BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. Everything has to be 100 % accurate on my credit report. 

RE : XXXX XXXX Account : XXXX The credit bureau stated my account was properly investigated and accurate, however that is not possible because there are still inaccuracies remaining on my credit report. 
Attached is a copy of my report with the inaccuracies circled in red. 


In accordance with the Fair Credit Reporting act XXXX has violated my rights. 
XXXX 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 2016-05-31
Company: Big Picture Loans, LLC
State: OR
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I borrowed {$400.00} in XXXX XXXX, I was told the total I had to pay back would {$620.00} in XXXX payment. It is XXXX XXXX. They will not return my call or email, give me my login information, since they have blocked me. They are still pulling {$220.00} out of my account. I have paid them {$1800.00}. How do I stop them and get my money back. They are complete XXXX. I want to sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: ROBINHOOD MARKETS INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Robin Hood hasnt verified where my money went. They continue to lie by saying my disputes are out of their hands when I didnt receive full credit for returns. XXXX XXXX, XXXX, or pay fees that werent in our terms and conditions. Ive reach out several times. However, they still continue to direct me to the app even though they closed my account for suspicious activity, which makes perfect sense given the fact I sold all my stock. The app has never protected my identity, they sold my stocks for more than the actual price and refuse to provide a written explanation. Ive tried everything except legal action. They owe me money and need to pay it back. None the less, they shared my personal info with XXXX parties, all of which wasnt my consent. The damages cost nearly {$100000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not give written consent to report this on my consumer 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 2016-07-27
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I attempted to contact a loan provider in regards to a loan towards the end of XXXX. I was given a number of the bank branch to call and was not able to get in contact with them. A month after initial contact I got a letter in the mail from collections. I called and left a message and I did not receive a call back. I recently started a new job from being a XXXX to an XXXX at XXXX XXXX and XXXX. On my second week on the job XXXX XXXX from Stillman and Associates called my job and upon receiving the call I notified and requested he never call my job and gave him my cellphone. Today XXXX/XXXX/XXXX I got back from my lunch and my supervisor informed me that a XXXX called and aggressively asked for me by name after I explicitly told him not to. He then called my cellphone I believe and continued to try and bargain with my loan. When I informed him I am in a tough situation he began to say my co-signer has the assets and if I could n't pay it, he would then go to him to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: Alliance One, Inc.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I lost my Wife to XXXX. in 2007 after 3 years of caregiving at home. 
During the time she was sick I let some debts to the city that were on a on a payment plan go unpaid as all funds went to medical/ caregiving. 
I left my home XXXX after 1 year bereavement and went off to find myself. 
I am back in my home XXXX now after 8 years, remarried, and trying to clean up my credit and debts from my past. 
The existing balance of {$3900.00} to the City/County went to collections, then to court where a Judge awarded the collection agency XXXX that amount???. 
I have been in contact with the collection agency trying very hard to mediate a reasonable resolution and to square up with them as this balance has frozen my ability to obtain a State Drivers Licence. 
Under the circumstances surounding this debt can I challenge or petition the courts to reduce the amazingly ridiculous penalties and interest? HELP! : )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: Paypal Holdings, Inc
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, so I was trying to pay for a subscription to watch anime show through XXXX so on the website it had a options to pay through PayPal I click that option when I get redirected to PayPal I could either use my PayPal card balance or add my banks debit card to my PayPal account. So I go to add my banks card I get denied twice. Okay so the third time I re put my debit card information on the PayPal website. I notice it asking for my last four of my social security number. At time I didnt think nothing of it. Because I thought PayPal wanted to verify that the debit card it mine. So once it click submit I received a notification about a hard inquiries from PayPal. so I dont have any credit. I have a clean slate. If I new it was a credit card application XXXX wont put it through. And on that page it didnt ask me about no personal information like then you go apply for a credit card. It just ask for my debit card information. So I did end up calling PayPal customer service to ask about what had happened with my credit report a representative over the phone said he dont see me apply for a credit card or anything so he told me to call XXXX  XXXX and tell them to put it ask fraud because they cant find it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX has been reporting a foreclosure on my credit reports for seven years. However, this mortgage was never foreclosed. In addition, the correct date of XXXX delinquency was not reported. All XXXX credit bureaus reported different XXXX date of delinquency dates which further indicated XXXX is not reporting correctly. XXXX and XXXX XXXX noticed this discrepency and deleted the account ( XXXX ). Equifax noticed the discrepency but continues to report the account after multiple investigations displayed inaccurate data. I have explained to Equifax that I was denied credit due to the account stating it was a foreclosure. On XXXX XXXX, 2015, the account was changed again to account closed and paid, and no foreclosure. I am submitting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Hi there - I was assessed a {$160.00} interest charge on XX/XX/22. Per the card issuer, CapitalOne, this is due to the balance carried between XX/XX/22 and XX/XX/22 ( when the full balance was paid off ). Please note that I had been on a multi-month promotional XXXX XXXX interest that concluded on XX/XX/22. 

I had disputed this charge with CapitalOne because there I received no notification/warning, including in the ( XXXX ) statement, that one must pay down the balance in full by XX/XX/22 to avoid incurring interest. Instead, the statement 's only key date provided was XX/XX/22, the " Payment Due Date ''. While I should understand the terms in full and track the promotional period, CapitalOne bears responsibility for keeping consumers aware of potential upcoming fees, which would involve a simple notification at the top of their billing statement. CapitalOne reviewed my case and said there's nothing they could do on my behalf. 

With the proliferation of XXXX XXXX interest offers, it almost appears as though card companies are banking on consumers missing the program end date and/or misinterpreting the terms so they can charge interest. This practice, while legal, should be frowned upon.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-23
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2020 I attempted to use my temporary debit card to purchase something and it was declined. I was confused because I knew I had more than enough funds in the account to cover the purchase. I called US bank right away and the automated answering system informed me that my card was put on hold for suspected fraudulent activity and it asked me to verify if I made any of those transactions ( {$1300.00} ) which I did not. I was transferred to fraud department by the automated system and I explained to them what happened and they filed the claim for me explaining that provisional credit will be available in 10 business days. They instructed me to break and throw away the card that was compromised and I would get a new one in the mail. They also instructed me to fax back a declaration form which I did the next day on XX/XX/XXXX. I called US bank on the XXXX of XXXX Friday and I was informed that it hasnt been 10 business days yet and to wait till Monday the XXXX. Fast forward to today XX/XX/XXXX, I called US Bank once again to inquire as to why my provisional credit wasnt provided after checking my online account. After a long hold, they informed that my claim had been closed since XX/XX/XXXX and the investigators determined that I initiated those fraudulent transactions. I was shocked by this because no one told me this on Friday when I called and i asked to speak to the claim investigator but they told me only they can call me so I have to wait for their phone call. I am beyond frustrated because US banks fraud system detected this fraud in the first place and my card was placed on block due to those transactions which I verified were not initiated by me the same day when I tried to use my debit card. To add to all this frustration, A US bank branch manager in XXXX sent me a letter informing me that my account would be closed at the end of XXXX for no reason. When I called for answers they told me they had the right to do that and do not need to provide me any explanation. I have been US bank customer for over two years and Im really disappointed with how they are treating me.

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 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I DID NOT AUTHORIZE OR NOR CONSENT TO THE FOLLOWING INQUIRIES BEING FURNISHED ON MY CONSUMER REPORTS! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-23
Company: Bread Financial Holdings, Inc.
State: NY
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:
Im a victim of identity theft someone got my XXXX card and used it, when I first noticed it I called the company and let them know what had happened, they closed the account and sent me a new card. And up to this day theyre still asking me to pay for something I didnt used.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
After disputing the status of the XXXX account on my credit file, Equifax continues to report that the XXXX account status is a " Bad Debt ; Placed for collection ; '' and with XXXX missed payments. '' This is incorrect. The XXXX account status is closed with a {$0.00} balance and paid as agreed. Equifax has not provided any method of verification for this account or the supposed company that this account was placed in collections with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting act. Equifax these inquiries has violated my rights. 
( XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Please validate this information and provide with me the copies of any documentation associated with these accounts, bearing my signature.

In the absence of any such documentation bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 






CC : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau via fax ( XXXX ) XXXX CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection XXXX XXXX XXXX XXXX Washington, D.C. XXXX CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : XXXX CC : XXXX CC : XXXX CC : XXXX CC : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: PNC Bank N.A.
State: OH
Product: Other financial service
Sub-product: Check cashing
Issue: Fraud or scam

Complaint:
I had my purse stolen a month ago. After immediately calling police, we called PNC bank to report the theft. They froze the account and alerts were placed on it. We went in the next business day to open a new account. Later that week a teller from another branch disregarded the alerts that were still on our account and handed the thief with my ID {$1800.00}. They opened up a new account for us again, but now are holding all of our money because of their " investigation ''. Meanwhile, the teller that screwed up is getting paid for her work and we ca n't cash checks, ca n't deposit and have access to it, and checks already put out there by us are bouncing, making it impossible to live, pay bills, buy groceries for our kids. I 've been a loyal PNC customer for almost 10 years and they have kept saying there 's nothing they can do. Even though THEY screwed up and I had alerts in place. I did everything I was supposed to do and we were told we 'd be taken care of. THIS is not being taken care of as valued customers. THIS is like we are the criminals. They never even had the courtesy to notify us that this may happen or to give us a solution or option in order to continue paying bills and buying needs for our family. We have credit scores in the XXXX, own our own home for 10 years and my husband is a XXXX and I am a XXXX of XXXX little kids and also a XXXX. I wrote a XXXX page document on all the details surrounding this including our police report and the conversations we 've had with bank employees. We need help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: CITIBANK, N.A.
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They are using automated robocalling to mass calling me multiple times per day.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: Affirm Holdings, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently filed a complaint with the company about a debt that they have put on my credit report that does not belong to me and is the result of my identity being stolen. After I filed the complaint they sent me a email with an affidavit that I needed to fill out for them to start an investigation which would take up to XXXX XXXX. I submitted the affidavit by email as requested and not even XXXX XXXX later I received a email stating the investigation had been completed. I called the company and they agreed that the investigation was not complete and a specialist would reach out to me to get this taken care of. I still have not received communication back since XX/XX/2022. Then they closed this complaint. I dont believe a proper investigation has been completed in such a short time and asking for a explanation and proof of investigation.

Company response to consumer: Closed with explanation