BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-19
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2019 Experian XXXX XXXX XXXX XXXX, Texas XXXX To Whom It May Concern, On XX/XX//2019 I  requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On XX/XX/2019 your agency responded to complaint submitted to the CFPB ( Complaint # XXXX ) stating that you had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. I have sent multiple request to XXXX for validation of debt, they have yet to validate this debt by showing my an instrument of indebtedness.

This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on XXXX2019. 
To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ),  you were required to forward all of the relevant information I provided you to the creditor for their investigation of my dispute. 
Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

Please reply within 15 days or delete the negative items, as originally requested.

Below are the items that do not belong to me that you continue to report illegally. 
XXXX Loans : XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else remove these items immediately. 

I DO NOT BELIEVE AN INVESTIGATION WAS DONE. I DO NOT BELIEVE EXPERIAN APPORPIATELY APPLIED MY EVIDENCE AS REQUIRED BY THE FCRA. I DEMAND TO SEE A CONTRACT/ INSTRURMENT OF INDEBTEDNESS BEARING MY SIGNATURE. I DEMAND TO SEE DOCUMENTATION EXPERIAN USED TO VERIFY THIS ACCOUNT AND TO KEEP THIS ON MY REPORT WHILE IGNORING MY SUBMITTED EVIDENCE.

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 2020-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
My application was denied Due to Excessive obligations in relation to income, I tried calling kohls credit Department to explain to them about my income but, they stated that they got my income and my credit obligations from XXXX. I call XXXX credit bureau and they stated that XXXX never includes annual income in credit report. My credit cards, car payments, mortgage payment and other loans does not even reach 50 % of my income.. they can add up all my payments together and then subtract from my {$7900.00} monthly paycheck and see if I qualify or not? ( annual income is over XXXX per year after Tax ) of course I can provide prove of income either with my Tax return or check stub. 
so I want to know how they got to this conclusion? 
Is this some kind of erroneous, or none-sense excuse to turn down my application? I need an explanation instead of passing me to XXXX   which has nothing to do with My income.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XX/XX/2020 I had an unapproved XXXX XXXX XXXX  charge. I called my bank, Santander, they credited back the charge, cancelled my debit card, I waited for replacement card, received it did not give it to XXXX and then in XXXX the exact same charge appeared in my account again. I spoke with my bank and they assured me repeatedly they would not cancel my card because I just went through this, that it was attached to my checking account and they blocked the biller from my checking account. So XXXX morning I try to order something on-line and my card got shut off again! I have not received a replacement debit card for about 3 weeks now. Talk about having my money held hostage, I can not order a single XXXX gift on line, I have to keep driving back and forth to a bank to cash a check every time I need cash for groceries, gas, etc. Huge inconvenience and no one seems to care. I have incurred fees that I would normally not have to pay bills in person with cash instead of using the apps, etc.

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 2018-03-27
Company: JPMORGAN CHASE & CO.
State: VA
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: Problem with personal statement of dispute

Complaint:
I pulled my credit report, and discovered that late payments were reported for XXXX, XXXX, and XX/XX/XXXX for my account. 

During that time, I was on an around the worldwide XXXX. I wouldnt dare purposely be irresponsible with this account. For some reason, I setup automatic payments, but did not have sufficient funds in the account when it processed. 

The men and women in the armed forces deserve the absolute best financial products on the market. These products should be simple, transparent and offer excellent customer service and an understanding about our difficulties that ensue during XXXX. I sent Chase a goodwill letter explaining my situational and they responded in a very unreasonable manner. XXXX members face unforeseen circumstances daily. We can not plan for everything that happens. 

I believe Chase failed to research my situation and complaint. Everything is not black and white. Although they have a program that allows reduced interest rates during XXXX, they fail to advertise that to servicemembers. When they found out I was XXXX, they could have made consideration for the late payments retroactively. 

My circumstances should be considered and their XXXX policy and advertisement needs to be revamped. They should be here to support not hurt the military.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I had this card for years and used it for my company to buy parts, fuel ... I had 4 or 5 different cards with various employees names on them same account. I called the credit card company and requested 3 more cards for additional employees. Gave the CC Co. the names and DOB of  the employees they said good your cards will be shipped, and they were and I received them. A few days later the cards stopped working, I called the CC Co. to find out what was going on and they said your account was closed, I said why and they replied because I had added new users and they could not verify the new users. I said you already sent the cards shouldn't you verify the users before sending the cards? They said the account is closed I asked to reopen and they refused. Then after thinking about it i realized it is a rewards card so I called back to redeem my rewards and was told to open a claim and they would review it. So I did. I was talking with XXXX and my claim number is XXXX. I asked how many points I had and she told me XXXX points. I asked what does that equate to in cash she said {$1400.00}. After they reviewed my claim I got a letter stating they are unable to redeem my points. I have a credit rating somewhere around 830 and there was no reason to close my account.

