BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-22
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:
In about mid 2021, I attempted to make an XXXX purchase through the PayPal service. I was unable to make a purchase most likely because I was using a XXXX service that triggered a fraud detection. This was a common issue with other websites and was resolved by temporarily turning off the XXXX. People around the world legitimately use XXXX services without any nefarious intent, but rather for security as was I. 

My PayPal account would become permanently limited without explanation. Instead of going back and forth with PayPal, my preference was to simply delete my data and close the account. I did not want my information out there in case of a data breach or hack. I do not concerned that PayPal would not sell or allow my information used on their site. That is not enough. I do not trust their cyber security and neither should anybody else. We each are responsible for our own security in this era of cyber hacking. 

PayPal is not justified refusing me to delete my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: Experian Information Solutions Inc.
State: AL
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:
The consumer reporting agency are in clear violation under 15 USC 1681 ( 2 ) ( a ) ( i ) and 15 USC 1681b .We did not give them any written instructions to furnish this on our credit report. I sent certified mail and feel like I'm being taken advantage of and being ignore by my disputes. We demand these accounts to be deleted immediately or we will file for ligation.

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 2019-11-14
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I used to have auto payment on my Target red card but after losing my job because my XXXX have tried repeatedly to STOP the auto payments. I have emailed, messaged them, written a letter and the last TWO months called them and demanded they STOP attempting to debit my checking account. They are causing MANY, MANY overdraft and return check fees. Last call, I recorded it and advised them I was doing so, they are STILL trying to debit my checking account for payments. I also told them I was in the process of filing bankruptcy and they had NO right to continue trying to charge me and not give me the option of stopping payments online ( because I can't it always tells me a payment is in process even though they have NO authorization to continued to do so. I want ALL debit fees/overdrafts and fees on their end reimbursed to me NOW!!! They are STEALING from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

XXXX XXXX XXXXY Last reported XXXX XXXX XXXX {$1900.00} Reported balance I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last XXXX months, or the last XXXX years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a balance transfer balance not due until XX/XX/22. Without me asking, in XXXX, they began a " deffered interest rate '' on new purchases until XX/XX/22. When I made payments, they credited the balance transfer balance vs recent purchases. This gave me less time on my balance transfer balance! I submitted messages & made phone calls but they still wouldn't fix it. I felt this was all illegal and wrong and closed the account. I attempted another try via message. Finally somebody listened and reallocated the payments. However they then charged me a balance transfer fee! I called and the lady said she agreed it was wrong and they were having problems with their system crediting payments to wrong promotions etc etc. She would submit a request to reverse the fee. It may take 2 billing cycles! 
I have excellent credit and pay close attention to this stuff. I know others do not and they are being scammed without knowing. I really feel an investigation is needed into this company 's practices.

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 monetary relief
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went to check my credit report after almost a year, I am seeing that a number of unrelated accounts that are definitely identity theft are showing up and affecting my credit score. I was never called or contacted about these accounts that I never opened but they are on my account and affecting my credit badly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-22
Company: Experian Information Solutions Inc.
State: FL
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:
This company has obtained my personal identification under false pretenses.This debt is damaging my credit report. Pursuant to 15 U.S. Code 1692a ( 6 ) and has violated my right to privacy by committing identity theft. 15 U.S. Code 1681a - Definitions ; rules of construction ( q ) Definitions Relating to Fraud Alerts. ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. These companies has never received written instructions from me authorizing the furnishing of any information to third parties in violation of 15 U.S. Code 1681b.Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

