BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-13
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX, Paypal sent me an email stating - " You can no longer do business with PayPal. After a review, we decided to permanently limit your account as we found potential risk associated with it. '' I don't use this account and would like to close it, and there is a credit card linked to the account. Paypal will not let me remove that credit card, nor will they let me close the account. 

On XX/XX/XXXX, I received a fraudulent request for payment through Paypal. I called Paypal using the number directly from their website and spoke with someone who tried to take over my computer. I hung up, but I can not reach a legitimate person at Paypal to get the account closed. If Paypal has " permanently limited '' the account, why are they accepting payment requests? Fraud is clearly happening, and the account just needs to be closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX, Trans Union, XXXX XXXX accounts was opened fraudulently in my name while i was incarcerated in XXXX i have my proof of XXXX  documents and my police report and investigation. this shows that i could not have opened or used this accounts. but they still wont delete them of my credit. XXXX  and XXXX XXXX XXXX. both opened in 2017 ive tried disputing them over and over again. my only option after this is taking it to court.

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 2023-01-14
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received a call from someone claiming to be from XXXX 's card-I had the XXXX Airlines card through them. I XXXX  the number and it came back as legitimate. I was told there were fraudulent charges on my card. I spent XXXX hours on the phone as they contacted companies disputing the charges while I remained on hold. The agent also asked me numerous personal questions, supposedly for id in case of theft. Also they set up travel alerts. I was also informed the card was cancelled and new one was issued. 

I checked the account the following morning and discovered that the account had not been closed and there was another $ XXXX in charges. I called the company and was told the account wasn't closed but the disputed charges from the night before were cancelled along with added on special travel alerts. I asked why I wasn't notified of the charges and why the account had not been closed. I was informed that as long as they didn't accept the charges it was ok!!!. 

Needless to say the standard with XXXX is once they are aware of false charges the account should be closed. The company was negligent in not notifying me and in not closing the account. I wrote a number of letters of complaint to the company and was ignored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I am stuck in an extremely high loan for a used and 10year old vehicle. The Company is not willing to refinance the vehicle cause me financial hardships.

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 2023-03-01
Company: Avant Holding Company, Inc.
State: HI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
XX/XX/23 - I started an application for a personal loan through AVANT. I did not submit the loan application because I needed to update my address. I thought my change of living location could impact the loan. 

XX/XX/23 - I called and spoke to a representative at Avant to update my address and personal information. That was taken care of immediately. 

XX/XX/23 - Promptly after speaking with a representative about my change of address, I filled out and completed the personal loan application. 

XX/XX/23 - After filling out the personal loan application, I was told I was qualified and received an email stating that I had been qualified for the loan and to go to my dashboard to determine how I would like to receive my funds. I did as the email asked, signed the loan, asked for an ACH money deposit, and submitted it. As soon as I did that, I was closed out of the window for how funds were to be received and taken back to my account dashboard which had a notification stating I did not qualify for the loan. Under my account history, it stated that my loan application was declined on XX/XX/23, even though I had never submitted anything on XX/XX/23. 

XX/XX/23 - I received multiple credit alerts that a hard credit check had been conducted and that my XXXX XXXX went down because of this ( because I was qualified for the loan ) XX/XX/23 - I called Avant back to figure out what was going on. All I was told was that this issue has been " escalated '' and they would review my case. Whatever that means. 

XX/XX/23 - I emailed customer service regarding the issues presented above and received an email that things had been sent to the " appropriate department '' and if I had any further questions to email or call XX/XX/23 - I called customer service again to determine what was going on since all of the information I have been provided in the last three days has been generic and lacking any sufficient detail. I had to call twice because my call was dropped initially. Once I finally got a hold of someone, it was the same information I have been given the last XXXX days which was, " you're problem has been escalated to the appropriate department and they are still reviewing your case '' This is totally unacceptable. Not only was I told I received a line of credit and did not, but it has impacted my credit score because the inquiry went through. I haven't received sufficient customer service or information. I'm just passed along to another person who can't tell me anything of importance. This issue should not take three business days to figure out. I am beyond furious.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello : My daugther Died on XX/XX/XXXX during the covid thing. I was eventually forced to catch up all her house payments XX/XX/XXXX or they ( Wells Fargo ) was going to start foreclouser on her house. I sold her house in XXXX XXXX. I called Wells Fargo and asked if there was any money to me. On XX/XX/XXXX they told no money was owed to me without any research being done. When i mentioned the CFPB name they were very short with any question I asked about a refund of any kind. Can anybody help on getting a complete answer on if I am entitled to any refund home payments and payoff of her home. thanks in advance.

