BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-16
Company: Experian Information Solutions 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:
hippa cra violation never late and showing inquires that are not mine sent police report enclosed are hippa and cra violation XXXX included with showing a late everything i sent to everyone XXXX breach has cost me my life

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 2018-01-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX recently started reporting Re-Aged Disputed Mortgages that had already been removed over a year ago due to the 7 year Limitation. The Accounts last reported delinquent payment was in 2009. It  appears they simply removed the old Info and started re-reporting even with False information of a payment even though one was never sent and the Historical Information they provide clearly shows no payment has been received. The issue is compounded with trying to deal with Equifax. Even though Equifax has and was provided documents from themselves in the past they simply send back a letter saying XXXX states they reported correctly ( Information is blank or conflicting ). The agents in the call centers have no ability to do anything but re-dispute. When I have been able to actually speak to a empowered person like a supervisor at XXXX XXXX for example they actually review the documents with me and clearly see the issue with a resolution. The Equifax agents appear to be not USA based and never allow you to even get to the Survey to complain. I have actually let my phone sit on mute for almost a half hour to be hung up on. This same issue has happened to my husband 2 times in the last few months again with XXXX and Equifax. Equifax needs to fix its dispute system and XXXX needs to be held liable for the abuse of its reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
After applying for a credit limit increase for both of my capital one credit cards, I would get an automatic letter stating that I had not qualified for an increase because of my credit score.  Every time the system pulled my credit score, it was off by at least 100 points which explains why the credit limit increase was not approved. The customer representatives are not able to do credit limit increases and are not familiar with how their own bank system works in regards to credit limit increases.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-25
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have an account with PayPal and they keep holding my money in my account for no reason. I have to keep calling them to release funds. Then they argue with you why they can not do it.
First someone brought a phone on XXXX from me on XX/XX/XXXX for {$140.00}. Instead of giving me the money for the phone. PayPal put a hold on my account for {$160.00}. After calling the 1st time they said they was only going to release {$15.00} ( on a {$150.00} purchase ). Then release the rest of the money in 21 days. So I decided to cancel the order. Then PayPal said they would n't refund the buyer because I had a negative balance. Even though I did n't, because PayPal put more holds on my account than what the transaction was. So after calling a 2nd time they removed most of the hold and released {$100.00} but left the {$50.00} to be released 21 days.
Second today XX/XX/XXXXPayPal locked by account talking about I owe money on an old account from XX/XX/XXXX. Over a year ago. The debt was settled through a collection agency. But now they are trying to collect on the debt a 2nd time. Now I have no access to the funds remaining from the transaction listed above.
PayPal is scamming people. They hold people 's money on purpose so that PayPal may make interest on our money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been contacting TransUnion explaining to them that they are reporting things that absolutely fraud and do not belong to me. I have told them over & over & over again that this information that they continue to keep on my report is fraud information. The account for XXXX XXXX  & XXXX XXXX do not belong to me & I did not apply for these accounts. I have sent several police reports & the identity theft reports and they still report fraud information.

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 2022-01-08
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
purchased a XXXX XXXX XXXX XXXX in late XXXX of XXXX, payments were made for 6 plus months. I became a full-time caregiver, dropped from my career in order to supply adequate care. I contacted the lender and asked for the car to be picked up, voluntary repossession. XXXX of XXXX. I received letter from XXXX XXXX, that the taurus in question had been sold at auction, within two months of the repossession. 
Credit Acceptance is the lender and they have reported XXXX plus, owed, to this date. 
the car was purchased for XXXX and sold at auction for more than XXXX. Credit Acceptance has the same letter from the auction house, that was sent to XXXX XXXX and Myself. 
at this moment, more than the purchase price is and had been reported to all agencies. 
Being in the state of Texas, once the vehicle is sold, i am responsible for the remaining amount, not the full amount. I have explained this several times to said agency, XXXX. 
this co. will not adhere to the law. please help me resolve this matter. the loan is 6 years and 11 months out from inception, and I am being charged every month about {$100.00} dollars, which is keeping my credit scores low, despite the fact that i have no late pays. 

thank you, XXXX XXXX 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 2019-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 status incorrect