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 2018-02-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
IN REGARDS TO : XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. I SENT A CERTIFIED LETTER XX/XX/2018 RECEIVED BY AGENT XXXX. I HAVE NOTIFIED THIS COMPANY THAT THEY ARE REPORTING INACCURATE INFROMATION ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME. I HAVE NEVER DONE OR EVER EVEN HEARD OF XXXX XXXX XXXX NOR HAVE I USED THEM. THEY ARE REPORTING ONLY ON MY EQUIFAX CREDIT REPORT AND I DONT KNOW WHY. I SENT A DETAILED LETTER ASKING THEM TO PROVIDE PROOF OF VALIDITY OF THE DEBT THEY ARE REPORTING ON MY CREDIT REPORT? I ASKED THEM FOR VALIDATION AND VERIFICATION INTO THE ACCOUNT? THE INCORRECT INFORMATION THEY ARE REPORTING IS NOT MY ACCOUNT. I ALSO ASKED THEM TO PROVIDE THE ORIGINAL COPY OF THE DOCUMENTS BEARING MY SIGNATURE? PROVIDE ME WITH A COPY OF THE ORIGINAL CONTRACT BEARING MY SIGNATURE? PROVIDE ME WITH PAYMENT HISTORY FROM THE ORIGINAL CREDITOR? WHEN WAS THE LAST DATE A PAYMENT WAS MADE ON THIS ACCOUNT? PROVIDE ME WITH COPIES OF ALL LETTERS SENT TO ME FROM YOU AND THE ORIGINAL CREDITOR REGARDING THIS DEBT ACCOUNT? 

AT THIS TIME, I WOULD ASLO LIKE TO INFORM YOU THAT IF XXXX XXXX XXXX OFFICES CONTINUE TO REPORT INVALIDATED INFORMATION TO ANY OF THE THREE CREDIT BUREAUS ( EQUIFAX, XXXX, OR XXXX ) THIS ACTION MIGHT CONSTITUTE FRAUD UNDER BOTH FEDERAL AND STATE LAWS. 
DUE TO THIS FACT, IF ANY NEGATIVE MARK IS FOUND ON ANY OF MY CREDIT REPORTS BY YOUR COMPANY OR THE COMPANY YOUR REPRESENT, I WILL NOT HESITATE IN BRINGING LEGAL ACTION AGAINST YOU FOR THE FOLLOWING : * VIOLATION OF THE FAIR CREDIT REPORTING ACT *VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT *DEFAMATION OF CHARACTER IF PROPER DOCUMENTATION IS NOT PROVIDED AS REQUESTED AND VALIDATION ALL REFERENCES TO THIS ACCOUNT MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE AND A COPY OF SUCH DELETION REQUEST BE SENT TO ME IMMEDIATLEY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-28
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
2019 has been a challenging year for me with a chapter XXXX, along with a loss in employment. XX/XX/2019 I had finalized a chapter XXXX resolving my debt, although it did not help when trying to get help from Ditech. I was behind on my mortgage informing Ditech of my situation the request to suspend my payments did not get approved along with requesting a home modification. I was delayed twice with the application by Ditech, stating i did not provide sufficient information, which is inaccurate. One blank page of my bank statement was not included, therefore flagging my application to be incomplete. Why is this important, bc it delayed my modification process. Well, based on what they have claimed, ditech would not allow for a modification due to one being implemented within a 1 year period. This makes no sense to me. They made me wait two months to tell me they would not grant a modification bc I had a modification within 12 months? This is inaccurate. It was over 12 month since my last modification and what does a 12 month timeline have to do with a request for modification? I believe this shows that I am willing to find a solution to solve my financial difficulty, in good faith that I want to stay in my home and pay my mortgage. My account needs to be investigated bc they never forgave my mortgage, the suspend a percentage of my mortgage and increase the repayment time over 40 years, leaving me with a heft lending rate and a heft balance. In addition to they placed my house into foreclose XX/XX/2019 and since XX/XX/2019 i have found secured employment, allowing me to now afford a mortgage repayment and bring my account out of foreclosure. My account is still shown open, the payment in back payments is shown that I can make a {$14000.00} payment to bring my account current, yet Ditech is indicating that there are " anticipated fees '' that is my responsibly? Wait, i am in the position to make a payment but now you want me to incur fees that i have not incurred? Do they want me to become current and stay in my home or are they trying to penalize me for falling behind and falling into financial hardship? This is a horrible feeling and as I try to resolve a financial deficiency, why am i being penalized for this and not allowed to make a payment directly to the bank? 

in addition to, how does Ditechs financial bankruptcy play into my mortgage?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit reporting act this creditor ( Capital one ) has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15USC 1681 section 604a section 2, also states a consumer reporting agency can not furnish an account without my written instructions, under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I ask you kindly to delete this account since it is not mine since I am quite irate that they are showing up on my credit report. By letting me go through this, they really let me down, and I feel awful about it. I want the company to remove this as quickly as they can off my credit record. Definitely not mine!