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 2023-01-20
Company: LoanCare, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was sold to LoanCare in XXXX of XXXX. We immediately received a disbursement from our escrow account from an overage they incorrectly calculated. Our property taxes are due semi-annually and the first analysis they performed they assumed the property taxes were only due annually. In the past 2 months we have had to request 4 more analysis and/or escalations as we have property taxes due XX/XX/XXXX. As of today, XX/XX/XXXX our escrow account is still wrong, we are being sent a second overage check of our escrow account, and our property tax disbursement is still not scheduled until XX/XX/XXXX. Our escrow account is now so underfunded that it is only half of the balance for our property taxes due in less than 2 weeks. On my most recent call they noted that the taxes are handled by the 3rd party vendor and they were not able to do anything for me without a few day wait for the vendor to look at our taxes again. They promised that they would be liable for any fees assessed by XXXX XXXX, but I am not able to get that in writing.

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 2023-06-15
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Td bank had my fund and I went in several times to find out where my money was going bc I felt like it kept disappearing. When I went in they said several times they didn't see in anything happening but I still came in 2 more times. After that the bank shut down my card stating that there was an issue with a deposited check and my ATM card stopped working even though I had never written checks from my account they allowed aomeone to write over XXXX XXXX dollars in checks over the span of XXXX to XXXX and even though my name was spelled wrong on the checks written still allowed them to deposit these checks in to their accounts. They are now refusing to refund any of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: Experian Information Solutions Inc.
State: VA
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 according with the Fair Credit Reporting act XXXX Account # XXXX, has violated my Rights. 15 U.S.C section 602 A. Sates 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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not 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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
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 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 has violated my rights. Or list of inquiries 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX # XXXX has violated my rights 15 U.S.C. 1681 section 602 A States I have a 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 permission

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: MO
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:
NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my Equifax consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. XXXX ) I have not initiated any transaction with XXXX  XXXX XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX  XXXX XXXX for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 


By willfully violating the FCRA, my next step will be to settle your civil liability damages I've suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to assist with removal of inquiries damages will exceed settlement rates when my attorney becomes involved. You will be responsible for his fees as well as compensat for dimages inflicted upon me. You have ( 10 ) calendar days of receipt of this notice and demand before I'll seek actual damages which are greater than {$1000.00}. 

Take note that I didn't identify the culprit ( salesman ) by name directly because I'm expecting you to do the right thing and help resolve the issue of XXXX  hard inquiries placed on my consumer report without my written consent. 



cc : CFPB via fax ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: MO
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:
Hi I got an alert on my email regarding the change in my credit report because some of the companies were using my credit report without my concent. XXXX are as follow : - XXXX. XXXX XXXX XXXX XXXX. Wells Fargo

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 2022-09-05
Company: Experian Information Solutions 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 have been disputing Fraudulent Information on my credit report since XX/XX/2022. I have been waiting for their response but up until now, I haven't gotten anything from them. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX, and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. I am requesting these information to be reviewed for completeness and accuracy and appropriateness. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX Balance : {$25.00} XXXX XXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-05
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

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 2023-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
I signed up for the Capital One Quiksilver card due to a promotional advertisement for a 0 % interest on purchases for 12 months. They deceptively do not put the expiration date on the promotional rate on any monthly statement. I therefore called to ask when it expired and was informed by a representative the date was XX/XX/23. I paid the balance in full on XX/XX/23. Subsequently I have been charged interest from XXXX because the representative I called after seeing assessed interest charges said that the promo rate expired on XXXX. I asked for the {$15.00} in interest charge to be waived and she said they would not do that. Feel duped and very disappointed in the customer service and also in the deceptive marketing, practice, and lack of transparency on when the promo rate expires.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-16
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was approved for a loan modification in XX/XX/XXXX. In XX/XX/XXXX I received a Notice that my house was in foreclosure. In XX/XX/XXXX I received an email that my account was protected and received the loan documents on XX/XX/XXXX but the return deadline was XX/XX/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 explanation
Consumer complaint received 2023-02-22
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
This company has been adding illegal fees which I know that this account has been paid to the original creditor. I don't have any contractual agreement to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Im writing with regards to the ethics and lack of transparency of Capital one. 

My current interest yield on my account is 0.3 %, even though their advertised interest rate is over 3 %. When I called to inquire about the disparity, I was told that its because my account type, XXXX XXXX, is outdated and has been discontinued. 
However, at no time was I notified or contacted by a rep to alert me that I am not receiving the typical yields due to my account product. This lack of transparency is disingenuous, bordering on unethical. 

My concern is for people who are not computer savvy or do not have the time, means or resources ( I.e, elderly, those in underserved communities ) who will be disadvantaged by their lack of disclosure. 

Something should be done about this immediately. My husband is trying to convince me not to go to the media with this, but Im having a hard time finding a reason not to.

Company response to consumer: Closed with explanation