BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-21
Company: National Credit Adjusters, LLC
State: MI
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:
Privacy Act of XXXX ( 5 U.S. Code 552a ) According to the record which means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual. No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to written request by, or with the prior written consent of, the individual to whom the record pertains. Charge off and Closed accounts are in violation of the fair credit Reporting Act and the Privacy Act of XXXX Furthermore I was not given notice to make the decision of opting out of the disclosure. Every company owes you a privacy notice before they furnish any information to the consumer report. XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I AM OPTING OUT OF YOUR REPORTING SERVICES. '' Because of this violation and these consumers reporting Agencies have kept private information public. I have been affected. Systems have been breached and my Social Security number was stolen and other personal information like phone numbers, emails, passwords, is being used.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I the consumer did not consent too nor authorize these inquiries that are reporting to my XXXX report. I did not give not give my permissible consent to none of these corporations to obtain my consumer report from TransUnion. Everything is electronic I did not give them my written consent to obtain my consumer report per section 15 USC 1681n ( b ). Per federal law states that any corporation whom obtains a consumer report from a consumer reporting agency knowingly without permissible purposes shall be liable to the consumer reporting agency for actual damages in {$1000.00} per section 15 USC 1681n ( c ). I sent Transunion an identity theft report via Usps certified mail. Is TransUnion above the law? How are they able to share my consumer report without them contacting me for my consent to share my report with these corporations. Transunion humiliated me to the public and damaged my reputation. Transunion decreased my score because those inquiries that have no connection to me. If you can provide me a copy of a credit application authorizing the disclosure of my files with my actual signature, I will accept the inquiries. If such application is removed I demand these inquiries be blocked and removed from my consumer report. I demand remedy per federal law for my damages that have concurred. Per section 15 USC 1681n ( a ) I am demanding {$1000.00} per inquiry.

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 2022-09-09
Company: EdFinancial Services
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
WITHOUT ANY WARNING WHATSOEVER, EDFINANCIAL HAS RE-ALLOCATED MY PAYMENTS AGAINST MY EXPRESS INSTRUCTIONS. In particular, my payment of {$1000.00} towards XXXX XXXX from XX/XX/XXXX has been re-allocated between XXXX XXXX  and I without any instruction from me, and my payment of {$200.00} towards XXXX XXXX from XX/XX/XXXX has been re-allocated between XXXX XXXX  and I without any instruction from me. This is bordering on fraud because Edfinancial is suspiciously re-allocating payments to keep me from paying down XXXX XXXX before payments resume in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XXXX when I was making payment to my Wells Fargo auto, I was told my amount to pay was lower than usual due to a credit. However, come to find out that credit was used in Liu of late fees. Resulting in me owing close to {$300.00} in late fees on my next payment - that have never accumulated before on my account. Ive asked to dispute this to the Presidents level and they simply want to call to tell me those fees stand. Malicious practice from bank representatives that should be more thorough on any credit that a consumer can apply.

