BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-09
Company: WELLS FARGO & COMPANY
State: MD
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 was going through my consumer report and realized I have two hard inquiries that I did not give permission from XXXX to allow third party corporations to access. In pursuant to 15usc1681b ( 1 ) XXXX must have a court order and XXXX must have written instructions by me the consumer in 15usc1681b ( 2 ). The two hard inquiries are XXXX XXXX XXXX XXXX and WF CRD SVC I did not give XXXX permission to allow this into my consumer report. XXXX allowed these two hard inquiries into my account to profit and considered me the consumer as a product. I want these two hard inquiries removed from my credit report as this is in violation of my privacy and in violation of congressional findings.

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 2023-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 contacted Capital One in writing regard a single late payment, which is the only late payment on my credit record, in XXXX of XXXX. I believe this late payment to be an error made by the mobile application. Capital One responded and said they are required to report accurate information, however I do not believe the information to be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: EQUIFAX, 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:
ftc violation accounts showing up on my credit that I have no knowledge of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Navient is impossible to contact, and very difficult to work with. Also, they constantly send me marketing materials trying to sell me stuff under the name XXXX. If I block those emails, then it blocks emails I need. This company is dreadful and I am fed-up with them. When I call, their automated system hangs up on me and it takes 4 or more tries to get in a cue that then takes another 45 minutes wait time to speak with someone. When I get someone, it is typically the wrong someone, with a bad connection, in XXXX, and I can not understand what they are saying. Disconnect and try again. I have spent countless hours trying to reach them to not get simple problems resolved. They 've already made one mistake and hurt my credit - which cost me on a mortgage loan that affects me for 30 years. I 'm sick of this company. I never signed on with them, but my loan was sold to them and now I have to spend way too much time dealing with a bunch of amateurs and not getting my problem solved. I previously submitted a complaint and they never contacted me. They did respond to the CFPB, claiming that they were unable to reach me, which is patently false. This just reinforced my suspicions above - this is not an organization that is interested in actually getting anything meaningful accomplished - they are a bunch of amateurs that are wandering aimlessly and randomly picking individuals to make their lives difficult. I DO NOT WANT TO DO BUSINESS WITH THIS ORGANIZATION ANY LONGER and I hope that the CFPB can offer a way out and recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: AES/PHEAA
State: MI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am a consumer of the United States Corporation. Fed Loan has violated my rights do to the FDCPA and the FCRA. I am the natural person therefore, i don't owe any alleged debt. Under the FCRA 15 usc 1681b - a consumer reporting agency can only furnish a consumer report with the WRITTEN permission of the consumer. This company has committed identity theft by furnishing this tho my consumer report. Also, in the FDCPA 15 usc 1692 ( g ) states that i am the original creditor. How can anyone try and collect a alleged debt if they are not the original creditor. I am demanding that you XXXX  out my balance. I dont owe any debt and i will not be paying an alleged debt. Therefore, i need you to stop reporting any alleged negative information to all consumer agencies and report positively on my consumer report every month with a XXXX balance. If you guys continue to do this i will pursue legal action. Attached to this complaint is a cease and desist, that was sent certified mail and green return slip on XX/XX/202.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Experian Information Solutions Inc.
State: WI
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:
For 6 weeks now, with documented proof, Experian has been manipulating my credit score, showing the available credit from XXXX to XXXX back and forth repeatedly, dropping my credit score significantly, additionally they are mis representing my current credit score purposely in retaliation for me making complaints about incorrect information on my report, they continue to keep accounts on the report that have been proven as fraud, I had fraud protection with them when these accounts opened and they refuse to satisfy the contractual obligations in regards to the fraud, XXXX card, was opened via online portal using my information, I sent a police report and had fraud alert added on my file and they still attribute the account to me, they have no signature with my name and nothing proving the debt is mine XXXX. XXXX XXXX auto XXXX, I challenged this on my credit and my XXXX XXXX remained the same throughout the investigation, furthermore, I asked for the contract and received a copy of it with a signature that said " XXXX XXXX '' I have repeatedly denied this being my auto loan, as it belonged to an ex girlfriend, I did not sign a contract or agree to a contract yet it remains on my credit report. 
XXXX. XXXX credit card, I had I card that was secured which I paid XXXX dollars for to build credit, they lied and manipulated my credit score repeatedly, I paid the card off and never received my XXXX dollars back, I closed the account in XXXX and it still shows up on my credit report with late payments into XXXX, I brought the bureaus up to speed on this and they refused to make any changes, I challenge companies information and the records stayed 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 2023-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I applied for a Balance Assist loan with Bank of America and I was denied. The reason for the denial was " one or more of your accounts has been included in a bankruptcy or we've received notification of your intent to file bankruptcy. '' I have never had an account with Bank of America discharged in a bankruptcy. In fact I've been a loyal customer with Bank of America since 2015. My daughter had a credit card with Bank of America that I was an authorized user on and she filed bankrutpcy. I should not be held liable for that. I do not have an intent to file bankruptcy so there is no way the company received this information about me.

