BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-05
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
US AUTO SALES SOLD ME A LEMON.. transferred to Westlake portfolio management .. vehicle was repossessed because payments and warranty was not sent over to company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Paypal Holdings, Inc
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX received 2 emails from PayPal about an invoice and 2nd email with this : " Your account shows an unauthorized charge for XXXX. Call us for details at + ( ). To canceled your invoice ''. I looked up PayPal phone # and call an illegitimate one by mistake. Gave info that was used to Create the fraud I'm reporting. I have another number I called also, speaking with a " XXXX '' for " PayPal '', who was the fraudster. As soon as I realized I was scammed I contract both PayPal correctly and XXXX XXXX to alert them and trying to disputed the pending transactions. They said there was nothing to be done until the transactions posted as they were still pending went through which happened sometime on XX/XX/22 or XX/XX/22. I call back to both PayPal and XXXX XXXX who told me there was nothing I could do because the transactions went through.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-01
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have a lot of issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that don't even belong to me I am including a letter to explain about these items

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX sc XXXX XXXX {$450.00} balance XXXX XXXX collection account added to my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: Alpine Credit, Inc
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On XX/XX/17 Alpine Credit charged my credit card for {$1800.00} confirmation number XXXX. Speaking to XXXX, the authorization to charge the card was based upon their agreement to make an exception to their standard policy and delete the record based upon my address changes that my non-receipt of any prior notices. 

On XX/XX/17 I sent a letter demanding proof that they were authorized and/or contracted to collect the alleged debt and for documentation. No response received. 

I have made two additional calls to Alpine and asked on the status for the deletion, and was told that they do not do that. I advised them of the conversation with XXXX on XX/XX/17 and was told that there was nothing they would do. 

I did not authorize my card to be charged without the aforementioned deletion and would under no circumstances have provided that information to them. 

Furthermore I believe they have multiple FCRA violations on every contact with them, they have never identified that they are a debt collector and that any information they collect may be used. Per the FCRA.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There had been fraudulent activities coming and withdrawing from my checking account for past 2 months and i made a report to the bank. When I made a report they can cover and reimburse the lost money from unauthorized activities up to 60 days which was my case. 
Few weeks has passed and the issue still hasn't resolved, i had visited the bank again. The bank says they can only cover up to 30 days of most recent activities. 
I am disagreeing their decision and I have a right to receive full reimbursement of unauthorized funds. 
The uncollected amount is close to {$10000.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions 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 U.S.C 1681. 

Account XXXX. Creditor : XXXX XXXX XXXX XXXX XXXX PA. XXXX {$1900.00} : Updated : XX/XX/XXXX Account name:XXXX Creditor:XXXX XXXX XXXX XXXX. XXXX {$880.00} : Updated XX/XX/XXXX Account namXXXX. Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Amount {$920.00}. Updated : XX/XX/XXXX has violated my rights my accounts. 15 USC 1681 section 602 A. Statues 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 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 the records of conviction of crimes which antedates the report by more than seven years. 15USC 1681s-2 ( 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 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 2019-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
We are in the process of applying for a home mortgage. The mortgage lender pulled our credit on XX/XX/19 and TransUnion came back as frozen. I did freeze it right after the XXXX  breach but unfroze it last year when moving to apply for an apartment. 

On XX/XX/19 I got on their site, clicked the unfreeze option and get an error saying there's an issue and to call. So I go thru their automated system to unfreeze and the automated system says it's not frozen. I got a representative of the line who tells me it isn't frozen but there is a technical problem with the account on their side. She said she was submitting a ticket and it'd be resolved in 24 hours. 

The mortgage broker calls again last night ( XX/XX/19 ) and says it's still coming back frozen. So again I call. And again they say it isn't frozen but they'll submit another ticket. 

So my husband calls and escalates since this issue is actually occurring with both our credit accounts. He is told there's nothing they can do. That we should tell our mortgage broker our score can be verified over the phone with a number brokers have and she'll have to do it that way. 

And that's literally as much as we can get from them. They refuse to send letters stating everything isn't frozen, they refuse to explain what about their " system issue, '' is and when it'll be resolved, and they say there's nothing they can do because it's not frozen. 

At this point, we're at a loss. We've given the info to the mortgage broker but given how many times in this process our credit will likely be pulled this is a bit ridiculous. Are we always going to have this issue? Where can we turn for a resolution?

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 2023-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting 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 am writing to file a complaint to CAPITAL ONE regarding the reported data on my credit file that is not certifiably compliant and proven valid and/or not documented as fully true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, PA XXXX. My date of birth is XXXX, and the last 4 digits of my social security number are XXXX. The FTC report number associated with this complaint is XXXX have identified likely mendacious and certainly unproven complaint-reported account on my credit file that are inaccurate and erroneous l. As a consumer, I am within my federal and state consumer and/or civil rights to demand and/or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular item that you are reporting under FACTA Title 1 sec. 151 that unambiguously obliges a recounted of the modus. This is a formal dispute of information and reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 U.S.C 1681. 