Complaint:
Bank of American put incorrect information on my Credit Report. Listed a large sum of money due since 2011 as an outstanding past due balance when this account/loan was actually paid off to a XXXX balance. 
There incorrect posting caused disqualification to several job positions I applied to for employment. When contacting them of the incorrect information they acted like it was no big deal and didn't even apologize. 
" Abuse of Power ''

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 2019-07-28
Company: Santander Consumer USA 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:
I paid off loan in XX/XX/2015 and the status on my credit reports all of a sudden is showing 60 days past due. I filed a dispute with credit bureaus and they continue to report in accurate information. I reached out to Santander and they are saying they are reporting the correct information. I also reached out to credit bureaus and they are telling me to reach out to Santander to have them change information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-10
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX, XXXX and Experian has not corrected my Credit File to reflex what is actually been paid in full. 

XXXX XXXX and XXXX XXXX XXXX should show a XXXX Balanced Owed. My Credit Score has dropped from XXXX to XXXX due to this Misinformation from these three Credit Reporting Agencies. I want them to correct my Credit File so I can get Credit again. As of this date I have been Rejected for Credit Cards and..

Car Loans because of this Misinformation showing I owe on these two accounts that are Closed with a XXXX Balance Owed.

Waiting for a Reply, XXXX 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 2018-01-10
Company: Webcollex, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX on XX-XX-2017 that negative item was placed on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Requested XXXX XXXX to remove incorrect information off my credit report. More importantly, XXXX XXXX are in violation of FACTA section 623 ( A ) ( 7 ). Never received any mail from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: The Schreiber Law Firm, PLLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received several calls from a local number to XXXX ( XXXX ) XXXX XXXX XXXX or XXXX XXXX. The latest call was on XXXX at XXXX XXXX MST. They were attempting to collect a debt from the XXXX XXXX XXXX for a medical bill that was paid sometime prior to XXXX. 
I have not lived in XXXX since XXXX or visited the XXXX XXXX XXXX XXXX since XXXX. 
When I asked the company name for which they were attempting to collect a debt they hung up. When I called back they told me it was for the XXXX XXXX XXXX XXXX threated to send me a subpoena to XXXX county court then hung up again. XXXX XXXX XXXX would not give me the date of the original debt, continued threats to send me a subpoena and hanging up. 
After 4 attempts to call back and speak with them, I gave up. 

I am disputing the fact that there is even a debt and if there was the debt would be 22 years old well  beyond the Statue of limitations for medical debt for XXXX ( 6 years XXXX Revised Statutes Title 13 S.80-103.5 ) and XXXX ( 6 years 78B-2-309 )

Company response to consumer: Untimely response
Consumer complaint received 2019-07-28
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2022-08-26
Company: Avant Holding Company, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Avant credit company issued a fraudulent card to someone in New Jersey using my name and social security number. This occurred on XX/XX/2022. I live in XXXX North Carolina. I received an email on XX/XX/2022 that this card was used in New Jersey. I immediately reached out to Avant to inform them that this was not me, I did not apply for this card. I was told they would remove this from my name. I then received an email on XX/XX/XXXX stating I have an outstanding balance of & XXXX, I called to be told I need to file an Identity theft victim complaint and affidavit, which I did and mailed to them. Approximately 30 days later I received a letter stating that it could not be excepted because it was not notarized our police report was not attached. I then as of XX/XX/XXXX resent the identity theft victim complaint and affidavit notarized via mail and email. I have called once a week and asked to speak to the fraud department, the supervisor, and was told it would take 48 hours to investigate and get back to me each time I will call. do this day this still remains on my credit and is a fact affecting my life, I was denied for a mortgage, had to pay an extra deposit for my apartment, was denied to refinance my car, all of this has occurred since XXXX. I want this removed from my credits I have provided all the proof they needed, my passport my drivers license and utility bill all showing my address and my name before I live I live in XXXX North Carolina. The credit card was applied for and sent to XXXX New Jersey, the address on the account is XXXX XXXX XXXX, XXXX XXXX, XXXX NJ.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
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:
I paid off loan in XX/XX/2015 and the status on my credit reports all of a sudden is showing 60 days past due. I filed a dispute with credit bureaus and they continue to report in accurate information. I reached out to XXXX and they are saying they are reporting the correct information. I also reached out to credit bureaus and they are telling me to reach out to XXXX to have them change information.

