BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. i filed necessary reports with police and ftc. I contacted this company multiple times and even disputed the account with the credit reporting agencies. I even filed a complaint through this portal before! it led to portfolio recovery associates sending me a validation letter with my name on it with bill from the original creditor that were sent to an address I never lived it. they never produced any documents with my signature, Identification or anything. Ive never even had the phone number associated with the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-06
Company: EQUIFAX, INC.
State: AR
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:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to you because I am concerned about the accuracy and honesty of credit bureau 's data.My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I challenge you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXX  XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed. The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts. Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!

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 2023-04-25
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear Support, I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account, which I believe was made in error. My account 's email address is XXXX and I would like to appeal this decision and request that you re-investigate my case. 

I want to emphasize that I have never violated any PayPal policies, and I believe that this limitation is a result of a misunderstanding or an error. I am confident that upon further investigation, you will find that I have complied with all of your terms of service and have never engaged in any prohibited activities. 

I urge you to carefully review my account activity and consider the possibility that a mistake has been made. I would like to ask that you restore my account to its previous state if possible. I understand the importance of maintaining a safe and secure platform for all users, and I am committed to cooperating with you to resolve any issues that may arise. 

I respectfully request that you take the necessary steps to investigate my case thoroughly and restore my account if it is determined that the limitation was made in error. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: LAKEVIEW LOAN SERVICING, LLC
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was working with the Lakeview Loan Servicing since the end of XXXX of 2021. I wanted to refinance my home at a lower rate. My loan officer was XXXX XXXX. He told me that refinancing process will be easy and would not take more than a month because I was an existing customer and the company had all my records. He told me to make a XXXX payment and skip the XXXX payment. On XX/XX/XXXX I called mr.XXXX. During this conversation he told me to make the XXXX payment and dont worry about the late fees. He told me that the late fees would fall out once the refinancing process is complete. I mailed the payment the same day. After that, I have not heard from Mr.XXXX at all. I left multiple voice mails and emails but he was unreachable. On XX/XX/2021 I found out ( from another representative ) that my loan application was denied because of the late payment in XXXX. The same day I spoke with the Vice President of the company - XXXX XXXX. XXXX XXXX promised to take a look at the situation and call me back the next day. I have not heard from him.

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 2023-07-13
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone open a checking account in my name fraudulent

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 2021-12-16
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

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 2023-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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  Account # XXXX XXXX ( XXXX XXXX ), XXXX XXXX ( Capital One ), XXXX ( Kohls ), XXXX ( XXXX ), XXXX ( XXXX ) has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer card plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
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: Reporting company used your report improperly

Complaint:
In America through its constitution, laws and understanding of knowledge. We all have an equal chance to better ourselves through action. With that said, in accordance with the Fair Credit Reporting act, the List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights, it isn't fair to publicize someone's information unwillingly as they are learning and growing in a society that continues to bumbard us with countless hidden fees and many of contracts with unconscious terms in fine print. 
XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXXK Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2019-12-23
Company: EQUIFAX, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2019 I XXXX XXXX sent a dispute letter ( certified Mail ) to Equifax Legal Department and it is now XX/XX/2019 and I have yet to receive a response. It has been more than the required time frame for them to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: National Credit Systems,Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, National Credit Systems submitted a collection item to XXXX, XXXX, and XXXX. National Credit claims that a balance of {$1200.00} was due to XXXX XXXX ( the original creditor included in the debt collectors submission to the credit bureaus ), however, no such account has ever existed with XXXX XXXX. 

National Credit System has sent a move out statement for an apartment that I lived in from XX/XX/XXXX to XX/XX/XXXX. There should not have been an outstanding balance due to my landlord ( XXXX XXXX XXXX ). A security deposit of {$2900.00} was paid on XX/XX/XXXX ( see page 29 of 73 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: EQUIFAX, INC.
State: NV
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: Investigation took more than 30 days

Complaint:
I have requested multiple times the unacquires be removed of my credit profile. This issue has limited my ability to seek employment, obtain credit, and I am not able to get loan and credit that qualifies to my personals because of this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Ocwen Financial Corporation
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I moved in to my rental due to finical problem found out later it was Identify theft. I started a home modification in XXXX. it took 5 months for the go-ahead. They kept asking for the same paperwork I gave in the beginning. I made the 3 payments in a row. All the while I was getting foreclosure notices ocwen said disregard there not valid. I got a few and called in not valid do n't worry. So the payment where done. I received the paper work upon receiving I was rushed hurry get them back. Upon ready there was a balloon payment of {$27000.00}. the loan started at XXXX paid for 13 years XXXX and financed XXXX just to have a balloon of XXXX. They tried to sneak in. I called in and it was interest on interest. I denied and was goanna refi only to find out it was foreclosed on in XXXX so the lender would not touch. So now I 'm about to be kicked out. And the Kicker is there to blame for the Identify theft. They let some one assign themselves as account manager XXXX on my loans and they switched it around so I did not have access to my own account got. I Finally got the account back and had it done again in XX/XX/XXXX I was at a loss of how someone not on the loan could do that. I had to fight to get the account only to be months behind. I had to fight to get on like they where not my loans

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 2021-12-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My Citizens account was overdrawn by {$510.00} total over a matter of days. I was charged 5 overdraft fees.I recieved an email and text from Citizens at XXXX on XX/XX/2021 stating I was overdrafted {$510.00} and if I made a deposit by XX/XX/2021 by XXXX NO fees would be accessed. I reached out via chat, email, XXXX, XXXX, and phone. I was told by XXXX XXXX " noones going to help rebate that '' even though I sent over email of proof dated XX/XX/2021 by XXXX. A deposit of {$1000.00} was in my account before XXXX XX/XX/2021 therefore meaning any fees assessed on the {$510.00} the email stated would be refunded. I was told no that i would not be refunded and " noones going to rebate that ''. I followed my own banking institutions email instructions and still being charged multiple overdraft fees I would like refunded. They call it " peace of mind '', but if they dont do what their text and email specifically states what kind of " peace of mind '' is that?? I just want my account rectified by having fees rebated as email to me on XX/XX/2021 at XXXX said I would be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
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: Personal information incorrect

Complaint:
Good Morning! 

This is not the first time that I try to fix and innacurate item on my report, the Credit Bureaus have failed to continue with the correct process, they have stop answering the letters and are not willing to work with me by showing me proof that these accounts are accurate. 

I will load all the letters that Ive sent since last year.

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 2018-01-04
Company: WELLS FARGO & COMPANY
State: VA
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 DID NOT AUTHORIZE THIS 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 non-monetary relief
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-07-13
Company: Williams & Fudge, Inc
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
They have called my mother, my aunt, my uncle and my father. Even though none of those people I have any form of relationship with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: CREDIT ACCEPTANCE CORPORATION
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Ok so the Credit Acceptance calls several times daily are irritating. let me tell you why .... 
1. ) Covid XXXX up XXXX 2. ) My husband left XX/XX/XXXX and stuck me with every single bill 3. ) I lost my job due to covid XX/XX/XXXX and WAS NOT eligible for unemployment 4. ) I have a XXXX  that has XXXX XXXX and XXXX 5. ) THEY TOOK OUT DOUBLE PAYMENTS FROM XXXX, XXXX, XXXX & XX/XX/XXXX that I DID NOT AUTHORIZE!!!!! 
6. ) Because of said double payments being taken, I technically didn't owe a car payment until XX/XX/XXXX BUT they claimed I was several months behind even though I wasn't because of the non-authorized payments being taken. 
Now, I have been without a vehicle since XX/XX/XXXX because the repo 'd and I'm not able to get my XXXX  to her XXXX treatments. So no, when they call, I will not answer. I made {$480.00} wages in XXXX because of covid. That's less than my car payment of $ XXXX. My tax money from last tax season was set aside for that payment until they took out double payments. So yeah, please tell me why I should answer my phone when they are this terrible. I had a XXXX XXXX ... .which isn't the car I wanted originally. I wanted one that was cheaper that I would be able to pay off in 24 months not 5 1/2 years at $ XXXX but they refused to approve a cheaper car in my budget. 

Sincerly, A very XXXX off ex-customer 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 2023-06-08
Company: ONLINE Information Services, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-17
Company: Grain Technology, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Hello I have a account with Grain for almost a year now the company is big on how they allegedly helps everyone obtain credit with no credit check which is great. What they don't tell you is you make one mistake you are on your own. I have several credit cards and I discovered the best way to insure all your payments are paid on time when due is by selecting auto pay set it and forget it. Which is how my Grain account has been operating I would get an email stating my payment was received been set up on auto for almost a year. All of sudden at the last minute I received my statement in my email I opened it to see it said I was 30days late which made no sense seeing how Im set up on auto pay. So I immediately reached out to them could get anyone on the phone due to holiday so I sent a chat message. I finally get a reply stating we are sorry but out third party company lost a connection to your bank then she sends me a link to pay. I go ahead and immediately pay it up i owed 40.00 and i paid 60 the account is practically paid off as it is I always stayed within 30 % of my credit limit and never been late until I find out at the last minute my bank needed to be relinked. Well and email would have been nice or any type of notification I didnt get anything until the last minute. As a result of the I end up with a 30 day late which is very unfair to me based on why this happen. Most companies will notify you after yo missed your payment date apparently they just wait 30days so you can get a negative impact to your credit. This has caused me to not be able to get my pre approval for my home very disturbing. I hope you can help with this.

Company response to consumer: Closed with explanation