Account nameXXXX. Creditor : XXXX XXXX XXXX XXXX XXXX PA. Amount {$1900.00} : Updated : XX/XX/XXXX Account nameXXXX. XXXX XXXX XXXX XXXX Amount {$880.00} : Updated XX/XX/XXXX Account XXXX. Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Amount {$920.00}. Updated : XX/XX/XXXX has violated my rights my accounts. 15 USC 1681 section 602 A. Statues 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 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 the records of conviction of crimes which antedates the report by more than seven years. 15USC 1681s-2 ( 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 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 2018-02-19
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: Was not notified of investigation status or results

Complaint:
I desire to have these inquires removed from my trans union. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Their customer service did not help and take care of removing negative inquires 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 2022-10-19
Company: Experian Information Solutions Inc.
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:
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 : # Listed below, Account name : # Listed below, Account name : # Listed below, Account name : # Listed below, 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX  ) 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 ) ( XXXX ) 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. 


ACCEPTANCE NOW Account Number XXXX XXXX & XXXX Account Number XXXX XXXX  COLLECTION XXXX  I Account Number XXXX Account Info Account Name XXXX  XXXX BANK Account Number XXXX XXXX  CREDIT  XXXX Account XXXX XXXX XXXX CREDIT  XXXX Account Number XXXX Account Type Auto Loan Account Name XXXX CREDIT XXXX  Account Number XXXX Account Type Unsecured Account Name XXXX CREDIT XXXX Account Number XXXX Account Type NA Responsibility Individual Account Name XXXX CONSUMER XXXX Account Number XXXX Account Type Auto Loan Responsibility Joint with XXXX XXXX Account Name XXXX INC Account Number XXXX Account Type Line of Credit XXXX FEDERAL XXXX Account Number XXXX Account Type Auto Loan

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 2017-12-22
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have been a customer with Coinbase for 4.5 years. On XX/XX/XXXX I requested that my account be locked until XX/XX/XXXX because my laptop was stolen from me and I was paranoid that my account would be accessed. On XX/XX/XXXX, I e-mailed support Coinbase to determine the steps needed to unlock my account. I have not received any further e-mails from them since. I have called, waited 1hr and 30mins on hold and was connected to a employee who said that my support ticket would be pushed to a specialized team to handle my issue. It has been 10 days since that support call and still no contact and still no access to my account. During my time locked out of my account the value of my account holdings has risen and fallen over {$20000.00}.

As a Coinbase customer for 4.5 years, with high value holdings I thought I would be treated better than a month wait time on what should be a simple request for my account to be unlocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had an Account where I was charged for many overdraft fees and tried to resolve them thru the company but I had an account for years

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 2023-04-12
Company: WELLS FARGO & COMPANY
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Well, I pay during COVID-19. My car was repossessed like three times and I paid each time like {$1000.00} to get it back because they actually told me there is a COVID-19 forgiving program that because I wasnt working that I will have three months that I wouldnt have to XXXX and then out of nowhere to ask me for three months worth of payment and I always been behind. Ill try to keep up, but then they said I old them a lot of money and they closed out my case.

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 2018-08-02
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX is attempting to collect a debt for XXXX XXXX. I do not owe this debt. I have communicated this to anyone who contacted me. Also it is from XXXX which is past FCRA and CA statute of limitations Civil Code 337. There absolutely can not be liability to any person on this claimed debt. They are re-aging it on my credit report claiming that it opened in XXXX and reporting it in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Westcreek Financial
State: TX
Product: Credit reporting 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:
My information was compromised and used without my permission XXXXXXXX XXXX  Westcreek financial

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Bread Financial Holdings, Inc.
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: Problem with rewards from credit card

Complaint:
I have a {$100.00} rewards balance that is unable to be redeemed. I have attempted multiple times to use it via direct deposit and have had error after error. Customer service admits there was a " glitch '' but now they are telling me by the end of XXXX when it has gone on over 90 days already.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-13
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have already filed disputes with the reporting agencies several times that the amount owed is less than {$200.00} of the {$400.00} credit limit. LVNV Funding keeps billing me {$770.00}. in the last dispute, I requested a copy of the charges/ debt verification, but only received a letter from XXXX that the charges were " valid ''. 

In XX/XX/2015, I responded to a court summons from LVNV, but never received a hearing date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
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: Information belongs to someone else

Complaint:
I summited a dispute on XXXX for 4 accounts. XXXX, XXXX  XXXX XXXX, XXXX XXXX, and XXXX. A response was sent back as accurate. I then sent another letter on XXXX asking for a method of verification. According to the FCRA, the credit reporting agency is required to give a method of verificatin within 15 days upon request. Never received it. Im asking that all items be deleted. they are clearly in violation of the law.

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 2023-08-10
Company: Experian Information Solutions 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:
I submitted a letter to the XXXX Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX OF XXXX XXXX XXXX OF 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 2023-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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 letter is regarding account # XXXX, which Bank of america claims such as " I owe {$420.00} '' or " my account was charged off {$420.00} '' This is a formal notice that your claim is disputed and in accurate and all monies claimed to be owed was debited from said account in 2020 yet has stayed on my report via chex systems preventing me from opening bank accounts for the past 2 years even though claim has been resolved since report date

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