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 2019-12-28
Company: Navient Solutions, LLC.
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: Information belongs to someone else

Complaint:
I never went to this school or any school. I never obtained Federal Student Loans of any kind. The information on my credit report is fraudulent. I have made an identity theft report to the police several years ago, yet Navient is still posting negative marks on my credit report. Please make this stop so I can go about my life with decent credit. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-28
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I am leasing a XXXX XXXX XXXX from Santander consumer USA. The car had check engine light on when I signed the lease and the engine has never gone of. However, the problem is with the monthly payment. I understand I signed the lease and therefore, it became my responsibility. However, I believe the car was never worth the value of the payment I am making. I am paying {$300.00} monthly for 72 months. That amount is just unbelievable! I have called them multiple times to try to work on reducing the payment to allow me make the payment on time. The have always stuck to the fact that I signed the lease. I was not properly educated about the cost of the leasing and I had no experience on car leasing. I have done everything possible to try to make the payment but it keeps pulling me down on my financial obligations. I have to always have full coverage insurance that is also increasing the cost of my monthly payment. I believe this is a sort of scam that is continuously pulling inexperience lessee like me into financial difficulties. The interest rate is killing me. I believe I have not been treated fairly with respect to the pricing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Contacted Equifax in reference to data breach and information on my report not being correct. I applied for an Assistant Manager position at a XXXX XXXX ask for XXXX and end up having to take a XXXX pay cut due to incorrect items being on my report that I had no knowledge of. I have a email from the Regional Director and HR explaining to me that I had to explain my situation and what happened with my credit therefore they couldnt do my asking price because of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XX/XX/2019 I sent you a letter requesting that you provide me with the original documentation that bears my signature for my account, you then took the liberty to reply back with my Credit report claiming this account to be verified without sending requested document. As a consumer I have the right to request such documents and you have the responsibility to disclose this info to me. Please do not send me another letter refusing to investigate this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am having a identity theft issue that I am not able to resolve directly with the credit reporting agencies or the companies. I have decided to file complaint for myself in hopes that the back and forth ends here. I have already open a case with the US Federal Courts to assist me with the suffering this has caused. I had to do my own research into the matter and I find that the credit reporting agencies reporting fraudulent accounts to my credit file without my permission is a consumer law violation per 15 USC 1681 ( b ). Acct # XXXX, XXXX XXXXXXXX  XXXX XXXX, XXXX XXXX XXXX are accounts not to be listed on my credit file someone else used my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: Experian Information Solutions Inc.
State: GA
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:
Hi sir, I have sent multiple letters and i am just baffled at this point that YOU cfpb do not do anything even though i have proof that the negative items on my credit report are incorrect and violated the law. I feel like there has been an unauthorized used of my credit report. I attached all the letters i have sent and never received an answer.

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: 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:
Credit bureaus fail to delete a bankruptcy account listed on my credit report stating that the public record was verified by a third party, XXXX XXXX. I called XXXX XXXX to check why they are still verifying an account that they delete from their record because they cant verified their accuracy more than a year ago. They state that it was deleted from their verified files but still remain in the unverified files. I requested they delete it from the unverified file and send me a new corrected copy of my record. They delete the file on XX/XX/2023 and send me a copy of my file corrected, but still show in my record with your Bureau. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file concerning the accounts that you are reporting in my credit report.

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under FCRA 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. the [ FCRA 623 ( b ) ( 1 ) ] ( FCRA 15 U.S.C. 1681i, al inaccurate, incomplete and unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on your file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
If you dont investigate and respond.

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