BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-09
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XX/XX/XXXX Last XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Florida XXXX This certified letter, receipt number : XXXX is to formally advise you that I believe your company has violated several of my consumer rights. Specifically : You failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following : Validation of Debt Request -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 

I expect to receive the proof requested above within 1 day of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted. 

I have hired a consumer attorney to assist me in this matter. 

1.XXXX Original creditor : 01 XXXX XXXX XXXX XXXX {$270.00} Account number XXXX Collection opened XX/XX/XXXX 2.XXXX XXXX Original creditor : 06 XXXX XXXX XXXX XXXX {$140.00} Balance updated XXXX XXXX, XXXX Account Info Account number XXXX Collection opened XX/XX/XXXX 3. XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  {$1200.00} Balance updated XXXX XXXX, XXXX Account Info Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  {$1000.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account 5. XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  {$1000.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account Paid off : 0 % Balance on XXXX  XXXX, XXXX Loan Amount {$1000.00} Experian collection XXXX XXXX XXXX/ Original creditor : XXXX XXXX {$4400.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened 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 non-monetary relief
Consumer complaint received 2021-03-15
Company: WorldRemit Corp.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent money to the XXXX using WORLD REMIT for a total amount of {$210.00} ( {$1.00} for service fee ). I sent the money on XX/XX/2021. I consistently called WORLD REMIT every single day since XX/XX/XXXX until today XX/XX/XXXX because they have still not transferred the funds to the receiver 's XXXX account which is a company in the XXXX. I also tried to request for cancellation but I got an email stating that they are having a technical issue. They also told me that there is a technical issue with their local partner in the XXXX. However, they are unable to further describe what technical issue they are experiencing. It has been 8 days since I sent the money. 

I tried sending money to the XXXX using a different money remittance company called XXXX and they were able to transfer the money REAL TIME. The receiver got the money through XXXX which is also a company in the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am a Citizen of XXXX XXXX XXXX XXXX frequently visiting the U.S. especially the XXXX area ( XXXX XXXX  XXXX-XXXX-XXXX ). When I was in the U.S. in XXXX XXXX I opened my Bank of America bank account and operated it for almost 1 year and six months from XXXX to XXXX. When Bank of America forced closed my bank account on XX/XX/XXXX due to inactivity reason. After happening this I contacted the bank several times and given multiple phone numbers while spoken to several Bank officials in the U.S. from XXXX. I am now in XXXX and I have an urgent need to re-open my bank account and expect a wire transfer for XXXX XXXX XXXX of my proposed U.S. Start-up venture. 

I am asking for the Bank to EMERGENCY RE-ACTIVATION MY FORCED CLOSED BANK ACCOUNT to make this thing done. Among the phone numbers that I was given to contact the bank are these below : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX and last [ ( XXXX ) XXXX XXXX XXXX, Bank Lawyer for Customers ] all these numbers I made calls didn't make positive outcome. 