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 2019-07-09
Company: HOVG, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I contacted Bay Area Credit services about settling my debt with XXXX XXXX XXXX. XXXX around XXXX of this year.I first offered monthly payments but they wanted nothing to do with it but settled on a one-time payment of around $ XXXX.So I gave them my debit card number and repeated back the confirmation number of payment they did not repeat it back but hung up on me. So feeling uneasy about this I canceled my payment and researched the company. I found out they were not on the up and up and more than likely a scam service. many complaints have been made against this company I do not trust them with my financial information whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
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:
XXXX XXXX has reportedly closed my account back in XX/XX/2022. They are still reporting missed payments on my account after they have closed my account. They also closed the account and increased the APR. They have caused damage to myself and my report by continuing to report alleged late payment after the account is closed. This seems to go against federal law. I have also sent in a remittance coupon that was attached to the statement that they did not accept but kept the coupon. They continue to send after I told them to cease and desist ALL contact. Everything was filled out on the remiitance coupon including my autograph on the back according to black law dictionary the coupon is legal tender. If its not accepted it should have been returned to me.I have asked multiple time for an audit of my alleged file but have never recieved this I would like to see the incoming and outgoing currency on this, no I am not speaking of a statement.

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 2022-02-02
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I recently received funds from a family member through XXXXXXXX XXXX  of {$60.00}. I routinely instantly transfer the funds from my XXXX XXXX  to my PNC Bank account including a fee. Today XX/XX/2022 at XXXX, I transferred {$59.00} into my PNC account. But yet I never saw the funds reflect, I called both XXXX XXXX XXXX team and PNC customer service dept. XXXX XXXX team verified all transfer steps stating that the status is cleared which means the funds were sent. PNC Bank associates claimed it may have been a glitch on their end and that is not acceptable. I was paying for food a moment ago before my card declined for no funds. Now PNC is launching an investigation to locate the funds. This has never happen before being quite strange knowing that I transfer money to my PNC Bank account all the time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-28
Company: TRANSWORLD SYSTEMS INC
State: DE
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:
After reviewing the credit report, there are a number of issues regarding the unfamiliar derogatory accounts on the credit file. Transworld systems/Inc 51 account XXXX has medical bills that are unfamiliar. Account has updated the status of XX/XX/XXXX, however, the date of service is different. Due to the LAWS of XXXX  institution offers financial assistance when patients experiencing hardship. XXXX XXXX XXXX received financial hardship forms regarding balance. When the follow-up appointment, i was informed debt was satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have written to Equifax several times pointing that there reporting on my credit report is inaccurate ... they are not showing who it is who is trying to collect debt. Equifax has failed to respond but continues to report this inaccurate and unverifiable information. See attached excerpt from the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
this is a garnishment from XX/XX/XXXX that was resolved as a fraud account i never received any court notice or judgment against unit now which is XX/XX/XXXX the judgment was filed XX/XX/XXXX the issue or matter was with XXXX XXXX  which is now XXXX XXXX XXXX and have no debt information in my name or associated with my social the debt collector asset acceptance has close my bank account for a debt that is 13 years old and is past the statue of limitation which in a fraud case is 3 years in the state of maryland the debt was not on my credit report or history