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 2018-06-26
Company: Experian Information Solutions Inc.
State: SC
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 had a fraud alert placed on my Experian credit file that indicates anyone who runs my credit needs to call me for permission. That was not done, and that violates my rights as a consumer and I'm now left with several credit inquiries that I did not authorize. I've reached out to Experian several times to advise of my credit being pulled without my permission.

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 2021-09-22
Company: DISCOVER BANK
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 60-30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: EQUIFAX, INC.
State: NC
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 the XXXX report showing that the Chapter XXXX has been removed from due to inaccuracies. I have already disputed this several times ; however NONE of the bureaus have actually taken the time to reach out and do a full investigation with XXXX. I requested that XXXX  send me a complete report ( attached ) which will show that the Chapter XXXX is no longer on the report. It needs to be removed from each credit file immediately. As this is my 4th time doing this. Also, I have attached from each bureau the Information for XXXX/Equifax/XXXX Consumers form that is on each dispute completion that clearly states that XXXX  provides public record information to credit bureaus. The entire report is 80 pages ; please read thoroughly. 

XXXX XXXX XXXX XXXX XXXX XXXX https : //equifaxconsumers.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I WILL NOT ACCEPT THE COMPNYS RESPONSE, I ASK TO BE REINSTATE D ON MY TRIAL PAYMENT, I WAS IN THE HOSPITAL, AND AS FAR AS THE RETURNED CHECKS, I HAVE A PROBLEM WITH YOUR SYSTEM, IT DOES NOT ACCEPT MY XXXX XXXX ACCT, IT WILL ONLY ACCEPT MY SAVINGS ACCOUNT AND AGAIN I WAS IN THE HOSPITAL AND COULD NOT GET TO MY BANK, I HAVE TOLD YOUR REPRESENYTIVES THIS ON SEVERAL OCCASIONS, PLEASE HELP ME, I WAS IN THE HOSPITAL, I NEED TO KEEP MY HOUSE AND CAN PAY TODAY ALL 3 OF THE TRAIL PAYMENTS, I AM A VETERAN, I HAVE XXXX XXXX AND AM XXXX, I HAVE NO WHERE TO GO, I WILL BE GOING TO THE MEDIA AND TO MY CONGRESSMEN, I NEED YOUR HELP AND AM JUST ASKING FOR YOUR HELP, ALSO WHAT HAPPENED TO THE SUPERVISOR WHO CAUSED ME PROBLEMS SAYING THAT MY HOUSE WAS BEING SOLD ON XX/XX/XXXX, PLEASE PLEASE PLEASE PLEASE HELP ME, I CAN SEND YOU THE WHOLE 3 MONTHS OF PAYMENTS TODAY

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 2021-03-25
Company: EQUIFAX, INC.
State: PA
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 am sending this over because there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, ( INSERT CLIENTS NAME ), also did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of15 USC 1681b- ( a ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have a credit card from XXXX XXXX, and I have always made my payments on time. I realized that there was a late payment on my credit report, I called XXXX XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX XXXX and XXXX XXXX  with no successful resolution. Experian, XXXX and XXXX reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.

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 2018-04-13
Company: Experian Information Solutions Inc.
State: NY
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 am contacting you because I am trying to get the 3 major credit bureaus to report correct information instead of fraudulent information in which they have been doing for the past 9 yrs and it is causing unnecessary stress to my health as I am XXXX and my son as he is XXXX as well. Let me first start by saying XXXX is falsely reporting addresses I never lived at as well as credit inquiries I keep asking them to remove because they are fraudulent and do not belong to me and I keep contacting them and sending documentation but they refuse to correct the problem at this point I am seeking an attorney because this has gone on way to fair. Being a victim of identity theft is a lot to handle on its own. Please make these companies stop false reporting because my credit scores should be well over 700 at all bureaus. My problem with my XXXX report is it shows a XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX which doesn't belong to me and is fraud and I would like it removed as well as a address that is fraudulent of XXXX XXXX XXXX XXXX as I have never lived there and this is fraud and I would like it removed because it doesn't belong to me and is fraudulent. As for XXXX there are two fraudulent credit inquiries that need to be removed because they do not belong to me and are fraudulent and I would like them removed from my report they are XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX and XXXX remove these inquiries at once as they do not belong to me. And as for Experian there's a XXXX XXXX XXXX inquiry and XXXX XXXX inquiries that are fraudulent and need to be removed as they do not belong to me.

