BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-25
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I happened to be arrested on XX/XX/2022. I was in holding until XX/XX/2022. While I was incarcerated my ex roommate stole my wallet that included this PayPal debit card amongst various other debit and credit cards. He also stole some of my electronics to include a phone and a laptop and my car while I was XXXX. When I got out of XXXX I noticed about a week or so later that my accounts were used while I was in XXXX I started contacting all of my creditors about what happened and they all reversed any charges that was not mine while I was XXXX besides Paypal! This dispute was opened XXXX XXXX and closed out and denied the very next day on XX/XX/XXXX. I don't even think anyone looked at my claim for unauthorized charges. Once I have learned that paypal denied my claim, I immediately contacted PayPal to say there is no way I could of made these purchases because I was physically unavailable and provided them a letter from the XXXX XXXX that shows my XXXX dates. However this was not good enough for them. PayPal 's position is that since the debit card was used and a pin was used that I must of given him permission to use my accounts. However XXXX has declared that is not a sufficient reason to deny a claim for unauthorized usage and I supplied them with XXXX 's determination, however they still denied my claim. I then filed a police report and supplied them with all of that information to no avail and never had these reconsidered again! This is utterly ridiculous as I was not available for these transactions, I did not give the person who stole the information my cards and credentials and these should be covered under XXXX and PayPal zero liability benefit for unauthorized usage of my account. Please help me try and recover from these 7 unauthorized charges to my account! Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-11
Company: Upgrade, 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, has violated my rights.

15 USC 1681a ( 2 ) ( A ) ( i ) : Exclusions. The term " consumer report '' does not include ; any, report containing information solely as to transactions or experience between the consumer and the person making the report.

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

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
The Chase Freedom Unlimited card promotes Trip Interruption Insurance and Cancellation as one of its benefits. I used my card to book flights for a trip I took over the summer and that trip was canceled. I tried using the insurance and was told that the benefit was not available to me or my card, despite that being advertised on Chase 's website. 
The trip was canceled on XX/XX/XXXX, I used the card to book my hotel and expense meals as I was under the impression according to Chase that this would be covered under what they promised. 
On XX/XX/XXXX, I submitted my claim to Card Benefit Services which handles Chase 's benefits. 
On XX/XX/XXXX, I got an email saying that my claim had been denied due to those benefits not being available to me. 

This was very misleading according to Chase 's website and the benefits package that was sent to me once I got approved for the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: CCS Financial Services, 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:
In Accordance with the fair credit reporting act XXXX account number 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 can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I, XXXX XXXX XXXX received the XXXX XXXX loan back in XXXX of XXXX for the amount of {$19000.00}. The funds were disbursed in my Capital One business bank checking account. I have used that money but by XXXX of XXXX Capital One froze my account. I called customer care at that time asking for the reason behind this. I was told by a few different customer service representatives through the phone very different answers. The one answer that stood out the most was that they were not allowed to discuss that over the phone. Also they would always say that they will get back to me. I have even asked that they provide me a letter in writing stating why my checking account was frozen but the phone representatives refused. Between then and now I never received an email, letter or a phone call regarding my frozen bank account by Capital One. I have about {$4500.00} in that account and need to retrieve that money. This money was given to me by the federal government because of the financial losses my business has and continues to experience due to the CV19 lockdown. I find it insulting that my ability to access my funds were frozen by Capital One bank. It is even more disrespectful that they are not giving me a good reason. I kindly ask that I be assisted in retrieving my money back from Capital One bank as soon as possible. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: DISCOVER BANK
State: NJ
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:
I have a discover balance on my credit report which was resulted from a judgment that they got against me and the judgment then garnished my paycheck and they have now been paid 100 % out of the garnishment from the judgment. As far as I understand it not only does this change the status on my credit report because they have been paid in full but also I have read that judgments are not supposed to be on your credit report once they get a judgment against you? I can show you a copy of the judgment that they have against me and I can show you my pay stubs to show you that they have been paid off 100 % .. it is discover credit card and the balance was around {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My CareCredit account was closed suddenly, without my consent or knowledge. No notification was sent. I should at least get a warning to determine if theres anything that could be done to keep the account open. 

Not only was my account in good standing, but the company still owes me a credit {$5.00} associated with this card. How can they possibly close an account they owe money on? A consumer can't close a credit card that has an existing balance, so the company shouldn't be able to either. 

This closure has adversely affected my credit in a major way, and they need to be held accountable for that. 

When I contacted them, they simply refused to do anything.

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 2022-10-25
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: EQUIFAX, 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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC 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 explanation
Consumer complaint received 2022-12-29
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/XXXX I applied for an auto loan though XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, TX. The vehicle in question was a XXXX XXXX XXXX listed for less than {$18000.00}. I was told I was denied unless I provided a {$6000.00} down payment. I inquired why I was being required to provide an almost 35 % downpayment and which finance company was providing this decision and I was told Westlake Financial Services was providing this information. I then inquired why a downpayment was being demanded when that is an unlawful demand and violates by rights as a consumer. The used car sales manager, XXXX XXXX, denied responsibility for the demand and reiterated that the decision was not an in-house demand but was coming from the finance company. 
On XX/XX/XXXX I reached out to Westlake Financial Services directly and provided my application number to the customer service representative, XXXX XXXX, to be put in contact with the finance representative who was handling my application. I was then put in contact with XXXX XXXX who was handling my finance application. When I finally received his call I inquired as to why my finance application was being denied he confirmed the same information that the dealership was telling me, that I needed a {$6000.00} downpayment. I then asked why this was being demanded when downpayments in a financed transaction and it is unlawful. XXXX XXXX did not have an answer for me but said he was going to speak with his supervisor. When I spoke to him again, after he submitted a " revised application '' he said that {$5100.00} downpayment is now required. I continued to inquire as to why my rights were being violated and I was never given an answer. I requested by application and decision to be provided and I stopped receiving all communications and no resolution.

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 2022-12-20
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act. the INQUIRES listed below in the SECOND paragraph have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to 15 USC 1681 SECTION 602A. states I have the right to privacy 15 USC 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 USC 1681 S-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

The Following inquiries are unauthorized. 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 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 2022-12-05
Company: AXOS FINANCIAL, INC.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On my behalf, on XX/XX/2022, XXXX XXXX ( " XXXX  '' ) mailed to Axos Bank ( " Axos '' ) a transfer request my retirement account from Axos to XXXX. A XXXX representative, XXXX XXXX, contacted to Axos by phone on XX/XX/2022. The Axos representative refused to provide XXXX XXXX any information during the call. I sent a secure message to Axos regarding this issue on XX/XX/2022 and I have not received a response, let alone a helpful status update from Axos.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U S.C 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more that seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
Please remove/block the following items below : XXXX 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

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 2022-10-25
Company: Navient Solutions, LLC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have failed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, 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:
I did filed a complaint with CFPB last week against Equifax and the result was that Equifax did agreed to immediately deleted and completely removed all the unauthorized fraudulent inquiries that I disputed. As always Equifax doing saying Were sorry and we deleted everything fraudulent. As of today all items still on my Equifax credit report. As usual Equifax playing games and it becomes frustrated. 

The following unauthorized fraudulent inquiries must be deleted immediately : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/XXXX, I received a letter stating that this company was REQUIRED by law to inform me that effecteive XX/XX/XXXX ( the date of the letter ) that the statute of limitations to sue me for the debt listed within the letter HAD EXPIRED and that ANYONE who attempted to sue me or made attempts to further collect on the debt, that I AM REQUIRED to INFORM them that the statute of limitations has expired preventing them from obtaining a judgement. Furthermore, I was also informed that SHOULD I make ANY payment, this company would then be able to sue/collect the total amount of the debt within. 

As I have now been armed with that letter and information, TRANSWORLD SYSTEMS INC. PROCEEDED to call me, harass me and THREATEN me with suspension of my license AND registration for the outstanding debt of toll fees & OBNOXIOUS fines on # 1 a car I NO LONGER own because it was totaled and # 2 on plates that I ALREADY turned in AND replaced due to my old car being totaled. Whether I owe is no longer the question, but the tactics of harassment and threats I received as a result for SEVERAL MONTHS THEREAFTER has caused TREMENDOUS XXXX, stress, distress, and turmoil. The calls began XXXX XXXX and CONTINUED until around XX/XX/XXXX when I explained that # 1 I was still hurt from my accident and unable to pay ( even if I wanted to ) and # 2 I REMINDED them on at least FIVE occasions that THEIR OWN COMPANY sent me this letter informing of the expiration of the statute for them sue/attempt to collect and basically to not even pay one red cent as to avoid being on the hook for their ENTIRE amount. Also, the amount quoted to me was SIGNIFICANTLY higher than what was actually listed in the document/letter sent to me. The supervisor I spoke with then proceeded to tell me that upon my refusal to pay, IGNORING the fact that apparently it was THEIR legal team who informed me of my rights to not pay, THREATENED to have my license and registration suspended. To date, XXXX XXXXXXXXXXXX XXXX XXXX  still has this listed under my name WITH THE OLD PLATE INFORMATION BUT with the more recent dates falsified because I DID NOT TRAVEL to areas listed on those dates and I HAVE VERIFICATION proving that I DID NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Afni {$240.00} At t original creditor Afni {$880.00} XXXX original creditor Both accounts are fraudulent and were never obtained by me XXXX XXXX XXXX {$56.00} original creditor XXXX XXXX XXXX Never owned an account through XXXX XXXX XXXX. debt is not mine.

Company response to consumer: Closed with explanation