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 2018-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
A claim in the amount of XXXX was reversed out of my account ending in XXXX on XX/XX/XXXX, causing it to become overdrawn the amount of XXXX. This is an ATM debit claim from XXXX XXXX XXXX. Prior to this, a close out check in the amount of XXXX was mailed out on XX/XX/XXXX, received in XX/XX/XXXX. A stop payment was placed on it, unknown to me, which caused my XXXX account to become overdrawn and a total of 14 overdraft fees assessed in the amount of XXXX each plus a returned check fee in the amount of XXXX. The total amount of fees is XXXX, XXXX will not refund these as it is not their error, Capital One will have to refund. A replacement check was sent out on XX/XX/XXXX, the day I left for vacation, I left for XXXX XXXX from XX/XX/XXXX to XXXX. It appears someone intercepted this check, forged my name and cashed it. A manager by the name of XXXX gave information on the person whom signed and cashed it, a XXXX XXXX using a XXXX XXXX XXXX. I do not know this person and am not familiar with this bank. I've been calling Capital One since XXXX, attempting to get a resolution for missing funds and fees owed to me, nothing resolved to date. I have a name of a contact, XXXX XXXX, I've left a total of seven ( 7 ) messages for her to date. According to her reply to a prior CFPB complaint, she can not or will not return calls while complaints are in process. She has not returned calls even after prior complaints closed out, it appears she simply will not return calls. I've contacted an attorney about this matter, was advised that I should file suit. Based on tort law, if Capital One had not placed stop payment in error, the overdraft fees would not have occurred as well as returned check fee. The second replacement check would not be necessary, which was cashed fraudulently. The account is now over drawn XXXX as mentioned prior, Capital One can deduct this amount from my claim in the amount of XXXX which includes fees in the amount of XXXX plus check amount of XXXX. After all is said and done, the total due to me is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My husband is on a solo bicycle trip In XXXX XXXX. Not wanting to take cash, he took XXXX credit card Capital One Visa. While In a very remote location, without any warning Capital One Visa deactivated both my husband 's and my cards and All transactions rejected. I am not In need of the card but my husband is stranded in a remote arena without means to pay for food or shelter. When he contacted Capital one, they connected him to the Fraud divison. They said the card was rejected and wo n't give a reason why. They requested him to send them certain identification information He did tthis. Capital One Visa response was that this was not sufficent and requested he send more information which he did not carry with him. He called me In the US & I sent the additional information. I have confirmation that they recieved it, yet they say they have not recieve it. I sent the same required Information to my husband in XXXX & he resent it. This dispite capital one Viisa Venture card is requesting personal information that was not required to even qualify for this card. Im concerned & suspicious In addition to being very upset with the non concern, rude treatment from the members of the Fraud staff. They even told me that this capital One Visa Venture card is not connected to Capital One Bank. I am afraid this is a scam and invollves the Use of giving bonus points after spending {$3000.00} dollars within 3 months. We paid them {$3900.00} within one month and they canceled the Capital One Visa Venture card at the most inoportune time possible, to avoid the bonus offer. No reason, No help, and it appears possible data mining & possible identification Fraud from the " Fraud Dept '' of Capital One Venture Visa. I reguest you please investigate this company and prevent others from this most distressing experence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL
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 complain to TOYOTA MOTOR CREDIT CO about the reported unauthorized inquiry on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting 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:
Equifax has some accounts I never opened showed on my credit report. These records make some trouble with my background check when I want to open checking account with some banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
In XX/XX/XXXX, just days after my registered Venmo, they emailed me that my account has been frozen due to recent activity that appears to be a violation of our User Agreement. And they asked me to upload my photo ID ( and I did ), but today they said my account has been permanently deactivated! And in my account there are still {$500.00} but I can not get back to my bank account and Venmo said they can not do anything about it! And they also havent telling me why my account has been frozen. Now I dont care about the account but I just want my money back!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Transunion is the only credit bureau that is reporting this old account that Im not even responsible for. That has been confirmed with XXXX XXXXXXXX XXXX The account is just sitting on my transunion account and it hasnt reported since 2016. I called transunion but theyre are just not complying with me. So I would love the help from consumer finance protection bureau.

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 2023-10-23
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had an issue with the my paycheck feature that allows you to borrow what you have already earned before your paycheck hits. I have used the service for 3 months and now it says I didnt receive my direct deposit into the system, which I did and it is cleared through the bank, and it isnt allowing me to use the feature. When I call they say Im over the limit of amount to borrow but I have not borrowed anything. Nobody can fix the issue, they continue to push me off saying it cant be fixed. I will be going to a different and more reliable banking system

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: CREDIT ACCEPTANCE CORPORATION
State: VA
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:
Someone have got a car in my name and manipulated my information. I am XXXX and have been taken advantage of. Someone keeps opening accounts in my name. I have not opened an car with credit acceptance and am in a bad situation because people keep taking my information and stealing my identity.

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: EQUIFAX, INC.
State: TN
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 this account has violated my rights. 

XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/22 I had my client send me money through my Venmo. The amount was for {$930.00} and it cleared from her checking account. I sent {$330.00} to my checking account and then attempted to send {$300.00} to another venmo account holder and Venmo froze my account. I have gone back and forth with various customer service specialists and their supervisors everyday since then. I was told that it was most likely frozen because I needed to provide more information to verify my identity ( which I did immediately ) I was told it would take 7-10 business days for the reason why it was frozen in the first place to be determined and my account be unfrozen. It has been 16 business days and I still have {$600.00} in my Venmo that they refuse to allow my to transfer out. The only live customer reps that I have access to speaking to claim they have no way to communicate with the other department who handles this and therefore nothing that they can do. I now believe that Venmo or some 3rd party is scamming me and has stolen my money. I dont know what else to do. This has cost me a huge job that I was supposed to complete because the money sent to me is being unjustly held and my customer has since filed complaints and her Venmo account is now frozen as well. I dont know what else to do in this situation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have had my account with Wells Fargo since 2016 Ive never had an issue. For the last 6 months fraudulent transactions have been happening on my account. I called in to dispute the transactions and they issued me an provisos credit on day XXXX of the claim Being processed. I assumed the claim was handled by the bank as they issued me the XXXX $ to my account. I used the money as it was given to me from the bank. I checked my mail box on the XXXX and it states XXXX  days from the letter my money was going to be taken from my account .I didnt give anyone permission to take this money as its my XXXX brothers direct deposit. I called the bank to reopen this claim or try and speak to a supervisor in regards to this because they said it was done by me or I gave permission to someone to have this money being taken because a pin was used. They basically said the claim is closed there is nothing they can do and they money will be taken regardless. This is frustrating and so horrible coming from a bank I have be loyal to for 7 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 2021-02-09
Company: PORTFOLIO RECOVERY ASSOCIATES 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 information incorrect

Complaint:
The company Portfolio Recovery sent a letter to my home stating they would accept a settlement offer of {$380.00} and it needed to be received before the XXXX of XXXX I believe. I sent a payment of XXXX on the XXXX of XX/XX/2021 from my wife 's XXXX XXXX bill payer service. The check cleared on the XXXX of XX/XX/2021. I contacted the debt collector to get information as to why they haven't updated the credit report and cleared the balance. They stated they didn't receive a payment and it was mailed to the exact address on file. The acct number was on the check XXXX. The address is XXXX XXXX XXXX XXXX VA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
I have been a long term customer with Capital One. I have a secured card that I have had exceptional payment history with. The card still isn't secured, and Capital One sent solicitation for an unsecured card. I applied and was denied for a false reason. I called and requested a reconsideration and spent about 20-30 minutes with the agent explaining my situation. She stated that *she would have the back office manually review the application and to wait about 5-7 business days*. Just minutes later, I receive a denial reason for the exact same information. 

I also sent correspondence to the executive office. I was told by a case manager *I will have your secured card reviewed manually*. I was called the next day and was told that there was nothing they could do. 

I have not been treated fairly or correctly at Capital One, and their support process is shameful. I feel as though I have a " flag '' because of my situation, and that I'll never graduate this card or receive an actual reconsideration. Another case manager called me today and said " reconsiderations are not manually reviewed, it's done by the system '', and then said later " yes, they manually review the application but the decision is still being due to your credit report ''. 

I've asked for information for mailing or emailing correspondence from my attorney due to the discrimination factors and lack of truth in these matters, and the company has refused to provide it, and stated, " we don't have a legal department ''. 

I will have anyone and everyone avoid this company for their lack of customer advocacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: A.R.M. Solutions, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I let my subscription to XXXX XXXX newspaper lapse and did not renew.This was after many complaints about missed newspapers or late delivery and no corrective action.XXXX  XXXX unlawfully sent my account into collection to `ARM Solutions Inc.To protect my credit I was forced to pay an amount of {$98.00} to ARM Solutions on 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 2023-09-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I found disputes with the three measurement major credit bureaus and they're telling me that the information was verified and how can it be verified if it's not mine. I do not have any medical bills that are outstanding. That's it that's all there is to say it's not me they need to take it off and don't just dismiss my dispute.

Company response to consumer: Closed with explanation