BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Capital One Bank is not paying or denying payment requests through ACH to XXXX XXXX Bank which has been ongoing since XX/XX/2022. Capital One Bank does not process payment requests during the specified payment timeframes and seem to wait until the last minute to pay items which cause payments to get denied resulting in negative consequences like closed credit card accounts or fees. Capital One bank told XXXX XXXX Bank too close my credit card account even though I pay the credit card thru ACH using the same account since XX/XX/2022 which receives direct deposits from the same employer for 3 years. Capital One Bank had placed my account on hold in XX/XX/2022 for no stated reason and without warning causing me to run out of gas on the way to work which resulted in me having beg a stranger at the gas station for {$2.00} to make it to the bank. Next having to call and beg Capital One customer service, while in the banks driveway at XXXX, to contact corporate employees to release some of my funds for use in XX/XX/2022. Capital One Bank as recent as XX/XX/2022 told XXXX XXXX bank to close my credit card account after denying payment and a XXXX female manager refused to let me talk to anyone to resolve my issue and the in-branch tellers told me that my only option was to call the XXXX number and talk to customer service. Capital One Bank manager said that the call was recorded and there should be an official record of the call which happened in XX/XX/2022. I suspect this manager was the one who sent me a letter threatening to close my account if I called back to complain and possibly the one who told XXXX XXXX Bank to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Im writing to apply to be part of the customers that are filling claims that were unresolved in past, and Wells f owe money to. I had a mortgage in XXXX  it was foreclosed, we were not given the proper refinance loan.

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 2023-05-10
Company: Bridgecrest Acceptance Corporation
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: Account information incorrect

Complaint:
On XX/XX/XXXX I made a payment of {$490.00} to Bridgecrest auto for my car loan which I was advised by a Bridgecrest rep was the amount due to avoid a late reporting. The rep said it was for {$490.00} today. On today I received an alert stating that Bridgecrest reported my payment 30 days late. On XXXX it states that I am {$50.00} late which is inaccurate. I called Bridgecrest and asked if they could please fix the 30 days late. I had never asked for anything to be removed or updated on my report, I was told no. The 30 day delinquent has dropped my credit score significantly on one of my reports by as much as XXXX  points. I would just like to get some help with getting my reports updated to current.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TMX Finance LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I went into titlemax last year to get {$500.00}. The lady basically con me into {$1500.00} load saying my interest rate would be lower. Here I am a year later and its almost at 200 % for 125 %. Plus they make it where you can a pall your available funds by just renewing anytime. I feel like this is a predatory move bc people are struggling. Now I owe much much more bc of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
on XX/XX/XXXX a fraudulent hard inquiry was made online to XXXX XXXX XXXX XXXX thru Synchrony Financials XXXX Upon disputing synchrony on XX/XX/XXXX i told me they will send the paperwork to XXXX to remove the inquiry and it will take 90 days. I called them on XX/XX/XXXX to follow up why is it still not removed, they said it is being done and be patient with them. Its XX/XX/XXXX i called them again, was on hold for an hour but they kept transferring me. XXXX Bank and very unprofessional. just a waste of time.

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 2023-05-10
Company: EQUIFAX, INC.
State: PA
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 opened XX/XX/2016 Acct # 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 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 2021-04-06
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Not 30 days late for XXXX and XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
There are discrepancies on my personal credit report ( s ) that are in violation of my consumer rights. Please permanently delete and block the below accounts and inquiries from my EQUIFAX, XXXX, and XXXX credit report ( s ). These inquiries are fraudulent and unverifiable. 

Inquiries : 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 These inquiries are fraudulent, unverifiable, and in violation of consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2023-05-10
Company: TRANSUNION INTERMEDIATE 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX RE : Notice of Dispute Pursuant to the Fair Credit Reporting Act Dear Sir or Madam, I am writing to dispute certain inaccurate, unverifiable, and invalidated items in my credit report that violate the Fair Credit Reporting Act ( FCRA ). I demand that you remove these items from my credit report immediately in compliance with the FCRA 's requirements. 

Your agency has failed to provide me with any original documentation or method of verification for the inaccurate items listed below, in violation of Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of the FCRA. Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) of the FCRA. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA, you are required to " promptly DELETE all information which can not be verified. '' As a result of your failure to comply with the FCRA, I intend to pursue litigation to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 of the FCRA. Please note that this letter, along with the inaccurate items sent to you previously, will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this notice of dispute. 

I demand that you immediately delete the following inaccurate, unverifiable, and invalidated items from my credit report : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PREVIOUS ADDRESS : XXXX B XXXX, CA XXXX Unauthorized inquiry by XXXX  XXXX on XX/XX/XXXX. 

Unauthorized inquiry by XXXX on XX/XX/XXXX. 

Unauthorized inquiry by XXXX on XX/XX/XXXX. 

Unauthorized inquiry by XXXX XXXX on XX/XX/XXXX. 

Unauthorized inquiry by XXXX on XX/XX/XXXX. 

Unauthorized inquiry by XXXX DC XXXX XX/XX/XXXX. 

Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS ''. 

Please note that your continued refusal to comply with the FCRA may result in litigation against your agency. I reserve all rights and remedies available to me under the FCRA. 

