BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-19
Company: Square Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
11 taxpayers paid their tax returns preparation fee through CashApp for a total of $XXXX that I never received. When I noticed I make inquiries through App and received a message that my account was closed for violating the terms. The specific violation was not given to me. Never the less, I followed the instructions to cash my stored balance and it never worked by using a bank account I did not use before; but the message was that the new account was unable to be linked.I sent a letter to the company below in XXXX and I have not received any answer Cash AppXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-01
Company: GREEN ROAD FINANCE INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I paid off the principal balance of my car. I now owe some fees but they are still reporting late payments of fees only to the credit bureaus for fees only and refuse to negotiate so I can pay them off. In fact some of the fees are not fairly assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Bread Financial Holdings, Inc.
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:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor 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 the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Date Opened : XX/XX/2023 Account number XXXX Balance : {$270.00} High Credit : {$270.00} XXXX XXXX : {$200.00} Past Due : - Payment Status : Past due 30 days Not more than two payments past due Last Reported : XX/XX/2023 Date Last Active : XX/XX/2023 There is no such thing as a late payment because the account was paid in full the moment my credit card ( 15 USC 1602L ) was accepted.

Capital one is reporting a late payment onto my credit report. Pursuant to 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I never gave CAPITAL ONE any written instruction to furnish any information on my consumer report which is a violation of USC 1681B. XXXX XXXX has caused stress and anxiety due to the abusive and unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: SYNCHRONY FINANCIAL
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: Old information reappears or never goes away

Complaint:
This company SYNCB/CARE CREDIT has reported in my account an old credit card from 2009 on my report says its closed but labeled revolving. Also when calling them to try to resolve this issue they say they sold it to XXXX XXXX. When trying to get ahold of that company they are no longer in business. So my question is how am I supposed to have this removed from my report if they wont even let me work out a payment arrangement or give me more details on the 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 2020-10-27
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In short I've been fighting this debt for about 3 years now XXXX XXXX XXXX bought my old car loan from Santander USA after it was repossessed when the car was repossessed I only owed about two maybe three months of Miss payments which would have totaled at most a little over {$1200.00} I have contacted XXXX XXXX XXXX let them know this they acknowledged that they had paperwork saying Santander USA would continue my car loan if I paid a little over {$1100.00}, I communicated with them multiple times that that is all I owed once the car was repossessed they were not allowed to be charge for the entire loan they still keep trying to charge me and now I want to stop with me from buying a house and I would like this entire debt removed as they willingly continue to purchase the wrong amount of debt in order to gain the most money for them, if a car is repossessed and is still in good working condition able to be sold again from my investigating they are not allowed to charge the full price of the vehicle but they're still trying to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Halsted Financial Services, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Harassing text messages and phone calls from a debt collector that I do not owe I get a text message from them everyday

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
I'm having difficulty accepting this issue and it's affecting my XXXX XXXX XXXX. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of 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 2020-11-08
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown information on my credit report over 30 days. I have not received a response. I feel like I am being taking advantage of and ignored regarding my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 45 days. Which mean it should be deleted immediately. If they are not deleted from my credit report. I will file for litigation due to the stress this has caused me. My information was also impacted by the XXXX data breach and may have got into the hands of someone else.

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 2019-11-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
company is fully aware this is identity fraud, but are refusing to remove erroneous debt. They are trying to extort me to pay a debt I don't owe. Moreover, they are still using harassing calls and intimidation to force me to pay a debt I do not owe. In addition, they were force to remove previously and replaced it back on my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have XXXX XXXX ACCOUNT / XXXX ACCOUNT closed on my XXXX  / Equifax and XXXX, I already disputed with the company and they said they would remove it and would contact the credit bureaus, and the credit bureaus have not helped or removed it, even though XXXX  / EQUIFAX / XXXX  agreed they would remove within 48 hours because they were unverifiable. it has been months now and it hasn't been removed and it is affecting my credit score and way of living.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: Paypal Holdings, Inc
State: AR
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 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
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: Account status incorrect

