 10 years to earn a credit score over 800. A couple months ago I was shocked to see my personal finance software produce a XXXX estimated credit score on their credit estimator tool. My wife and I never pay late, we set up everything on autopay, and were not aware of any issues that would cause this. 

As I began digging and calling credit agencies I was told that " Truist '' was the source of the negative mark, which made no sense to me as I have never done business with Truist. As I dug through my bank accounts, and called Truist I finally pieced together what happened. My mortgage was somehow purchased by Truist without my knowledge. I was still on auto-pay with XXXX XXXX, and nothing looked off until the refunded payments after I'd paid them months later. As I have finally been able to talk with someone from Truist, they described to me what addresses and phone numbers were called, all of which were incorrect. Documentation was mailed to XXXX XXXX XXXX ( the home the mortgage is for ) but we never received it as it is being sold and has been unoccupied. I now have updated all information with Truist to be current and accurate, but the damage of the negative mark had already been done. I tried doing the phone based " credit dispute '' with Truist but just received a letter that it was declined, which baffled me as no one even got any information about what happened, they just declined it without getting any additional info. 

I spoke with a Truist agent on the phone that said to use Truist 's online form so that I can actually include the details of what happened and said that " this certainly meets the criteria for a credit dispute approval ''. I have now tried to submit this 3 times and each time no one responds. A month later I receive an automated letter in the mail that they are unable to correct their mistake. This is inexcusable. This is now causing us financial hardship as we prepare to use our credit and it is showing much lower than it should.

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