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I had made a purchase on XXXX. I need to file a dispute to this transaction because the seller posted a miss leading description of the item. Ive been trying to contact PayPal all weekend and still have not spoken to a single person yet. Theyre managing and controlling my money yet they make themselves inaccessible? How could you allow this to happen? PayPal is handling billions of dollars of other peoples money but they wont provide customer service. I contacted PayPal via telephone yesterday several times and each time it disconnected me and told me that a telephone agent was not available and to go through chat. I tried to chat feature. I sent my message they responded back many hours later. Obviously Im not gon na sit glued to my computer all day because PayPal wants to take advantage of its customers and not provide telephone support. I saw their response an hour after they made their comment and replied back. About 18 hours later I get my next response from PayPal. How the XXXX are they allowed to control my money without being regulated and they set the rules? How are they not forced by laws and regulations to provide telephone or face-to-face customer service even during COVID-19? Ill tell you exactly what PayPal is thinking The more difficult they make it for us to contact them when we have a problem means PayPal has to release if you were funds back to customers and doesnt get to keep as much for their own wallets. How can you allow this to happen?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2019-09-07
Company: PMAB,LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Credit Systems International, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an Alert on my Credit Monitoring Service on XX/XX/XXXX that my account was sent to collection for XXXX dollars from a XXXX XXXX and Credit Systems International Incorporation . In Texas Where I have never had a Residence. I contacted them as soon as the alert came through and spoke with a lady there who said if i believe this is fraudulent to file a dispute with my credit score provider otherwise there was nothing she could do. After Filing with XXXX  they said the lender confirmed it was my account, Which as I've stated I've lived and have only lived as an adult in Arizona.Then XXXX  said i could file a dispute with the FTC. So Here I am. I also have never received any Mail from this " collection agency or Energy company ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
FRAUDULENT COLLECTION ACCOUNT ON MY CREDIT REPORT I HAVE CONTACTED XXXX AND EQUIFAX AND XXXX XXXX XXXXXXXX XXXX Balance updated XX/XX/2021 Account number XXXX I DO NOT OWE ANY MONEY TO XXXX XXXX OR TO XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: SUNRISE CREDIT SERVICES, INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
contacting before XXXX and after XXXX multiple and person on phone was rude and disrespectful

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 2023-07-12
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to open up an account at the end of XXXX online, and the bank declined my request to open an account because of my credit score. So, I'm upset they ran my credit and now I have an inquiry request on my credit report. Plus, I'm going to be putting money in my account so why am I denied. I think this is discrimination because I don't have great credit. It's not like I'm asking for a credit card. This is definitely not fair. I guess this is how big corporations work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: OneMain Finance Corporation
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I applied for a loan to finance a vehicle from the beginning I explained I was working getting paid with a 1099 and they said it was ok and still run my credit score to come back around and say they needed a pay stubs or yearly tax showing my income when I had informed I hadn't been with the company for more than a year

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2019 and on XX/XX/2019 American Express is in violation of : the Privacy Act, the Banking Act, The Federal Consumer Credit Protection Act, the Fair and Accurate Credit Transactions Act, Federal Trade Commission Act, Health Insurance Portability and Accountability Act, by not sticking to the agreement of the credit limit of {$5000.00} and {$1000.00} in cash advance they discriminated against my father XXXX XXXX by discriminating against his age and XXXX and made fraudulent claims that they based their decision on with lowering his credit limit. The letter they sent claims that the balance was too high and that his credit history was bad and made many other false claims that his credit report clearly shows they are committing fraud discrimination and perjury. They are trying to force my father to disclose additional private information and holding his right of appeal to this discriminatory and retaliatory change hostage for this private information. They also have refused to lower the APR on the current credit balance, and have made claims that they can not lower it or even look into it. I demand a formal investigation into this criminal activity that is clearly a violation of the law. This is involving American Express Account ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Atlanticus Services Corporation
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: Account information incorrect

Complaint:
THIS COMPANY HAD CHARGED -OFF ONE OF MY ACCOUNTS BUT FAILED TO SEND ME A 1099-C FORM. ONCE THIS COMPANY LISTED THIS ACCOUNT AS A CHARGE OFF, THEY FAILED TO PROVIDE ME WITH A 1099-C FORM. THE XXXX  STATUTE OF LIMITATION ON THIS DEBT IS 4 YEARS STARTING FROM THE DATE OF MY LAST PAYMENT. THIS COMPANY NOT ONLY CONTINUED COLLECTING ON AN INVALID DEBT BUT SOLD THIS INVALID DEBT TO NUMEROUS CLLECTION AGENCIES WELL PAST THE STATUTE OF LIMITATION FOR COLLECTING ON THIS DEBT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: Diversified Consultants, 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 is missing that should be on the report

Complaint:
Received email from XXXX XXXX in regards of an Collection. Upon checking, this collection started XX/XX/2019 by diverfsified consultnts, based in XXXX Florida XXXX. XXXX. Collection remarks claims I owe {$320.00} from XXXX XXXX XXXX XXXX. Contact info following : DIVERSIFIED CONSULTNTS. XXXX XXXX XXXX XXXXXXXX. XXXX, FL XXXX XXXX. ( XXXX ) XXXX-XXXX. You get no response from calling the listed number on collection claim. When call a different number associated with DIVERSIFIED CONSULTNTS, I get same no response. My credit score is now negatively affected by XXXX XXXX collection error.

Company response to consumer: Closed with explanation