BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-18
Company: Bread Financial Holdings, 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:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: GREAT LAKES
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On XX/XX/2019, I made the decision to log on to my student loan to pay my loan off of just {$50.00}. I was unaware at the time that maybe I did something wrong, but the payment of {$50.00} said it would process through in the next 2-3 business days. Yesterday afternoon, I tried to make a purchase on XXXX, but my purchase was denied, which that has never happened until yesterday. I look into my bank account and saw that the loan agency, Great Lakes, has charged me with $ XXXX.I do not even have half close to that amount in personal checkings account. I talk with several different Great Lakes reps about my issue and they informed me that they could not do anything regarding my payment mishap. They told me to call my bank and see if they could reverse the payment on my account. I was able to talk with a few bankers at the bank and they told me to contact the loan agency, but I told the bankers that my loan agency referred me to them to speak with it was nothing they could do to reverse the payment. I was told by a banker that they would fix the issue, but my account is still resting at a - {$39000.00}. I have no way to pay for anything, use my card to make any purchases. I am lost and devastated at this point, because now I am penniless because of the mishap that occurred on XXXX. I thought my loan agency would take agency, but they failed to do so, now I am worried that I won't be able to pay any other bills I owe, which is not good for me. I need help with this issue immediately. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To Whom It May Concern , I am writing to dispute the following information in my file. I recently received a copy of my credit report, in the process of purchasing a home and due to these circumstances it is stopping me from moving forward in life and acquiring a mortgage loan. I notice that there is unauthorized credit inquiries made by the companies listed above. To my knowledge, I Have not signed any documents authorizing the company in question to view any such part of my credit report. The listed inquiry was without my authorization, and for no legitimate business purpose. I do ask that under the Fair Credit Reporting Act and violation code of US CODE 15 USC 1681b ( 2 ) as well as the violation of my rights to privacy that this is removed from my files immediately. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX New Jersey 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 2018-10-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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 collection account is not mine. I have repeatedly filed disputes through XXXX, XXXX  and XXXX  and the collections agency will not provide the documentation I requested proving the debt is mine. I do not have any knowledge of this account. I even tried contacting the company and ask for proof or validation that the account belongs to me and all they send are the typical credit card paper statement. This is not proof. I want to see where I signed an application or proof that it was me that created this debt. All they send are statements. I want to see solid, legal documentation that the debt was incurred by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
It is basically impossible to get a hold of someone at Transunion. The phone number on my credit report is just a loop, and all they want to do is sell you products. I need to tell them they are reporting judgments that are not mine, and I 'm currently paying too much for my mortgage due to this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I never live in XXXX new York or XXXX XXXX in XXXX mass I think some one using my information

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-25
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contact this company as well as the bureau to properly validate this debt. They have yet to do so. I wrote a letteXX/XX/2018, XX/XX/2018 and they sent a letter stating it is my debt without proper validation or letter or contract bearing my signature. This debt or account was otherwise opened without my consent and needs to be removed. I do not owe this company. They also repeatedly call my phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
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 # 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 an account without my written instructions.

15 U.S.C. 166b a creditor may not treat a payment on a credit card account under and consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: BARCLAYS BANK DELAWARE
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: Information belongs to someone else

Complaint:
Recently I obtained a free credit report on my social security number and I discovered on it a fraudulent individual revolving flexible spending card account opened with Barclays bank Delaware on XX/XX/XXXX.High limit on the account is {$4000.00}, balance amount {$16.00}, balance date XX/XX/XXXX, monthly payment of {$8.00}. The account status : Late 30days,  amount due : {$3.00}. There is a comment that stated : '' OPEN ACCOUNT.ACCOUNT 30DAYS PAST DUE. DATE LAST REPORTED DELINQUENCIES : XX/XX/XXXX=R2 LAST PAID:XX/XX/XXXX. I did not open this account and never received a bank statement on this account or from this bank. I am requesting that this account be closed for starter, then investigated and removed from my credit report because I am not responsible for opening or managing this account. Here is my dilemma, I called the bank to complain about this credit reporting as fraudulent but they can not recognize me as a customer and will not listen to me since I do not exist in their database and I don't have an account number they recognize. so how can I ever get this bank to investigate this issue originating from me. I will like the to close this account before further damage is done to my credit.

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 2021-06-24
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:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-25
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
American Express has been turning against good customers! Closing their accounts! 

Doing that to customers with perfect payment records! 

Demanding to see confidential documents! 

Demanding that customers with firmly established credit card accounts co-operate with intrusive mortgage-application style onerous processes! 

Threatening to close all their Amex accounts if the customers don't agree to above stated outrageous demands!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: Experian Information Solutions Inc.
State: MS
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 Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX and 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 2 : It also states a consumer reporting Agency can not furnish an account without my written instructions. It also has another violation having late payments being reported on my account ... .15 USC 1681- ( 2 ) ( A ) ( I ). ( 2 ) EXLUSIONS ( A ) subject to section 1681s-3 of this title, Any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Which means it's a Violation of the FCRA to report " Late Payments '' as that is a transaction. In 15 U.S.C. 1681a definition ( a ) the term " Consumer '' means an individual and ( b ) term " person '' means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. I have been violated by the credit bureaus and this is hurt my credit and this causing me to be denied credit. And I want these accounts removed immediately!!!!

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 2020-11-02
Company: EQUIFAX, INC.
State: CO
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:
IM HAVING ISSUES WITH MY CREDIT REPORTS AND I HAVE CALLED XXXX XXXX OVER THE PAST COUPLE OF MONTHS REGARDING THE ACCOUNTS THEY ARE REPORTING ON MY CREDIT REPORT AND WAS TOLD RECENTLY THEY ARE STILL WORKING ON IT AND ITS BEEN OVER THE 90 DAY PERIOD I WAS ORIGINALLY TOLD. ALSO WAS TOLD THAT THE TECHNICAL SUPPORT DEPARTMENT WASXXXX XXXX  WAS SUPPOSE TO CLEAR MY RECORD IN THERE SYSTEMS AND STILL I GET THIS MESSAGE WHEN I DO PRE APPROVALS WITH THEM. I ATTACHED THAT WITH THIS COMPLAINT ALONG WITH MY CREDIT REPORT. XXXX  ALSO SAID THEY WOULD GET BACK WITH ME ON THE FRAUDLENT INQUIRES AND NEVER DID WHICH IS OVER A XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A few years ago LVNV and I met in a court and the case was dismissed in my favor, and the court also stated that I did not owe LVNV any money. Nevertheless, LVNV has being continuing reporting to XXXX that I owe them money when in fact I do not. LVNV is filing false and fraudulent statements with XXXX. LVNV in the last 3 years has received over 400 complaints with the XXXX XXXX XXXX  for attempting to collect money when they have no legal standing. LVNV lost a {>= $1,000,000} class action law suit in the state of Maryland for the same fraudulent practices. I have already filed several complaints with XXXX in an effort to stop LVNV. I gusess my next step will be to contact my congressman to seek resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-23
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I apply for annualfreecredit report, your website said i received my credit report that not true? if could you provide me with the date and what address you sent it to? I have n't receive a credit report this year nor have i submitted a application for until today. XXXX XXXX, 2016 Friday

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello - We are trying to refinance our home. During this process we found out from the refinancing mortgage company that we had two " abstract judgment liens '' on our home that were with FIA Card Services, N.A. 

The processor from the refi mortgage company contacted the attorneys shown on the judgments, but they are no longer managing our accounts. They advised that XXXX  XXXX XXXX took over FIA Card Services accounts. In calling XXXX XXXX XXXX, the refi mortgage company was told that they did not have any information pertaining to us, and that XXXX XXXX XXXX also took over some of FIA accounts. 

In checking with XXXX, we found out that XXXX XXXX XXXX went bankrupt and some of their accounts went to XXXX XXXX. 

On XX/XX/XXXX the refi mortgage company called XXXX and was told they needed a faxed authorization from us, stating that they could speak with the processor concerning our account. We followed their process, faxed over the authorization and was told to call back in 48 hours. Processor called back on XX/XX/XXXX ( giving them 72 hours ), and was told that our authorization was not found. We then were told to re-fax the authorization form, it was faxed AND e-mailed. We then followed up and were being told yet again, that they did not receive neither the fax nor the e-mail. 

I later contacted FDIC, who suggested we contact you all or the CA Secretary of State. Much time has elapsed and here we are with much frustration, again trying to tackle this situation, 11 months later. We still do not know if XXXX has any information on either of our accounts. 

