BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-25
Company: FinCo Services Inc DBA Current
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX I attempted to place an online grocery order with XXXX when there was an error and a hold placed on my card for {$160.00} but the order/transaction was never processed when I went to try again with the correct time it said I had insufficient funds. I contacted both parties immediately. On Friday XX/XX/XXXX at XXXX a member of XXXX escalation team, XXXX released the hold for the funds of {$160.00}. I informed Current through chat and have been in contact with both entities multiple times. Current refuses to listen or escalate the issue. When I ask for a supervisor they refuse. They have apparently been telling customers for months that their phone lines are down. Current bank has told me they do not have my funds and to get a refund from XXXX. I have confirmed multiple times that there is no hold be XXXX nor an order to refund since it didnt go through. XXXX escalated me several times for this matter. I had to track down Current Banks issuing lender, XXXX XXXX at XXXX am today XX/XX/22, and call their customer service. The lady was kind enough to transfer my call to the current employee live where I was told two conflicting reasons, refused again to have any sort of escalation or help of any kind. I have multiple chat logs with both as well as calls back and forth with XXXX. I trust XXXX when they tell me they do not have my funds. I do not trust a bank that doesnt even allow customer calls had I known that I would never have joined Current bank. I dont want anyone else to have to go through this nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX  XXXX we chose to go in to forbearance, with the understanding that it would be for 6 months. At the XXXX month mark I started the process of getting back on track with the mortage. I did not receive a loan modification until XXXX XXXX  XXXX. The mortage company took that amount of time to get it together. Now I'm XXXX  XXXX dollars behind and the interest rate has tripled in the length of time it took them. Consequently the mortage payment is now XXXX more than the original payment.

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 2020-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XX/XX/2020, my credit score increased by 19 point ; however, on XX/XX/2020 my credit score decreased by more than 70 points. The account is current and the balanced decreased by {$1100.00}. I am confused as I am showing the account is current but in one section it is showing as 60-90 days delinquent. This account is current and should reflect the same. Additionally, there should not be such a steep decrease in my credit score if the balance decreased and is currentt.

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 2023-07-26
Company: U.S. BANCORP
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I am paid off my credit card with comerica and contacted them to close the account. A couple weeks later I called to confirm if the account was closed because it didnt appear to be on their app. She advised that the account was in the process of closing, and I inquired how long is the process. She advised it could take up to a year. I dont understand why it would take so long to close a credit card out that is in good standing and has not had any additional transactions on it.

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 2023-07-09
Company: Paypal Holdings, Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a paypal account holder. In XXXX of this year ( XXXX  ) there were a string of unauthorized charges made on paypal acounnt. When I saw the charges on my account I promptly reported them and have been working with paypal to resolve the issue since late XXXX. I had continued using my paypal account since then without issue. On XX/XX/XXXX paypal gave me provisional dispute credits for some of the disputed charges. I used my paypal account with no problem. Later on when I logged back into paypal I was informed that my account was " permanently restricted '', im not able to make any transactions using my paypal. I canot close my account or access the funds in my account for 180 ds days. I contacted paypal support and asked why my account had been " restricted '' I was told that they didn't know why, that someone in the back of the house made the decision and theres no way for me to contact this person or find out why the restrictions were placed on my account. I then asked if there was any way to get the remaining funds from my account and was told they were holding my money for 180days. I then asked to have my account closed and the balance of my account be sent to me. I was then told that I was unable to close an account with restrictions on it. So paypal has decided that they are gon na without explaination take my money and refuse to give me access to it for 6months. I don't belive that is right or legal. I want to either be able to access my funds through paypal immediately or want my account closed and the balance of my account sent to my adress immediatly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-25
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened an account with chase bank. When I opened my account I tries depositing checks into the account and the checks had came out of the persons account that they drafted out of. Chase has received the funds and is refusing to credit my account for the amount of the four checks which is XXXX. They have hung up on me after calling them to discuss the account after being placed on hold I was hung up on and never received a call back. I really don't understand how chase can just straight up steal my money from me. The checks cleared and where taken out of the person account they had been written from and this is beyond ridiculous and crazy that this can actually be happening I just dont understand or get it. Chase needs to resolve this issue immediately as to me this is theft and they have no right to just take my money when there has been nothing wrong done on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: EQUIFAX, INC.
State: AL
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.