Complaint:
15 usc 1681i ( 5 ) XXXX XXXX XXXX I dispute the account but all 3 offices say account accurate how is it accurate how did you verified 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 explanation
Consumer complaint received 2023-06-26
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
Recently I did an investigation on my credit report which caused severe XXXX upon me and found nuverifiable, invalidated, inaccurate and questionable items that your agency didnt make sure it was reporting 100 % correct. In accordance with the fair credit Reporting Act everything has to be 100 % accurate on my credit report and under 15 u.s. code 1681e ( b ) and 15 u.s. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
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 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 2019-11-19
Company: La Casa Bonita Investments
State: TN
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:
On XX/XX/2019, I received a phone call from 1FILE.ORG. The representative said they could help me with my delinquent loans. I gave her my income information and she said I qualified for much lower payment than what I had with my previous loan company. She emailed me an application that evening for me to fill out and return. She stated that I had a fee to pay in the beginning that would be divided into four payments, then my smaller payments would start. This plan would be reevaluated after one year. My first payment came out on XX/XX/2019. I checked my account yesterday because the second payment should have been deducted. If they took a second payment, it was a little lower than my first payment. I am going to call my bank to see what this payment is because I I don't recognize it. Today I received three envelopes from another loan company ( XXXX XXXX XXXX ). One letter stated that my consolidation was complete As I read the letters, the verbiage was different from what was discussed on the phone. I spoke to a representative from XXXX XXXX XXXX and told her about the arrangements that I made over the phone.. She asked if I was dealing with a third party. I told her I only knew of the company that I spoke to on the phone. She said they do not make arrangements like that. The system shows a XXXX payment plan for me for one year. They have not received any payment from me. She said I needed to call the Federal Trade Commission to make a complaint and see where my money is going. The representative at FTC took my information and stated that I needed to call Consumer Financial Protection Bureau.

Company response to consumer: Untimely response
Consumer complaint received 2018-12-04
Company: Experian Information Solutions Inc.
State: NC
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 have been trying to submit these documents online regarding this incident on identity theft and I was given an error message from the online .. so now im upset that I have tried mailing with no success online with no success so now im submitting it this way ... this is regarding the rest of the information that I received regarding the identity theft on my file, .... that I have been going through since 2009 but more recently getting more calls on these accounts that were opened as a result of identity theft and a recent one from XXXX XXXX,,,,,, I have been trying to research who could possibly bee doing this .... I can not change my social security number so I really don't know what to do,. I filled out an FTC affidavit from the .gov website with the accounts that are fraudulent .... the bureaus for the most part have removed the fraudulent addresses and some other personal information that was fraudulent these are the accounts that I have also mailed to you about 2 months ago now at the end of XXXX so im trying to get it to you this way since I can't seem to get it to you any other way so I can finally get all this mess straightened out the accounts are XXXX XXXX   XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX   XXXX and 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 2020-10-27
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:
A Credit Reporting Agency ( CRA ) sent attached letter reflecting the statement " Your written authorization may not be required to constitute permissible purpose. '' Per Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] of the FCRA reflects : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or Are CRA 's relying upon # ( 3 ) for the verbal permissible purpose? If so, should the person be listed on inquiries as the one responsible of pulling credit? If not, what part of the FCRA Section 604 is the reason for the statement " Your written authorization may not be
required to constitute permissible purpose ''? Does the FCRA then allow for that person to share with others?

Are verbal permissible purposes to a person wise in this time, 2020, of rampant identity theft and fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Weinstein & Riley, P.S.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2018, stating they referred a debt that was supposed to be discharged in bankruptcy to another debt collection firm, Weinstein & Riley ( WPR ).  I phoned Weinstein & Riley ( WPR ) and was rudely hung up on by a female agent who refused to listen to me as I told her whatever address they have on file is incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am appalled by the ability of the Credit Bureaus to ignore a consumers ' request for the removal of unauthorized inquiries completely from my Credit report without providing proof of verification! These inquiries are unauthorized and were made due to identity theft. I have never authorized anyone to inquire something on my behalf and by continuing to report these inquiries without proper verification is a clear violation of a consumer 's rights under the FCRA. I am submitting this complaint to request the removal of these inquiries completely from my credit file : XXXX. XXXX XXXX IN XX/XX/2021 XXXX. XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX. XXXX XXXX XXXX XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021 XXXX. XXXX XXXX  XXXX XX/XX/2021 XXXX. XXXX XXXX XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XXXX XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX  XX/XX/2021 XXXX. XXXX  XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Experian Information Solutions Inc.
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 XXXXXXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have a 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 consent.

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 2020-10-27
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We initiated a refinance back in XXXX of this year, XXXX, for our current mortgage with XXXX XXXX which closed in XXXX of XXXX. As appropriate, our loan broker submitted for subordination from our US Bank HELOC account that we opened in XXXX of XXXX. In addition to the order of closing dates of the two loans, ALL documentation ( including county recorded title documents ) reflect that our existing home mortgage with XXXX XXXX is in FIRST position, while the HELOC that was opened subsequent to our home loan is in SECOND position. Despite the complete and total clarity of documentation, US Bank refused to agree that they are in second position, which completely blocked our ability to refinance. We resubmitted several times, we called any number of US Bank reps, I sat at a local branch and pleaded with staff ( who FULLY agreed with me ) to help. The final answer we received after multiple attempts to clarify was that US Bank would not budge. We had provided them ALL the needed documents ... it was not a matter of record, it was a matter of complete and utter refusal of US Bank to look at, respond to, and act appropriately on the documents we provided. At this time, we are unable to refinance due to this egregious and indefensible error on US Bank 's part.

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