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 2018-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Hello, This company placed hard inquiries on my Transunion credit report without my consent. I applied for a pay day loan which is not a credit application, and does not require such a credit inquiry. I have attempted contacting the company ( XXXX XXXX XXXX/ XXXX XXXX ) to request they remove these hard inquiries as I did not authorize them and they are not cooperating. Below are the 3 inquires I am disputing, thank you. 
XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX Inquiry from XX/XX/2018 XXXX Finan Inquiry from XX/XX/2018

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 2021-04-30
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2019-03-19
Company: Collection Bureau of America Ltd.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2019, I was called from an autodialer from Collection Bureau of America. The call told me to press one if I was XXXX XXXX. Then told me to wait for the next representative. A representative named XXXX picked up the phone after I waited it to connect me to someone. She informed me that she was with Collection Bureau of America and did not verify any information with the exception of my name, which she had as XXXX XXXX, not XXXX XXXX. She then told me my addresses ( previous and current ). It could have been anyone on the line that she was talking to since she didn't ask me any personal identifiable information. She did not ask for any information from me. I asked what it was regarding and she told me it was regarding a storage bill but she could not tell me the company. Then, she said it was in XXXX, but then said it was in XXXX. She told me I could look it up. I told her there are tons of storage companies in XXXX! I told her I was worried about them reporting to the consumer reporting agencies and she said that it could be reported in 30 or 45 days. I informed her that they had not even sent me any validation and they have not given me the right to dispute the debt. I ended up informing her about that her company violated the Telephone Consumer Protection Act ( TCPA ) and asked to talk to a supervisor because the TCPA violation could cost them a fine of {$500.00} per call. She argued with me stating that she called me and the call was not autodialed, which was a lie. I asked her if the call was manual dialed, why did I have to push 1 to confirm I was the person and then wait " for the next representative. '' XXXX, then, hung up on me. 

I called back, a woman picked up the phone and hung up on me again. Then I called again. The next representative did not want to transfer me to a manager. She ended up transferring me to a manager named XXXX. She told me the company that sent the debt to them was XXXX XXXX XXXX but she had no documentation. She would not give me their phone number either. I told her about her companies violation of the TCPA and that she should speak with her compliance department. I have worked in the compliance department of a third-party debt collection company and in the legal department of an automobile originator and dealt with many issues regarding violations such as TCPA, FDCPA and UDAAP. I know my rights, and my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Paypal Holdings, Inc
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I received notice that my PayPal accounts have been permanently limited. I have two PayPal accounts which are XXXX and XXXX. Ref ID XXXX was issues for XXXX on XX/XX/XXXX at XXXX and Ref ID XXXX was issues for XXXX on XX/XX/XXXX at XXXX. 

I have {$1400.00} in XXXX and {$2100.00} in XXXX which totals to {$3600.00}. This is a large amount of money being withheld from me. 

Week of XX/XX/XXXX, I called PayPal customer service about why my accounts were permanently limited and why my money is being with held from me. The representatives response was that they have no obligation to disclose why my accounts are being permanently limited and my why my money is being withheld from me. 

On XX/XX/XXXX, I sent PayPal a letter requesting why my accounts were permanently limited and why my money is being withheld from me. 

On XX/XX/XXXX, PayPal responded saying that my accounts were reported to be involved in possible fraudulent or high risk behavior. I must want 180 days from the limitation to withdraw my money. 

On XX/XX/XXXX, the {$1400.00} in XXXX transaction ID XXXX and {$2100.00} in XXXX transaction ID XXXX which totals to {$3600.00} was transferred to PayPal citing PayPal 's damages caused by acceptable use policy violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: Big Picture Loans, LLC
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got a {$600.00} loan From big pictures loans come to find out later they are charging me interest rate of 661.4909 %. Massachusetts rules on loans no higher than 20 % APR. I have Reached out several times to big picture loans with no Success.
This company trys to take advantage of tribal immunity and avoid interest caps. it 's the FTC Act grants the FTC authority to regulate arms of Indian tribes, their employees, and their contractors. specifically regarding deceptive payday lenders hiding behind a tribal affiliation.
Please Find documents attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
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: Public record information inaccurate

Complaint:
XX/XX/21 and previously, letter to Experian and XXXX was mailed. I informed them that I had previously disputed Chapter XXXX XXXX, and in response each bureau verified the item as accurate, stating they have verified the information with the court and XXXX. I have contacted both court and XXXX and their response is enclosed.

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