The letters are stated with items and issues.

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 2023-07-09
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ
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:
This auto loan has been disputed multiple times to no avail. It shows as 120 days past due when it's been over 3 years since the last payment was made. This is a FCRA VIOLATION. I expect this to be removed from my CBR at once.

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 2020-06-08
Company: BARCLAYS BANK DELAWARE
State: MA
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 simply asked for a credit increase but first I wanted to pay off some debt and the ran my credit to soon

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 2023-07-26
Company: EQUIFAX, INC.
State: OH
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: Problem getting your free annual credit report

Complaint:
XXXX XXXX Written request to remove block/prompt Purposes showing. 
Also request XX/XX/2023 XX/XX/2023 to add my XXXX XXXX credit age account ending in XXXX for 7years/7 months to my report and credit age history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
Company: EQUIFAX, INC.
State: AL
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. 

The letters are stated with items and issues.

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 2022-10-29
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
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. 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, 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 2023-07-09
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
LoanCare servicing and I spoke on the phone in XXXX about needing to find a new insurance company. I indicated Id received a policy cancellation letter from XXXX XXXX XXXX and asked how much coverage I needed. They said they had received a bill, but would make a note in the account not to pay it. 

In XXXX they cut a check for XXXX XXXX XXXX from my escrow account after cutting a check for XXXX my new insurance provider. When I called they told me it was my problem and I needed to figure it out. 

I contacted XXXX in XXXX and they hadnt received anything. They reached back out to me when they received the check to send it back to LoanCare. I sent confirmation to LoanCare in XXXX that the check was coming via email and was told that they didnt care and were raising my mortgage rate for the next twelve months to cover the money they lost even though they should receive it by end of 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 2018-03-21
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
On XX/XX/XXXX, I received notification that my 2017 taxes were deposited in my bank. I contacted the company knowing I had requested a amex serve card but had not received information or a card. They informed me it was the amex serve card and to contact them. Since that day, I have spent 15 hours attempting to resolve the issue. I have been lied to by 22 agents and hung up on 6 times. While my funds are on this card I still do not have access to them not do I have a comfortable answer as to when these funds will be provided. As I fill this form out, I am on hold for the 6th time today ; current hold with no contact with an agent is 47 minutes. I have been blamed, hung up on, completely misinformed, they have made promises and I am still without funds or any idea as to when I will be sent them. I have been charged twice now as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: NC
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 sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Under 15 U.S Code 1602 ( p ) - unauthorized use of my information. Under 15 U.S Code 1692j - Furnishing certain deceptive forms i am not participating in the collection of this alleged debt. Please cease and desist! So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the Equifax data breach & may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09
Company: HEARTLAND PAYMENT SYSTEMS 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:
I attended XXXX university  school around XXXX. When i attended i used my XXXX XXXX XXXX to pay for school. However the school mislead me by telling me to take out a student loan so i could start school and in return my XXXX  would cover the cost as it should. I stopped attending because of a few issues. 1 this was during the pandemic and 1 class was canceled and 2 the scheduling of the class was wrong. I also apparently had a previous balance from attending XXXX college which now is XXXX university, I attended them back in XXXX for 1 month. Now from what i understand is when i started in XXXX, XXXX university  took my old balance and added it to a new student loan which i never consented to that. In total i owe {$7100.00} to which it states on my credit reports, the issue I have is that i already pay a debt to the US Dept of veterans affairs for the same amount because they paid the school as well as I was scammed into attending with no knowledge of an old balance. I strongly believe that I was taken advantage of due to me being a XXXX XXXX XXXX veteran. I have asked all 3 credit reporting agency 's to investigate as well as remove this fraudulent account on my reports. I have also reached out to XXXX and asked them to remove this and stop trying to collect on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to the Credit Bureaus today to inform the Credit Bureaus I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission. The accounts in question are as follows : 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 I can assure the Credit Bureaus that I did not open these accounts or authorize anyone else to do so on my behalf. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief