BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-26
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: Personal information incorrect

Complaint:
I am having a problem with Equifax supplying and releasing a credit report with someone pretending to be me. It's been a year since I first wrote Equifax the first of the letters demanding they remove the names on my report that are not my names. 
Three months ago I attempted online to receive my credit report via the internet and I was denied. I was told I can not have access to my credit report online and I could only receive it by mail after I mail in several items such as a current utility bill, copy of my driver 's license, and my social security number. 
I have not done this yet because I do not feel comfortable with supplying all the information that is asked for. On XX/XX/2020 I received a mail from XXXX. XXXX   XXXX XXXX, GA XXXX the postage is paid by XXXX XXXX XXXX. It is addressed to a variation of the spelling of my name ending in a Y. I have never used this incorrrect spelling for my name because it is not my name. 
This tells me there is a person ( s ) Equifax is aiding in identity theft.My information is being used for credit and or transactions I have not sought. my information is being used by someone pretending to be me to have this fraudulent credit report mailed to my home as if I had done it. This is also mail fraud and I believe it is my best interest at the very least for Equifax to furnish me with complete disclosure, details of the reasons my credit reports were requested and given and the vender 's information who supplied the false names and addresses on my credit reports and their documented proof given to Equifax to justify the information being placed on my credit reports. There are social security numbers that are not mine and that I have never used on the Equifax Credit Report which I want to be removed and complete disclosure on the suppliers ; venders, and proof of the misinformation given to Equifax to justify them placing the information in my credit reports. I also want an explanation for why I have not been allowed to access my credit report online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Consumer Portfolio Services, Inc.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
CPS, validated my rights by unauthorized permission on the date of XX/XX/2022 pulled an inquiry on my report.They are not complaining with The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX. XXXX XXXX XXXX ACCT : XXXX XXXX BALANCE : {$190.00} REQUESTED VALIDATION FROM COMPANY NEVER RECEIVED AND DISPUTE FILED WITH CRA XXXX. XXXX XXXX XXXXT ACCT : XXXXX XXXX BALANCE : {$370.00} REQUESTED VALIDATION FROM COMPANY NEVER RECEIVED AND DISPUTE FILED WITH CRA XXXX. XXXX XXXX XXXXNT XXXX X BALANCE : {$450.00} REQUESTED VALIDATION FROM COMPANY NEVER RECEIVED AND DISPUTE FILED WITH CRA 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 2022-01-27
Company: ALLY FINANCIAL INC.
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I was having eft deposit a weekly basis from a known person and Ally Bank forced closed my account. In doing so they moved XXXX from my account to a unknown account. They verified the person who was sending eft through direct deposit was a known person. They need to return my XXXX to myself.

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 2018-04-23
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I filed chapter XXXX bankruptcy in XXXX it was discharged in XXXX. My car nor my mortgage were included in the bankruptcy. My payments to both have and continue to be in full and on time. Yet on my credit report it reflects included in bankruptcy and they are not reporting my payments so my credit is getting worse not better. 

Account Name Account Number Account Type XXXX - Bureau Account Designator Date Open High Limit Monthly Payment Account Balance Last Reported Account Status Amount Past Due XXXX Individual XX/XX/XXXX - - - XX/XX/XXXX INCLUDED IN BANKRUPTCY - Comments BANKRUPTCY CHAPTER XXXX, BANKRUPTCY DISCHARGED, FIXED RATE,

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 2022-01-27
Company: Shellpoint Partners, LLC
State: OH
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:
XXXX XXXXXXXX XXXX gave my Mortgage account to Shellpoint to service XX/XX/XXXX. I filed XXXX Bankruptcy, Discharged in XXXX. I did NOT reaffirm this debt yet every time XXXX  XXXX XXXX gives to Shellpoint ( 2x now since XXXX ). Shellpoint puts on my credit report, Currently only showing on XXXX. This is against the Bankruptcy law as Im not responsible for this debt. Shellpoint blames XXXX  XXXX XXXX for not giving them the info and telling me I need to request it to be removed which can take 30 days. and XXXX XXXX  XXXX says they gave them the information. Again this is the 2nd time happening and in the meantime my credit is affected by XXXX points. Not only that but the info given to the Credit report is incorrect. The Credit agency should also be responsible for allowing this to happen a 2nd time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 contacted all three credit reporting agencies to report identity theft/fraud on XX/XX/2019. 
XXXX XXXX removed the fraudulent charges - deleted XXXX XXXX XXXX - deleted XXXX XXXX XXXX - deleted XXXX/XXXX XXXX {$8700.00} I have disputed this charge 2 times. XXXX states the charges " remain '' XXXX  Credit Reporting has not investigated this. I have not been able to receive any information regarding " What the purchase was '' " Where was the purchase made '' etc I have the right to this information. 

