BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: TN
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 my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: EQUIFAX, 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/2023 i sent a letter regarding inaccurate unknown things on my report its been more than 30 Days they havent responded yet, i feel like they are taking their time and taken advantage of me by ignoring me. i want these accounts to be removed from my report as per FCRA section 611A. 
I surely was a victim of the equifax date breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: Paypal Holdings, Inc
State: TX
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 blocked my account with the amount of {$1700.00} being withheld from me. They are saying I am not who I say I am, although I have sent them proof they will not give me access to my account. They said after 180 days they would release the funds back to me but its been almost 3 years now. I have called, emailed and still nothing. Im at a loss on what else to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am not liable for this debt with Portfolio Recovery and do not have a contract with them. They did not provide me with any original documents or signatures like I asked. This debt was not properly validated. 
The problem is the company didn't provide the documentation that proves I owe anything. Where is the contract between the company and me? Where is the full accounting because I can't just take their word for it that I owe some company I've never contracted with, some made up number?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
National Credit Systems has reported on my consumer credit report for XXXX, XXXX, and XXXX a debt that I do not owe and they are saying the account is currently open. I do not have a debt with XXXX XXXX XXXX nor did I allow this to be placed on my consumer report so it was done without permission. The dates on the account show that it was active since XX/XX/2016, with account number XXXX. 

In accordance with the Fair Credit Reporting Act National Credit Systems account # XXXX has violated my rights. 

15USC 1681 SECTION 602 states I have the right to privacy.

15USC 1681 sECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: CT
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 is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, I received multiple emails from Bank of America ( BoA ) stating progress in opening a savings account under my name. I do not nor have I ever had a BoA account that I have opened. I called them the same day to report the activity and let them know I did not authorize it, they told me they would send me required documents to complete an investigation. I never received those documents via email nor in the physical mail. After receiving a fraudulent copy of a check from BoA in the mail on XX/XX/XXXX, I called BoA to report this and explain that I did not know who wrote the check to my fraudulent account, but it came from a business in XXXX, MD by the name of XXXX XXXX XXXX XXXX After researching the business, I found a phone number and called them to confront the owner about the fraudulent checks in case they or someone they knew had been involved. Upon calling the owner, she informed me that her account had been hacked and someone had written almost 30 fraudulent checks to seemingly random individuals across West Virginia. All of the names the checks had been made out to people across the state. I called BoA with this information and the business owner 's info who was working with me, and they told me once again they would send me documents to turn in to close the account. I never received them. I chatted with their team via XXXX several times and called no less than 5 times to resolve this, each time they promise to send me the documents via email and they never come. Today, XX/XX/XXXX I received an email saying they couldn't close the account because I did not respond to their requests to submit documents needed to close the account. I called again today and was told I will receive the emailed documents needed to close the fraudulent account. I am unsure if I will receive them, and after 5 months of attempting to close this account no one at BoA seems to want to help me. I do not want this fraudulent account or check to be held against me or my credit when I had nothing to do with it and have been making multiple attempts in between my busy schedule as a teacher to get this account closed. BoA has made no attempt to rectify this issue with me in a genuine way.

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 2023-08-28
Company: American First Finance, Inc.
State: PA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
American First Finance has not provided me with a billing statement, notification of payments due, or any contact since I filed my previous complaint. I have now received a late payment on my credit report. I have not received any notifications regarding billing statements or payments due since XX/XX/2023. 

After logging into the portal, I found that I have been assessed an excessive amount of fees, and the balance has increased from {$100.00} to over {$600.00}. 

American First Finance has violated the Fair Credit Billing Act by not providing any billing notifications.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17
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 PayPal, I am writing to appeal the permanent limitation placed on my PayPal account, which I believe to have been a mistake. I would like to respectfully request that you re-investigate my case and restore my account if possible. 

Firstly, I would like to state that I have not violated any PayPal policies. I have always complied with the terms and conditions of your service, and have never engaged in any fraudulent or suspicious activities. I have been a loyal and responsible user of your platform for a long time, and it is therefore deeply concerning and distressing to me that my account has been limited. 

I strongly believe that this limitation was a mistake, and that there has been some misunderstanding or error in the assessment of my account. I am therefore eager for you to re-investigate my case thoroughly and to consider any evidence or information that I can provide to support my appeal. 

In light of the above, I would like to request that you restore my account and lift the limitation that has been placed on it. This would enable me to resume using PayPal for my transactions and to continue benefiting from the many features and advantages that your service provides. 

I appreciate your attention to this matter and would be grateful for any updates or information you can provide me regarding the status of my appeal. If you require any further information or clarification from me, please do not hesitate to contact me at the email address associated with my PayPal account : XXXX. 

Thank you for your consideration. 

Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I didnt authorize this company to run my credit and now there is a inquiry XXXX XXXX ( Bank XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17
Company: HSBC NORTH AMERICA HOLDINGS 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Bank some how turned off autopay without notifying me, months ago. Although I had multiple points of contact with bank I was never notified payments were not made/ late or that autopay was turned off. Funds were always available. Hold times to speak to a rep are over one hour. Each rep gives different and conflicting information as to which bank account was linked/ why autopay was turned off and how it was turned back on. I was only notified by an third party agency of 30 days delinquent. I made payment that day and paid bank card payment in full. Then magically the autopay was turned back on by bank ( not by me ) to the correct account. Bank does not return calls, makes it impossible to speak to a manager nor can give clear reasons for the failure of communication/ notification. Bank is not making good faith error to correct the erroneous credit report of 30 days delinquent. due to system error or explain clearly the mechanisms that caused the failure. Bank was not able to advise me of when and how I was notified of problems. Further more when I asked to close the account I was told that also could not be done without a call back. That I also never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: SYNCHRONY FINANCIAL
State: PR
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:
The debt on this credit card was dishharged and eliminated from collections but it still appears in the credit history

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 2023-07-24
Company: EQUIFAX, INC.
State: NY
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, 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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: WELLS FARGO & COMPANY
State: WV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We have filed complaint after complaints with the Cfpb. I have sent documentation after documentations. Every time I show that Wells Fargo has lied and still is lying. I sent in XXXX XXXX recites One in 2007 literally I had already said I paid. 
The simple fact is from time we started payments they were already stealing r them. They have been fined for exactly what I have sent in as proof! When will the cfpb actually hold wells Fargo responsible for the years and years of blatant fraud? I have shown payments from my bank and XXXX XXXX. Every complaint has stated they only can go back 7 year!!! 
Now shes telling me she needs bank statements from 2007?? Literally the XXXX XXXX recorrds as to where our ez payments where. To be told wrong number. Its XXXX XXXX and white! When do we Wv get any help from the cfpb?

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 2023-04-18
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA
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 checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2022. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: EQUIFAX, INC.
State: PA
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:
My consumer report has been improperly used and my rights have been violated. 
In accordance to 15 USC 6801,6802. I was supposed to be given appropriate notices to report anything on my consumer report and then be given the option to opt in or opt out of allowing that information to be reported to my consumer report and then be given the exact process to be able to opt out securely.

This information is an invasion of my privacy rights.

The Granm Leach Billey Act 15 USC 6802 states that I as a consumer should receive a notice and that this information can not be reported in public, it is my personal information and the listed items below should be removed immediately because I never received a notice nor did I give my permission to anyone. 
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 I never received NOTICE or gave anyone PERMISSION. Remove these items from my consumer file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18
Company: Navient Solutions, LLC.
State: NE
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
These loans were taken out in XXXX. The school that they were awarded to was XXXX XXXXXXXX XXXX The degree received is not accredited and can not be used to get an advanced degree. 

There are 3 loans : Loan 1 was disbursed for {$29000.00} in XXXX. We have paid {$34000.00} towards this loan ( minus late fees and other charges ) ; the current balance is {$25000.00}. We are currently paying {$240.00} towards the loan with {$22.00} towards principal and {$220.00} towards interest. 

Loan 2 was disbursed for {$28000.00} in XXXX. We have paid {$31000.00} towards this loan ( minus late fees and other charges ) ; the current balance is {$24000.00}. We are currently paying {$230.00} towards the loan with {$20.00} towards principal and {$210.00} towards interest. 

Loan 3 was disbursed for {$11000.00} in XXXX  We have paid {$8600.00} towards this loan ( minus late fees and other charges ) ; the current balance is {$7100.00}. We are currently paying {$51.00} towards the loan {$13.00} towards the principal and {$38.00} toward interest. 

We still have over 200 payments to make on all 3 loans. That would total over {$110000.00} in interest payments over the next 17 years. This predatory lending and variable interest are stifling our ability to survive. We have no recourse in this matter because it's all " legal '' but I think it's absurd to pay double what was borrowed in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Before closing my account, Bank of America allowed wirings ( what I thought were legit ) to a timeshare scam in XXXX. I was threatened with legal action on behalf of XXXX Government, so I was forced to wire money. Bank of America did not diligence in protecting me and I lost over {$600000.00}

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 explanation
Consumer complaint received 2023-07-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made the same mobile deposit I make every week for my payroll on XX/XX/2023 before XXXX to Citizens Bank . My payroll check is drawn off the same bank as my personal account and is usually available the minute I make the deposit. The bank however put a hold on my check and are not releasing my funds. In the meantime, payments for my house and school taxes went through and my account is negative while they are holding my money. Their policy states a one day hold, and if there is a 2 day hold {$220.00} will be released the following business day, which is today. Yet, they are saying there is nothing they can do about it and it won't be released until Tuesday XX/XX/2023. I have spoken to local office, back office and back office supervisor. They gave me case # XXXX and expect to have a response in 1-2 business days, which is after the check will clear.

Company response to consumer: Closed with explanation