Kindly please let me know the charges and what are requirements of information needed for this matter to resolve it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have Purchase a Merchandise from XXXX XXXX XXXX That was Describe as {$5000.00} Estimated Customer Return Item in Unknown Condition. They Requested Wire Transfer to Their Business Account Which I Used to send Money Using Chase. 
After receiving Merchandise It become Clear it was a Fraud and Scam, They send me Item That Total Brand New MSRP is Not Even {$300.00} Let alone {$5000.00} or Close to it. 
I contacted My Bank and Explain To Them Wire was a Business Transaction, It was Send to a Business Account not Personal Account of The Register company Name. It is a Fraud and Scam That I would Like them To Dispute The Transfer with Receiving Bank and Help Reverse it. Receiving Bank is XXXX " WIRE TRANSFER INSTRUCTIONS To : XXXX  XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX Routing and Transit Number : XXXX For Credit Of : XXXX XXXX, XXXX. 
XXXX XXXX XXXX, # XXXX XXXX, CA XXXX Credit Account # : XXXX Additional Information : Only include your order number XXXX on the memo, any additional information will cause a delay in processing. '' Person Told Me It does not Matter it is a Scam they won't do anything About it. It is Outrageous So Now Bank is Openly Facilitating Scammer and Fraudster. Even They Know Where the wire is send and It domestic Wire and It is an Illegal Fraud/Scam under U.S jurisdiction XXXX He refuse to help and do what should be Done. 
Bank Are Given Extra-ordinary Mandate and Govern Themselves as member of Association part of Independent Federal reserve and It is Least Expected That they will show Creditworthiness of stand against Scam/Fraud with consumer who trust them with their money. 
Also they are obliged to Follow Law, Not Protect and AID scammer and Fraudster committing Wire Fraud and Scam. By Not Doing anything They are Actively Aiding the Illegal Activity Conducted by a Person, Business or What else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Paypal Holdings, Inc
State: ME
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I ordered firewood from a seller on XXXX market place, requested prepaid before delivery.was supposed to be delivered XXXXXXXX XXXX XXXXXX/XX/XXXX, received a message that he was having truck issues and would be delivered by XXXX XXXX XXXX XXXXXXXX XXXX. i asked if he had a problem finding the place because he hadn't delivered yet, claimed still having truck issues after telling me it was fine earlier and would be delivered later.Approximately XXXX he sent a message that I neede to send another {$250.00} as a refundable insurance to someone with a different name, at that point I messaged him to tell him that I had never heard of such a thing and we should just cancel and refund my money.His message said that wouldn't happen and to just pay the extra money. transaction was through Paypal, I filled out a complaint with them and was denied transaction date : XX/XX/XXXX recipient XXXX XXXX ID XXXX Case Number XXXX I never recieved goods paid for and haven't heard anything back I tried XXXX XXXX department at Paypal and only got busy signal every attempt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit score had been increasing over the year XXXX as I paid off credit cards and my line of equity. I worked very hard and at the XXXX all my credit cards were clear AND by XX/XX/XXXX I had paid off a line of equity. It was no small thing because I paid more than what was due. 
My score from the beginning of XXXX was XXXX, which is in the excellent range. I checked every month and would see it go up a XXXX or XXXX. 
I paid off my equity line in XXXX In XXXX, I saw that my credit score dropped from XXXX to XXXX, and then a month later to XXXX. I tried like mad to get in touch with XXXX, to no avail. 
The " information '' that was on my credit report was vague, it did NOT address why my score dropped. It would speak in generalities of why a score might drop, such as missing a payment which I ASSURE YOU WAS NOT THE CASE. i have been guarding my credit like mad these days as I hope to be able to buy a desperately needed newer car. 
In XXXX I went nuts trying to get any info from XXXX, as their writing was so general and none of the negative things they said applied to me. there was no hits on my credit report, I did not add to my debt in fact, it said i had a lot of credit and low use. I NEVER got any response from XXXX, not by email, not in writing, not by phone. I asked they please call me but these folks are living in the XXXX XXXX 
I inquired at my credit union about my score dropping and they wrote specifically how that would impact my loan should I apply. I would NOT get the best rate but the second best one. In this time of rising interest rates that can be a big difference in payments and paying back a car. Please will CFPB look at the two documents I hope I'll be able to upload which explains what they say about how the score change will impact me. I paid off my equity loan in XXXX, but the bank there increased my limit. I DID NOT ASK FOR THAT AND IN FACT DO NOT LET ANYONE LOOK AT MY CREDIT REPORT. BUT YOU CAN'T CONTROL THESE " SOFT '' REVIEWS AND IN FACT, THREE TIMES BEFORE MY CREDIT SCORE DROPPED IT WAS XXXX WHO LOOKED AT MY REPORT THREE THREE THREE TIMES IN ONE MONTH. WHAT IS THAT ALL ABOUT? I THINK THERE IS SHENANIGANS WITH XXXX, AND I BEG YOU PLEASE DO SOMETHING, DON'T JUST SAY OH WE'LL SEND THEM A COPY. THIS COMPANY IS BAD NEWS AND THEY DON'T PLAY BY THE RULES THEY JUST DO AS THEY PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Wells Fargo i haven't been able to login to my unkind account and tried to fix many homes there had been fraud since XXXX also XXXX XXXX my account has been hacked by someone v and had to get a new number abs my old number someone antsy has it on XXXX account which has only been s month so somebody b ported it over because i was trying to get it back and they told me it was c in someone else 's account XXXX XXXX tried to call them plenty of times but my calls get reroited and v can't get hold of then for b the months I've told XXXX XXXX but they have not done anything about but