** I have attempted to contact XXXX XXXX XXXX 10-12 times and have been completely unable to speak to anyone on the phone. I have mailed copies of my police report to all three credit reporting agencies and to XXXX XXXX XXXX. No response what so ever. 

Please help.

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 2021-02-01
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The # is XXXX XXXX a landline in Alabama giving an XXXX saying that they are Regions Bank attempting to collect a debt. I have NO accounts with regions and even called them gave them the # which keeps leaving messages even though the # is blocked. They have reported this to their fraud department. I owe NO debts to anyone!!! 
I haven't called either of these # 's back as I know this is FRAUD!

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 2022-10-07
Company: Paramount GR Holdings, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
GoodLeap is a predatory loan company. Additionally, consumers are paying for products that do not work. I have tried to talk to them about refinance or cancellation and they say no. This stems from XXXX XXXX XXXX XXXX abruptly closing their business. Now, I am paying the loan ( {$200.00} ), large electricity bills ( {$400.00} - {$600.00} ) and for another company to come get my solar equipment back online ( cost unknown at this time ). The manufacturer guarantee only covers the panels themselves, not the service, the service should have been completed by XXXX but they no longer exists. Executives from XXXX have already moved onto new solar companies while leaving their existing customers with faulty equipment and large loans. 

I took out a $ XXXX loan & started paying on the loan in XX/XX/2018. To date, I have paid {$8800.00} & only reduced the loan by {$2200.00}. Their finance charge is {$20000.00} for a $ XXXX product. In the end, 18 solar panels that do not work, will cost me $ XXXX. None of this was made clear up front. I have only spoke with one representative at GoodLeap who was helpful, she said if I make an additional principle payment that same day as my other payment, they will not take out additional interest. At any other time, they will take out the interest first. My current payment is {$77.00} principle and {$120.00} interest. When I asked for a break down of the loan to see how the interest and principle would be distributed over the life of the loan they said that was not available. 

I do not want to stop paying the loan, I care about my credit. However, I can not afford the loan, large electricity bills, and possibly a new solar company costs. 

Please help the many people impacted by XXXX faulty equipment and bad business practices as well as GoodLeap and their predatory loans. Especially, during a time when green energy is a popular investment. This a SCAM and consumer should BEWARE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: FIRST PORTFOLIO SERVICING INC
State: WA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On my credit report vervent company in California which is an apparent bussiness loan place reported that I owe them XXXX dollars. I had a previous loan with first associates loans for a private student loan that was supposed to be discharged in my XXXX 7 years ago. Since then from my research, this company no longer exists and is now called vervwnt. I have called and left numerous messages and sent many different emails to any emails I could get my hands on. The phone number on my credit report is w On my credit report vervent company in California which is an apparent bussiness loan place reported that I owe them XXXX dollars. I had a previous loan with first associates loans for a private student loan that was supposed to be discharged in my XXXX  7 years ago. Since then from my research, this company no longer exists and is now called vervwnt. I have called and left numerous messages and sent many different emails to any emails I could get my hands on. The phone number on my credit report is wrong and every phone call leads to an automated system. It is reporting derogatory on my credit and I cant even try to resolve it, due to the fact that they are not getting back with me. Can you please help? I have reported this to the attorneys general office as well as the better bussines bureau. At this point, j think I may need to get an attorney. 

Thank you 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 2021-04-20
Company: I.C. System, 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:
I applied for some lending. I was denied. I was told I have a collection account on my credit. I have never received any calls, emails or mailing concerning and collection account. I was provided a company name from the creditor that we applied for lending. I googled the company and its a collection company called IC Systems. I contacted them and the researched under my social security number, name, address date of birth and said I do not have anything on file for them. So I contacted XXXX XXXX and wanted to dispute findings. I was told nothing at all for collections on my file. A month goes by and I get a notice from XXXX XXXX that there a change in my credit file since I am a member of the credit watch for 8 years now. I contact them and innate dispute. since they can now see it on my file. I get a mailer from them that says they updated my file to show its a valid debt. I contact IC Systems back and still I'm told nothing nothing on file. I literally had to tell them I suspect fraud has been done. She then tells me that under my social the have a file in a completely different name and in the state of North Carolina about 700 miles away from me. She then gives me the name of the creditor that is reporting the info. I tried calling them and was on hold for 49 mins before hanging up. I googled how to report a fraud on there system which is Spectrum which is a internet/cell company and there like 20 documents that they want, including a police report, utility bill, copy of my id and notarized. I have no problem supplying, but they want you to fax it in. in this packet I am submitting it contains my social security.. The main issue is they say it could take over 6 weeks to correct the issue. That is just unacceptable!!!!! I feel if they as a company would have done the job correctly in the first place then none of this would have happened. I feel that a company should verify a persons identity when applying for a item that involves credit when making a purchase. I have had my credit locked with XXXX XXXX, XXXX and XXXX. Had Spectrum done there job correctly then they would of seen or had notice my credit is locked. I don't feel I should suffer 6 plus weeks for there mistake.