Please note below info for both law offices : XXXX XXXX XXXX, XXXX. # XXXX XXXX XXXX, XXXX. # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Case # XXXX Entered : XX/XX/XXXX ( issued : XX/XX/XXXX ) Amount : {$10000.00} XXXX XXXX XXXX, XXXX. # XXXX XXXX XXXX, XXXX. # XXXX XXXX XXXX XXXX XXXX, A Professional Corporation XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Case # XXXX Entered : XX/XX/XXXX ( issued : XX/XX/XXXX ) Amount : {$8700.00} We are stressed and need some guidance on how to proceed forward with this lien situation. Companies are no longer in existence, no one has any record of us owing this debt. Please advise ... Thank you

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 2016-02-10
Company: KEYCORP
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had an checking account with Key Bank and i received {$200.00} signup bonus. The account is now closed. I still have n't received XXXX from Key bank. I called Key bank, the agent told me that they do n't have any tax document for me. If i do n't that XXXX, i might be in trouble when i file income tax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filling this complaint because I have been ignored by the credit bureaus. My request to be provided with documents that their company has on file that was used to authenticate and verify these accounts and inquiries, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be varied with accuracy, that I disputed. Please resolve this manner as soon as possible I have been dealing with this matter for over four months. 

The credit bureau failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. 
Under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Around XX/XX/XXXX, through the XXXX  XXXX XXXX 's school email, an email was sent to students about an employer looking for a personal assistant. Since it was through the school I believed it to be secure and I applied for the job. On XX/XX/XXXX, I received an email stating that I was confirmed for the job and that I was hired. In the email it was said that I would receive a weekly pay of {$450.00} and benefits, it also listed job tasks that I would have to complete. I was also given onboarding employment paperwork under impersonating the XXXX XXXX XXXX. On XX/XX/XXXX, the " employer '' asked me to mobile deposit a check into my bank account for the sum of {$1400.00}. The check deposited and I believed all was clear. The {$1000.00} was meant to be used for business expenses that the employer wanted me to purchase. Throughout XX/XX/XXXX and XXXX I was told that I needed to buy a variety of gift cards as my job tasks as a personal assistant for this employer. These purchases would add up to {$900.00}. On XX/XX/XXXX I was notified that my bank account was overdrawn for {$900.00} dollars because the check bounced as it was part of a fraudulent scam. I filed a police report with the XXXX XXXX XXXX Police Department as well as the XXXX XXXX XXXXXXXX police department on XX/XX/XXXX. I also called my bank, Wells Fargo, on XX/XX/XXXX right away as I found out that I was scammed. I provided the bank with both case numbers and with as much information as possible. However, I was told that my claim was denied and that I would not get reimbursed.

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 2022-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX Bank of America officially closed my checking account ending in XXXX. {$13000.00} in funds were placed on hold. 
The stated reason for these actions was third party transfers into the account. I rent a property to a tenant. Over the course of a year the tenant paid their rent using transfers from his Bank of America issued EDD debit card. Although these transfers are prohibited by the Bank of America debit card rules Bank of America still allowed the transfers to go through. 
Bank of America has declined to release the funds to me, or to send the funds back to the tenant. I have called the Fraud Department, Risk Closure Department, and General Customer Services Department numerous times over the past 14 months with no positive results and no viable suggested course of action.

At Bank of Americas request, in XXXX of XXXX the tenant attempted to recover the funds through EDD. EDD replied that too much time had elapsed, and they are not able to retrieve the money. 
In XX/XX/XXXX, I filed a complaint with the Office of the Comptroller of the Currency, case number XXXX. On XX/XX/XXXX, Bank of America responded with a letter explaining their rationale for closing the account and stating the funds will be held until their investigation is completed. I had been informed previously over the phone that Bank of Americas fraud investigation finished in XXXX of XXXX, over a year ago. 
Bank of Americas response letter to the OCC case includes the phone number ( XXXX extension XXXX ) of the Regulatory Complaints Senior Resolution Specialist, XXXX XXXX. Over the past two weeks, all my phone calls have gone to voice mail, none of my calls have been returned. 
The funds should be released to me to fulfill the tenants original purpose which is paying their rent.

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