BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-17
Company: Paypal Holdings, Inc
State: MD
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Pay pal is issuing credit cards with a revolving line of credit without the consumer submitting an application. I made a purchase and it automatically opened up a PayPal credit account. I called customer service to have them close the account and they said that I filled out an application, which I had not. And, they said that they would close the account but that I would have to submit in writing a request to have the inquiry removed from my credit report. This conversation took place less than an hour from the time I received the email saying " welcome to PayPal credit ''. Almost all of the links on this welcome email direct you to a splashy video on how you can get what you want when you want it. It is very difficult to find where the late payment fees and the annual percentage rate fees are.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
This loan was open at Wells Fargo Bank without my consent and my signature and i did n't approved or apply for this loan, and Wells Fargo is saying that i open this loan and that the loan was been paid by me from my acct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions 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:
This uncertain accounts listed below continued to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$9.00} ; XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXXXXXX XXXX Balance : {$23000.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$450.00} ; XXXX XXXX  XXXX Balance : {$0.00}

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 2020-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi Bk of America ; Why am I seeing incomplete, and unverifiable information ... ..I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2020-03-05
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I got my credit ran today XX/XX/2020 because I am in the process of refinancing my car, however, I was told that I would be unable to refinance right now because there is an account from XXXX XXXX XXXX in negative standing appearing on my credit report. I did not open this account nor did I allow anyone to open this account in my name using my personal information. I did not benefit anything from this account such as money, goods, services or any other benefit and I never made any payment towards this account. I have done everything I can to get this incorrect information off of my credit report such as notifying the company that's reporting this account as well as filing a police report.

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 2022-07-11
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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:
In accordance with the Fair Credit Reporting act NISSAN MOTOR ACCEPTANC ACCOUNT # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Date of transaction :  XXXX   XXXX ,   XXXX   Amount : {$300.00} Actions : In response to this issue, I visited my branch of Chase bank  ( i n Texas ) for help. They notifi ed Mother 's  branch ( in Idah o ) that  she must show identification now. However, my branch says " known customer '' withdrawals without identification are legal.     Desired action from the bank : Restore the withdrawal.     Issue : Mother 's bank says she is a " known customer '', so they allowed her to withdraw without identification. However, they did not know that she had a  XXXX    XXXX   XXXX   XXXX  , and can absolutely not be a known customer, and that her grandson coerces her for money. We want the bank to restore the funds they allowed her to withdraw, because we believe identification is a security requirement that they allowed to slide.     Mother now lives in   XXXX   XXXX   XXXX   XXXX  , with the right to come and go. This means others may take her out for visits. Her grandson is a   XXXX   XXXX    XXXX  adult. He took her to the bank.     We thought her finances were safe because we ( sister and I ) have her identification, credit card, bank checks, etc. I 'm her financial power of attorney and have been added to her account. As a result of this withdrawal, I have learned about conservatorship and have requested an application.     Mother 's income is minimal. She receives Social Security and a small insurance annuity. Nearly all of her income goes to the   XXXX   XXXX   XXXX  , medication, and hospital costs. She can not afford this loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This uncertain accounts listed below continued to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$9.00} ; XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXXXXXX XXXX Balance : {$23000.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00}

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 2022-07-11
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2018-01-09
Company: JPMORGAN CHASE & CO.
State: GA
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:
XXXX client, XXXX XXXX is a victim of identity theft. A current XXXX, XXXX and XXXX credit report reveals that a fraudulent application was submitted with her information that resulted in a fraudulent inquiry with Chase/XXXX that she did not authorize XX/XX/XXXX. A previous official dispute of this item was already sent to Chase/XXXX XX/XX/XXXX and again XX/XX/XXXX however as of this date Chase/XXXX has not sent a reply which is a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Bank of America ( BOA ) Sold and Invalid DEBT and Loan ( HELOC ) on my Primary home to XXXX XXXX XXXX ( XXXX  ). I have had an on-going and un-resolved dispute with BOA and even though your CFPB show the original dispute has closed - it was never actually resolved. I attempted to resolved with Bank of America of over 5 years now. 
Bank of America did not resolved the the matter rather sold the Loan in XX/XX/XXXX Servicing Released, which I believe was not a valid debt to XXXX and never resolved the original dispute. I have filed a complaint with CFPB on XXXX  as well.. 
XXXX is Relying and using Erroneous information provided by BOA to now Attempt a Trustee Sale on  XX/XX/XXXX. CA Foreclosure Law and other breaches are eminent. 
By both BOA and 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 2020-03-05
Company: Lending Club Corp
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
On XX/XX/XXXX I signed a loan agreement with Lending Club to refinance my vehicle. The payoff check was supposedly was sent on XX/XX/XXXX. My payment for my lienholder XXXX XXXX XXXX XXXX XXXX is due on XX/XX/XXXX and Lending Club is asking me to make my first payment on XX/XX/XXXX. The lienholder has not received the check as of XX/XX/XXXX. Lending Club tells me that they sent out a new check overnight on XX/XX/XXXX and said it will take 5-7 business days for the lienholder to process. I asked that my first payment with Lending Club be changed so that I will not have to make two payments, as I was told that I need to continue making payments until my payment with the lienholder has been finalized. Lending Club said that they can not change the due date of the first payment. I have been lied to by their customer service reps as they told me that the first check was lost and a second one was sent out on XX/XX/XXXX. I confirmed with another customer service rep, that was not true and no second check had been sent out. I was told by a another customer rep that an extension could be done on the first payment, which was another lie. I talked to a supervisor named XXXX on XXXX and he promised he would " get to the bottom of this '' and promised to contact my original lienholder to see what the issue was, and would call me back later that day. I called back shortly before they closed after not receiving a call and was told that XXXX was no longer in the office. I have been getting the run around with them since day one.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: Diversified Consultants, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For the last 5 months I have been harassed by a creditor for a cell phone debt that is not even mine.They call at  XXXX    XXXX    at night,  they call from all different phone numbers including  XXXX  's and my local area code, and now even private.It is  XXXX   XXXX  right now and received 39 calls from  them.When I d o answer they do not even speak and they just sit there as I say he llo 8 times.Yesterday ca lls from this creditor started at  XXXX   XXXX    XXXX    in the morning! It i s affecting my sleep and job performance since at times I have   XXXX .This  company that goes b y Diversified Consultants ar e straight out harassing me and im fed up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Okay I sent in dispute letter to Transunion and I also sent in last year some ftc report stating that certain accounts wasnt mine they still chose to keep those accounts that wasnt my on my credit report so yes this is most definitely a problem they didnt investigate anything properly so I file a police report on one of the accounts that I stated wasnt mines after Transunion still kept it on my credit report when I politely ask them to remove it something need to be done about this ASAP please remove the fraudulent account from my credit report this account is XXXX XXXX XXXX balance on this account is {$520.00} please remove this or I will be taking legal action Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
This was escalated to claims with a complaint on  XX/XX/XXXX . My son deposited a check in his  ( min e joint ) checking account with Bank of America for {$400.00} in  XXXX   XXXX . He did this physically at the ATM. Before that happened he took a picture of the check and it failed to deposit so that is why he took the physical check to the ATM. He received his {$400.00} and never anything more this was in  XXXX  of  XXXX . In  XXXX  of  XXXX  he gets no warning what so ever and the BOA took that {$400.00} out of his account leaving him negative and without any $ $ going on a week now. BOA states they sent a letter after the money was taken from his account but we have not received it. I have called the bank several times and each time I am on the phone re-explaining my story over and over with no help. My calls are lasting anywhere from 40-60 mins. Instead of listening to me they keep trying to tell me the check image was not clear ( mobile picture ) so it was returned and the $ $ taken back. The problem being the mobile deposit did not go through we never received an extra {$400.00}. We only received on {$400.00} deposit from physical check. This is absolute insanity. This caused the account to be negative and left us with no $ $ in the account for almost a week now. I am utterly disgusted with the inability to trace back the circumstances and get my account credited in a timely manner. As of this write up I am still waiting for a resolution. They have been incompetent and have caused financial distress. I am disgusted! I can be reached at  XXXX   XXXX   XXXX . Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-18
Company: FACTUAL DATA CORP.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My bank pulled my credit report from Factual Data XXXX, CO., found that XXXX accounts that had been undated by XXXX on the XXXX credit report, had not been updated by Factual Data therefore causing a lower credit than what XXXX or XXXX has.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection  ( 8 ) ( D  ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database  XXXX  search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that is authorized to do so.   Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.   I will expect you to notify me the results of your investigation within  5 bu siness days from the completion of your investigation. In addition, I will expect you to complete your investigation within 30 days from the date you receive this dispute or the item being disputed will be unverifiable.   The items that appear on my credit report a s : 1.    XXXX   XXXX   ACC BAL {$450.00} This account is a HIPPA violation please delete.   2. XXXX   XXXX   XXXX   XXXX   XXXX  Never done business with company error please delete.   3.  XXXX    XXXX  ACC BL {$430.00} This account is a error please delete.   4.  XXXX  ACC BAL {$330.00} This account is error never done business with this company please delete.   5.   XXXX   XXXX   XXXX   ACC BAL {$330.00} This is a unauthorized access to my credit profile error please delete.    6  XXXX   XXXX   ACC B AL {$240.00}, {$270.00} This account has no details never done business with them. I do not recognize this company please delete.

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 2016-09-30
Company: Paypal Holdings, Inc
State: MI
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
PayPal has used deceptive tactics to trick me and others into signing-up for PayPal Credit. PayPal Credit then makes it EXTREMELY DIFFICULT TO CANCEL the unrequested and unwanted service. They offer two options : 1. Call their XXXX # - they never answer the line 2. By Mail - this method requires you having your PayPal Credit Account Number. If someone has never used ( i.e., charged something against PayPal Credit ) the service, you have no Statement which is the only means of obtaining the Account Number online. 

This makes it impossible to cancel. They have negatively impacted my credit score which has impacted my interest rate charged when trying to finance large purchases.

Company response to consumer: Closed with explanation