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 2022-01-27
Company: Frost-Arnett Company
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been making regular payments with the original client since the debt was turned over. The company continues to call me daily over a very small debt that has regular payments being made. 

I spoke with someone and said I was making payments but the calls persisted. I had to call and speak to a supervisor and explain the situation. I have since received phone calls attempting to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/ I opened both a checkings account and savings account with CapitalOne. I set-up a direct deposit from my employer to send {$250.00} every pay period to CapitalOne. CapitalOne has received one deposit of {$250.00} from my employer but is holding my funds due to " suspicious activity '' on my account. 

I have made 3 calls in total to CapitalOne over a period of 2 weeks now. The first call was made on XX/XX/. They have not returned any of my calls and I am always redirected to an answering machine. Each time I call, CapitalOne states they will give me a call back in 48 hours, but I have not received any callbacks. 

The ACH transaction number for my deposit is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Mountain Run Solutions, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX an account was posted in collections on my credit report in the amount of $ XXXX.The collection company, Mountain Run Solutions , has stated to XXXX, the account was opened on XXXX XXXX, XXXX. I was informed by XXXX a debt was incurred in XXXX, however I am not listed as part of the debt, past or present. The debt was filed as a joint account. I have reached out to the collection company, and filed a dispute with XXXX, to have the inaccurate information removed. XXXX completed the investigation of the dispute on XXXX XXXX, XXXX, concluding the information reported, is accurate based on information from the collection company. XXXX did not contact XXXX for any documentation.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I received written notification ( see attachment ) from XXXX XXXX XXXX on a closed XXXX XXXX checking account.The letter indicated {$560.00} as an amount owed which is incorrect. 

On XX/XX/XXXX, I received written notification ( see attachment ) from XXXX XXXX Remediation Department that the bank owed me {$85.00} and enclosed a check in that amount. That check was cashed at my current banking institution. 

XXXX XXXX XXXX should have received correct information from XXXX XXXX concerning this alleged debt prior to notifying me. As a result, the information in which I received from the collection agency is incorrect and therefore violates the Fair Debt Collection Practices Act.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
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 PayPal Support Team, I am writing to appeal the recent blockage and limitation imposed on my newly registered PayPal account. I am a new user on your platform and have not violated any of PayPal 's terms or policies. 

I understand the importance of security measures that PayPal has in place to safeguard its users, and I appreciate your efforts to maintain a secure environment for online transactions. However, I believe that there has been a misunderstanding or an error in the assessment of my account. 

I kindly request a thorough review of my account and a detailed explanation of the reasons behind the blockage and limitation. As a new user, I have not had the opportunity to engage in any transactions or activities that could have warranted such actions. I assure you of my commitment to adhering to PayPal 's rules and regulations. 

To facilitate communication, I would like to provide you with my registered email address associated with the blocked account : XXXX. Please direct any updates or necessary steps to resolve this matter to this email address. 

I am willing to cooperate fully and provide any additional information or documentation that may be required to verify my identity and restore full access to my account. I am eager to resolve this issue promptly and regain the ability to utilize PayPal 's services. 

Thank you for your attention to this matter. I sincerely appreciate your prompt assistance in reviewing my appeal and rectifying the situation. Should you require any further information or clarification, please do not hesitate to contact me. 

XXXX XXXX [ Your Full Name ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: EQUIFAX, INC.
State: OH
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:
XXXX  XXXX XXXX gave my Mortgage account to XXXX to service XX/XX/XXXX. I filed XXXX Bankruptcy, XXXX in XXXX. I did NOT reaffirm this debt yet every time XXXX XXXX XXXX gives to XXXX ( XXXX now since XXXX ). XXXX puts on my credit report, Currently only showing on Equifax. This is against the Bankruptcy law as Im not responsible for this debt. XXXX blames XXXX  XXXX XXXX for not giving them the info and telling me I need to request it to be removed which can take 30 days. and XXXX  XXXX XXXX says they gave them the information. Again this is the 2nd time happening and in the meantime my credit is affected by XXXX points. Not only that but the info given to the Credit report is incorrect. The Credit agency should also be responsible for allowing this to happen a 2nd time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I'm being asked and threatened by USAA to answer personal questions and I whole heartedly disagree with having to reveal information like net worth, I feel that's 100 % just for marketing reasons but yet they're threatening revoking access to my accounts ... I haven't had a single other bank ask these questions and I feel USAA is going too far to collect information they don't need and will only abuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation