BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-30
Company: Paypal Holdings, Inc
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
There is a PayPal credit card in my name that I never applied for I got a prepaid card that's it but when I call about it it gives me a different card I don't have and also they say its XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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  act # XXXX has violated my rights. As have Capitol One Auto. 

15 USC 1681 Section 602 states that I have a right to privacy.

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

15 USC 1666B : A creditor may not treat a payment under an open end cunsumer plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Jon Barry and Associates, Inc.
State: NC
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:
According to the FCRA, I have the right to an accurate credit report. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company isnt the original creditor. Im no longer liable for this debt, being that the original creditor already sold my debt to you. Meaning youve been paid for my debt and Im no longer liable for this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: AVANTE
State: NC
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:
According to the FCRA, I have the right to an accurate credit report. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company isnt the original creditor. Im no longer liable for this debt, being that the original creditor already sold my debt to you. Meaning youve been paid for my debt and Im no longer liable for this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Ive reached out to the company regarding the situation because at the time I was working and I dont understand why the situation is occurring because my insurance switched over and they said that it was taken care of

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The credit bureaus XXXX, Equifax, and XXXX are missing some or all of my XXXX credit card accounts and payment histories. They are also missing car loan and mortgage histories. They 've claimed these accounts are not reporting to them or that they are up to date which they are not. It 's not possible that these XXXX XXXX 's, XXXX, and XXXX XXXX accounts do n't report to some or all of the XXXX credit bureaus. In fact I 've confirmed that most report to all three. Apparently when credit history is missing they do n't consider that an error like I do. This has damaged my credit. Where my credit should be excellent, according to them it does n't exist or I have no payment history. I will try to include these supporting documents : 1. Credit cards and ID 's pictures sent to all XXXX bureaus, 2. XXXX XXXX property whose mortgage is paid in full but does n't appear on any credit report, 3. Utility bill showing current address, 4. XXXX, Equifax, and XXXX Credit Reports, Dispute Forms and Dispute Results, 4. XXXX previous letters from credit card companies stating that they are reporting to all XXXX bureaus which I sent to them and they ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: AES/PHEAA
State: KY
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:
Since viewing my credit report on XX/XX/22, I have noticed that the following credit reporting agencies have information listed on my consumer report not in accordance with the law : XXXX. 

XXXX has allowed multiple companies such as : FedLoan Servicing, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to all furnish late payments to my consumer report knowing it is a violation of federal law pursuant to 15 USC 1666b ( a ) and 15 USC 6821 ( a ) ( 2 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
State: KY
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:
Since viewing my credit report on XX/XX/22, I have noticed that the following credit reporting agencies have information listed on my consumer report not in accordance with the law : Experian. 

Experian has allowed multiple companies such as : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to all furnish late payments to my consumer report knowing it is a violation of federal law pursuant to 15 USC 1666b ( a ) and 15 USC 6821 ( a ) ( 2 ).

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 2022-08-28
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:
XXXX 8 POTENTIALLY NEGATIVE MONTHS Account info Account number XXXX Date opened XX/XX/2018 Believe I was a victim of the XXXX data breach this information belongs to someone else I've made many attempts to try to resolve this issue and have this fraudulent account removed off my credit reports please assist me in removing this illegal item

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 2022-08-28
Company: CarMax, Inc.
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: Public record information inaccurate

Complaint:
The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act has forbearance and credit reporting requirements that allows late payments to be removed from your credit report if you were impacted. The following company ( company name and account number ) shows late payments on my account and we have resolved the issue by settlements.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: EQUIFAX, INC.
State: TX
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 called in several times to Equifax and they have NOT received this information I 'm exhausted and really want to get this matter settled. The collection agency sent this information tot them back in  XXXX  of  2017

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, I took the time to contact IQ DATA INTERNATIONAL at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX on XX/XX/XXXX via a debt verification letter in the mail. It is XX/XX/XXXX, and I had not received correspondence. I called them today, XX/XX/XXXX to see if they had sent a letter in the mail with the debt verification. They indeed proved that they did not. The representative I spoke to was very rude and started screaming and talking over me about a letter in XXXX. I explained to her that whatever debt she is alleging happened in XXXX has nothing to do with when I asked for debt verification in XX/XX/XXXX. I then let them know that not responding to a debt verification letter will prompt me to contact the CFPB. She continued to talk over me, got extremely upset because I kept referring to the debt as " alleged '' until they prove it via verification letter, and eventually hung up. I have a recording of this call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I have an item that should have been removed from my credit report. All other credit reporting agencies removed the item after investigating. Equifax did not and said they verified the validity. I called and spoke with a representative and she said yes we confirmed the validity. I asked about their process, specifically what documentation they reviewed to confirm the validity. She stated their only obligation is to reach out to the collection agency and if the collection agency responds within 30 days the item is valid, they respond to the dispute as " Verified item Remains ''. 
I have tried disputing the item again online and they wo n't allow it. 
In addition to the credit impact, where is the accountability on the part of Equifax reporting agency? They provide and report information on me yet they do n't have to verify the information they are reporting on and are not responsible for providing the details of their investigations and how they " confirmed '' items. 

Equifax is unresponsive, difficult to get in touch with and only concerned with " Selling '' you a credit report or their online services. 

I need help getting this resolved. I have no confidence in Equifax to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I put a FRAUD ALERT, CREDIT FREEZE, AND A HOLD on my credit file over a year ago, and I am still have my credit report pulled constantly by different companies without my authorization and all XXXX agencies are refusing to delete the inquiries from my credit file which now shows I have over XXXX pulls in over a years time. 
Then lately I had a XXXX claim paid off XXXX credit cards from XXXX, XXXX, XXXX, XXXX, XXXX XXXX ( all account ) and they the credit bureus and banks has refused to update my account as paid and and XXXX balance, I have even sent them the letter of the paymets sent to them and verified the payment had been received. 

XXXX XXXX has reported the account past due which has brought my credit score down to a XXXX from a XXXX. 

Third ; all XXXX credit bureara, has refused to correct my address, phone number on file I have sent in my social secutity card, utility bills, DL, ect and they refused over and over again. 

Equifax refuse to even send me a copy of my file at all even when I send them a denial of credit. 
XXXX refuses to dispute any of my request saying that I have no grounds to dispute even with new evidence. 
XXXX same outcome. 


I have asked that the freeze stay on my credit report but I have ask that I be opt back in to receive offers from my current creditor and I have not had that fixed either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: General Motors Financial Company, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XXXX XXXX, 2017, I went to purchase a car and had my preapproval from XXXX XXXX. I ended up not getting anything because the car I came to the lot for they was unable to find. It somehow was driven to a different lot. However, they I see XXXX XXXX submitted my credit and ran it thru numerous companies which I did not authorize as I had my preapproval paper work and did n't get to use it due to the car not being there. A company named XXXX out of XXXX XXXX, Ca ran my credit, XXXX aka XXXX XXXX XXXX XXXX, Tn GM Financial, XXXX XXXX, XXXX XXXX. None was authorized at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, 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 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, 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 2015-09-24
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I recently received documents from Wells Fargo, Dated XXXX XXXX, 2015 which suggest that my investment property will be refinanced, however, I did not apply for a refinance or authorize Wells Fargo to do this on my behalf. There is also an internal email correspondence that was inadvertently included in my package, which is telling Wells Fargo employees that I am waiting for these documents and working with the Office of the President to refinance my loan. This is a lie. I would like this to be investigated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo did not inform me that they were transferring my loan to XXXX XXXX due to a reason I still do n't know about that involved changing the holder of the deed to XXXX, XXXX ... .. 
I was instructed to only deal with XXXX after XXXX XXXX, 2016 and then Wells Fargo sends me a letter on XXXX XXXX, 2016 that states to deal with Wells Fargo. I am repeatedly given conflicting documents and information that instruct me to do the wrong thing. ( see the other XXXX complaints that I have done with CFPB, that are only a few of what I need answers for and have not been given )

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 2022-05-23
Company: EQUIFAX, INC.
State: AL
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:
n accordance with the Fair Credit Reporting act XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
n accordance with the Fair Credit Reporting act XXXX Account # 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

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 2022-05-23
Company: DISCOVER BANK
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the rights to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: Williams & Fudge, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX, XXXX, I was advised to check my credit score because it was way low so I checked my credit report to discover that there 's a collection account showing opened XXXX XXXX, XXXX and reported on XXXX XXXX, XXXX from Williams Fudge Inc. for {$4000.00}. I have not received any formal letter or a courtesy phone call from this company. My address and telephone number is still the same. I 've had many issues in the past with this company and others about this particular debt that keeps reoccurring on my credit report. I have already sent XXXX letters to Williams Fudge Inc. back in XXXX XXXX & XXXX XXXX ( certified mail receipt ) regarding this same exact debt letting the company know that I do not owe this debt. The negative information was removed off my credit report back then. In XXXX XXXX another company placed the exact same debt on my credit without notifying me. It was later removed. And here we are yet again in XXXX XXXX this debt is back on my credit report with another so called owner/collector. Ridiculous!! This is a horrible pattern with companies not notifying individuals & placing things on your credit, not providing legitimate validation but expect consumers to pay. I have asked several other agencies that are buying/selling/trading this particular debt to validate this debt. NO collection agency can provide to me a copy of a loan agreement, contract or promise to pay. For an agency to just keep putting negative/inaccurate debt on people 's credit report is wrong. At this point I feel like I am being harassed. I am asking for this to be removed once again from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: Byrider Franchising, LLC
State: SD
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
auto finance bank is now harassing me that I will go to jail. I got this vehicle XXXX months ago and have had nothing but problems with the vehicle smoking, breaking down, and now they said they will put a new engine in the vehicle, but now they wont and said they will come and get the vehicle, even though my payments are up to date. but ive had numerous harassing calls that are recorded, and texts of name calling and other things

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On XX/XX/XXXX, the Employment Development Department ( EDD ) of California paid me unemployment insurance in the amount of {$12000.00} through the debit card administrated by the Bank of American. After I withdraw about {$8000.00}, the bank closed my debit card for identity reason. I completed verifying my identity through EDD by XX/XX/XXXX, but the bank continued to keep my account closed and refuse to release the $ XXXX fund to me. From XX/XX/XXXX to now, I called the bank many times but they always insisted that the fund is with EDD. The EDD says that once the fund was deposited into the debit card, it is controlled by the bank. I think what the EDD says is correct.

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 2022-08-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX 1 LATE PAYMENT Credit usage 6 % Balance {$18.00} Balance Updated XX/XX/XXXX Credit limit {$300.00} Account info Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Charge Card The information on this card is completely incorrect that it should be a XXXX balance and no late fee I mean every attempt to contact the credit bureau as well as the credit card company for XXXX XXXX XXXX well as capital 1 no 1 seems to want to help me we are in the covid 19 cares at legally they are not able to file missing information on my credit report I also believe I was a part of data breach for the Equifax as some information has been mixed up and given to other people please help me fix this situation

Company response to consumer: Closed with explanation