Sincerely, 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 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
Accounts Disputed : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Please Advise I was never late on the accounts listed above. Please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply proof please delete these alleged late payments from my credit report. These are invalid late payments being reported. The FCRA allows 30 days for this to be rectified.

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 2023-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Capitalone Auto Financing reported my account late multiple times when I have a bill of sale dated XX/XX/23. This company reported my account late multiple times in a 30 day period when it was not delinquent. Lost check from car dealership. Multiple issues getting the title.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Paypal Holdings, Inc
State: NY
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 Sir/Madam, I am writing to submit a complaint and appeal the decision to permanently limit my PayPal account XXXX I believe that this limitation was placed on my account by mistake, and I would like to request that PayPal re-investigate my case and restore my account if possible. 

I would like to emphasize that I have not violated any PayPal policy or engaged in any fraudulent or illegal activity. I have always used my PayPal account in good faith and in compliance with all applicable laws and regulations. Therefore, I strongly believe that the permanent limitation of my account is unjustified and has caused me significant financial and personal hardship. 

I understand that PayPal has the responsibility to ensure the security and integrity of its platform, and I fully support these efforts. However, in my case, I believe that there has been a misunderstanding or error, and I respectfully request that PayPal review my account activity and reconsider its decision. 

I would appreciate it if you could provide me with any information or documentation that may have led to the decision to permanently limit my account. I would be happy to clarify any issues or answer any questions you may have. Additionally, I would be grateful if you could provide me with a timeframe for when I can expect a response to my request. 

The email address associated with my PayPal account is XXXX. I would appreciate it if you could communicate with me via this email address. 

Thank you for your attention to this matter. I hope to hear from you soon. 

Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Credit report states that I was Employed somewhere I never was. 
XXXX XXXX was never an employer of mine

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 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
THESE ACCOUNTS I HAVE BEEN CONTACTING YOU ALL ABOUT DOING investigations ON, THE COMPANIES FAILED TO SEND ME SIGNED DOCUMENTS OF THE DEBT THAT I DO NOT OWE, I recently WENT THROUGH identity THEFT AND BY LAW IF ANYTHING ON MY CREDIT REPORT IS WRONG MUST COME OFF. I SENT OUT THESE LETTERS IN DETAIL ON WHAT IS GOING ON. 

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


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 2023-05-10
Company: Paypal Holdings, Inc
State: ME
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 Sir/Madam, I am writing to you regarding the permanent limitation that has been placed on my PayPal account with the email address XXXX. I strongly believe that this limitation has been placed in error, and I would like to appeal this decision. 

Firstly, I would like to emphasize that I have not violated any PayPal policies. I have always complied with your terms and conditions, and I have conducted all my transactions on the platform with complete transparency and honesty. Therefore, I am puzzled as to why my account has been permanently limited. 

Secondly, I would like to request that you re-investigate my case thoroughly. I am confident that upon further review, you will find no reason to keep my account limited. I am willing to provide any additional information or documents that you may require to resolve this matter. 

Finally, I kindly ask that you restore my account if possible. As a loyal PayPal customer, I rely heavily on the platform for my online transactions, and this limitation has caused significant inconvenience to me. I would like to continue using PayPal as my preferred method of payment, and I hope that we can resolve this matter amicably. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
File first dispute back last year, dispute somehow became overlooked and unfounded, filed secon comments this year boa didn't investigate waited untill last day claim was due and denied claim without cause. Call and ask for documentation that Substantiated. The denial of said claim never received any documents my mail or email. Asked for reconsideration of claim and told it would be completed in 45 days we are weeks past that time frame still no anwser no provision cresit. No documentation.

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 2023-05-10
Company: Block, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I went to the ATM at XXXX  XXXX in XXXX XXXX to withdraw XXXX I put my card in the machine followed the prompts. The ATM said to take my card I did and out came the receipt but no money followed. So I went to the clerk and he said I would have to dispute it with my bank so I have done that three times already. And I have all three times sent the pictures of the ATM reciept and how after the transaction it said out of service I even called the number on the ATM it has a option if you didn't receive your money from the ATM do this so I have called them twice and left messages no reply. I'm frustrated at how a company can steal a person money all they have to so is look at the camera or investigate this matter properly but they are not so I'm asking that you guys please help me to recover my .only your help in this matter is greatly appreciated.. I have also requested the supporting documents that they are basing there decision off of. The last image is the only thing they have produced thus far.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: LA
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 have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
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 NEED THIS ACCOUNT REMOVED FROM MY CREDIT REPORT DUE TO FRAUDULENT ACTIVITY

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 2023-05-10
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sent certified mail request on XX/XX/XXXX to ask for validation of debt. Informed that all attempts to collect should cease until validated within 30 days. Theyve not validated and have called. And reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2023-05-10
Company: Prosper Marketplace, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I'm negotiating a settlement through a third party XXXX XXXX. I have given them POA and all communications should be with them. Prosper has their direct phone number now since I provided it. They call over 30 times day on my cell phone which I now blocked and they are no calling me at work. I removed my work number from their records but they are still contacting me at my work place. My work place is a busy office and the receptionist has to take these calls.

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