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 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
It appears that my file has been compromised. Again, I was going through my records & noticed that some of the information was erroneous. Under section 605b of the FCRA you are required by law to delete the account, as unconfirmed information without producing proof within the legal time range. XXXX XXXX XXXX : {$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 2022-10-26
Company: Incomm Holdings Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I went to use my card. I had a balance of XXXX and was declined. Turns out someone got ahold of my credit card number, I still have the card in my possession, a fraudulent charge made of XXXX and they left XXXX on the card. I called Vanilla customer service and received the dispute packet and submitted back on XX/XX/2022. The rep. told me the charge was from XXXX. I locate the website and sent an email to customer service. I received the email back which appears not a legitimate company. After I submitted the dispute packet to Vanilla, I received an an email stating Please allow time for the processing of your dispute. The entire cycle can take 45-90 days, however, some cases are resolved before then. I called in 45 days and was told still working on case. I called on XX/XX/2022 and told by end of business they will have the results to call back the next day. I called back on XX/XX/2022 and the rep tells me still working on case to call back in 3- 5 business days. I told her this was to be already resolved since it is more than 90 days. I was already told to call back and I have and now this case is in my favor, the email specifically states 90 days. She stated needed more time and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I opened personal checking account with Citibank online on XX/XX/XXXX. I connected my XXXX  XXXX and transfer my {$1800.00} to my Citibank account online. I was trying to login to my account using Citibank online app and Citibank login through the desktop website I was unable to see my account it was just a white blank page. I contacted Citibank on numerous occasions why I couldnt check or login to my account, they said my account was closed but they wouldnt give me a definite reason as to why. They said they closed my Citibank account and theyll send me a check of the remaining balance in my Citibank account today is XX/XX/2021 and I still havent received my {$1800.00} check in the mail.

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 2022-04-28
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022 I called Caliber home loans regarding my escrow account. I spoke with a representative that told me that I would need to pay {$7700.00}, and then I could have my escrow account removed. She showed me where to get the form and explained to me once I reach 78 % and request to remove escrow it will be granted. 

I called and spoke with a representative today and was told that this was rejected. There was no real explanation other than to check my disclosure. I have checked my disclosure which I have attached along with the escrow removal form. 

Attached you will be able to review the disclosure, the escrow removal form, and see the check that I sent for the payment on a downloaded XXXX for the month of XXXX from my account.. 


Again, I just want to be treated fairly.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX dont owe ic system any money. I understand ic system is a debt buyer. I dont have a signed contract with ic system. Im requesting ic to ceast and defrain from contract me. I request everything by postal mail. I want ic to delete collection off my credit report ASAP. This is a violation of fcra

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 2022-09-14
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Creditor contacted XX/XX/2022. Amount listed owed on credit report is the wrong amount ; entered into an agreement on a lower amount with two payments made in XX/XX/2022 ( {$49.00} and {$50.00} ). Current balance is {$590.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
My ex friend posted my info on her social media outlets telling all her followers to commit unemployment and PUA fraud. I then started to get inquiries that i do not recognize. I also got a email from XXXX saying some tried to use another account to file my info on XX/XX/XXXX. I had already filed my return on XX/XX/XXXX. Also, I always file my son. Knowing they do not have my son 's info, the account filed without my dependent is fraudulent. The person who posted my info name is XXXX XXXX XXXX, XXXX : XX/XX/XXXX. Her home address is XXXX XXXX XXXX, XXXX, il, XXXX. I tried to go to my local police department but they told me to file a non emergency report online. I have a Macys card inquire and a CitiBank inquire that was not me. If this woman ( XXXX XXXX XXXX ) has your info for any reason report her.

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 2023-01-10
Company: Paramount GR Holdings, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
We were issued an installment loan with Goodleap for our solar panels through the company XXXX XXXX. Our first payment was due once the system installation was completed. However, XXXX XXXX went out of business before the job was completed. We called Goodleap once we found out XXXX XXXX had filed for bankruptcy and gone out of business and explained the situation. Goodleap said they had received multiple calls from XXXX XXXX clients all in the same situation but Goodleap is still bombarding night and day with calls and texts, letters and emails for payment on a loan for system that was never completed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, 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:
IN ACCORDANCE WITH THE FAIR CREDIT ACT XXXX XXXX ACCT # XXXX 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A. SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
KOHLS credit card is reporting that I was 30 days late as of XXXX 2017,  but I have a statement from XXXX doesnt show that

Company response to consumer: Closed with explanation