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 2019-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
In XX/XX/2018, I upgraded my XXXX XXXX retail store card ending in XXXX to their Mastercard ending in XXXX. When the upgrade occurred the balance on the old card of {$760.00} was transferred to the Mastercard. 

Unfortunately, when the old account ending in XXXX was closed an update was not sent to the three major credit bureaus in XXXX showing the account closed with a XXXX balance. 

The last reported date for the old account is XX/XX/2018 with the following history : Balance : {$760.00} Date of Last Payment : XX/XX/18 Amount Past Due : {$0.00} Min Monthly Payment : {$27.00} At this point in time, the current information documented at the Credit Reporting Agencies is incorrect and should be updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I tried to open a checking account and found out it was a account reporting to the XXXX from XXXX XXXX XXXX. I never had a account with the company and asked for it to be removed, I faxed in my police report to XXXX and it hasnt been removed.

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 2018-01-10
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have fraud alerts on my credit reports and someone is trying to open up accounts on my credit that is not myself and whenever the credit grantor attempts to contact me as instructed on my reports the accounts are not allowed to be opened because I had no knowledge of the attempts. However these inquiries are still allowed on my credit reporting. Please remove them. Iberia Bank, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX and XXXX XXXX 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 2019-07-28
Company: Experian Information Solutions 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:
I paid off loan in XX/XX/2015 and the status on my credit reports all of a sudden is showing 60 days past due. I filed a dispute with credit bureaus and they continue to report in accurate information. I reached out to XXXX and they are saying they are reporting the correct information. I also reached out to credit bureaus and they are telling me to reach out to XXXX to have them change information.

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 2022-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have a Home Equity Line Of Credit with Bank Of America and I am in the process of selling my home. The closing date is next week on XX/XX/XXXX. When my attorney did a title search, two HELOC liens from XXXX XXXX XXXX came back. One lien is dated XXXX, XXXX in the amount of $ XXXX. The other lien is dated XXXX, XXXX in the amount of $ XXXX. I only have one active loan with XXXX XXXX XXXX XXXX XXXX amount of $ XXXX ( approximately $ XXXX now ). In XX/XX/XXXX, I was given a issued a $ XXXX line of credit. In XXXX, XXXX, I was given a $ XXXX increase, allowing me to borrow up to $ XXXX in equity. Unfortunately, the bank never released the original XXXX for $ XXXX and there are two liens on my property from XXXX XXXX XXXX XXXX XXXX XXXX and $ XXXX ). I have called and emailed the XXXX XXXX XXXX requesting that they issue a lien release for the initial loan. I have gotten nowhere. Customer service has no record of my initial loan number and I have been told that it could take 15-20 days for the research team to resolve this. My closing date is on XX/XX/XXXX and I need to resolve this issue prior to that date. I appreciate your time and consideration and look forward to your reply. Thank you. 
Best, XXXX 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 non-monetary relief
Consumer complaint received 2018-01-10
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:
The credit bureau is refusing to delete two collection accounts on my credit report that are not mine. The first account is with " XXXX XXXX XXXX '' for {$3800.00} with account number # XXXX. The second account is with " XXXX XXXX XXXX '' for {$1400.00} with account number # XXXX. I have spoken to representatives at both companies and the records that they have do not match my personal information. I was directed to dispute these errors with the credit bureau to have them deleted from my credit but the credit bureau is coming back telling me that I need to contact them back. I am being given the runaround when the issue is really with the credit bureau who does not want to fix their 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 2018-01-10
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
My home was flooded with Hurricane Harvey. I requested forbearance with XXXX XXXX XXXX. I have come to learn these months of rebuilding my home, my mortgage is being reported negative.

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 2021-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Consumer reporting agency reporting inaccurate and invalid account information. Advised them and nothing was done. They shared private personal and financial information with others without my consent in which I did not authorize or benefit from. Compiled these private matters without my consent.

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