BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-08
Company: Experian Information Solutions Inc.
State: WA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

EXPERIAN : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$32.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance XXXX {$15000.00} XXXX XXXX ( Original Creditor : XXXX XXXX COMMISSION ) XXXX Balance XXXX {$32.00} XXXX  XXXX Balance : {$510.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$220.00} XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX : XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX Original Creditor : XXXX XXXX OF XXXX ) XXXX Balance : {$420.00} XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$110.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

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 2023-07-05
Company: Paypal Holdings, Inc
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have a recurring monthly automatic purchase of {$100.00} to a vendor setup in Paypal. For the month of XXXX and XXXX the payment was charged to the Paypal XXXX, which was authorized. But for the month of XXXX, PayPal charged my Checking account instead of Paypal XXXX. 

I tried calling paypal to find out why the payment method was changed, and they claim that the payment was denied by the Paypal XXXX. However, Paypal XXXX claims that they do not see any purchase attempt or denial. 

I tried calling Paypal multiple times and was transferred back and forth between Paypal and Paypal XXXX services. Paypal did not provided me why the authorized payment method was changed from Paypal XXXX to Checking account on a recurring purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-27
Company: Io, Inc.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My granddaughter received care on XX/XX/XXXX under a XXXX XXXX referral. XXXX XXXX submitted an insurance claim under the wrong last name although the correct last name was given along with name change court order and custody paperwork. I was out of town and they would not resubmit claim under correct last name when my wife called them in XX/XX/XXXX. Instead they turned it over to a collection agency called Receivables Management Systems whom are very rude and threatening in their tone and legal threats. I disputed the debt with them. 

I have provided XXXX the renewed authorization number on XX/XX/XXXX and again on XX/XX/XXXX for payment through XXXX. RMS validated the debt with XXXX XXXX on XX/XX/XXXX which is 11 days after XXXX received the new authorization for the insurance claims payment. Instead of removing the account from RMS after receiving an authorization, they validated it with RMS and it remains on my credit report as a collection when I have fulfilled all my legal obligations to resolve this. 

I asked that XXXX remove the account with RMS as an error of reporting, remove negative credit reporting and file the claim with XXXX. The initial problem was a result of a clerical error with last names not matching the original referral which had the correct last name. 

I am just asking for a common sense approach to this as it was really quite simple that XXXX had a referral for the correct last name but a medical claim from XXXX XXXX for the wrong last name. It was denied and patient first never resubmitted under the correct name even though they were alerted to the possible error in filing. 

Never the less, XXXX has now authorized the claim once again and to date, they continue to validate this as a debt to RMS, their collection agency. Additionally, I only received one notice from Receivables Management Systems in which I disputed. They had already placed this on my credit report before validating the debt.

Company response to consumer: Closed
Consumer complaint received 2021-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/21 I paid a negative account balance of XXXX capital one 360 is still reporting this account as not paid. Additionally capital one 360 is also reporting I have a negative balance in an account that customer service has be unsuccessful with locating. I have no knowledge of the second account being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of XXXX I took out a loan from XXXX XXXX. It was extremely high interest, so the payments were expensive. I ended up not being able to completely pay it off, and the payment were returned by my bank, so it wrote off to collections in XXXX. They sold the debt to XXXX XXXX XXXX, and they reported it correctly. Fast forward to XXXX and I applied for a personal loan to build my credit and the creditor asked me about this " new delinquency ''. I know that I don't have any new delinquencies, so I thought it must be a mistake. I pulled my credit report and saw that it was now sold to NCA or National Credit Adjuster and they are falsely reporting that I took out a loan in XX/XX/XXXX and made no payments, and it wrote off in XX/XX/XXXX. This is a huge violation of my rights and their lies have now hurt my credit. I filed a dispute with XXXX and it came back as no change, it said the company showed proof of these dates?? So they're falsifying documents or something. I signed an agreement in XXXX and haven't since then. I am attaching the statement of the loan taken out and the return notice from the bank to show the dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
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:
On XX/XX/2022 I mailed my FTC identity theft report to Transunion via Certified mail they received my document. In Pursuant to 15 USC 1681 c-2 ( a ) transition has 4 DAYS from the data of this notice to comply with my demands as set forth in the context listed in my FTC report XXXX I have called the specialist fraud department about my FTC report and they stated It takes 30 days for an investigation. They sent my completed investigation after XXXX week which isn't a full 30 day for an investigation. Please be clear that no consent or authorization is IDENTITY THEFT! Transunions willful noncompliance has resulted in identity theft which I demand to Cease & Desist! Pursuant to 15 USC 1681 a ( 2 ) Congress makes it clear that a consumer report does not contain any transactions and or experiences to be updated in accordance with my written instructions. I have called and contacted the dispute and the fraud department. This will be my final time reaching out to have these items removed off of my credit report. I am ready to litigate if my rights continue to be denied by Transunion. I have the attached documents and my FTC report that they failed to correct on my consumer report. As a consumer I have the right to a 100 % accurate consumer report under the FCRA. I have contacted and mailed letters numerous times and the fraudulent accounts have not been removed. I have contacted the Attorney General XXXX XXXX on serval occasions and Transunion has failed to remove the items

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 2022-10-14
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Starting on XX/XX/XXXX through XX/XX/XXXX there were 18 charges on my Citibank account from XXXX which were unauthorized. Based on my conversation with the Citibank Fraud Dept. I was advised that my XXXX XXXX account had been hacked. 

I was credited the full amount, but then received several letters from Citibank advising that " '' Your claim was researched, however, there was insufficient information to conclude that the above transaction was unauthorized ''. 

These charges were fraudulent and Citibank is refusing to assist in this matter so that I may be credited the almost {$700.00} in fraudulent charges.

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 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name US DEPT OF EDXXXX Account XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A States I have right to privacy 15 U.S. C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States ; no consumer 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 know or has reasonable cause to believe that the information is in accurate. 

The response on XXXX for 60 days of completeness is not correct the company has 5-30 days for completeness 15 U.S. Code 1681i - Procedure in case of disputed accuracy W15 U.S. Code 1681i - Procedure in case of disputed accuracy U.S. C The furnisher generally has 30 days from the date the consumer filed the dispute with the CRA to complete its investigation and make appropriate notifications, but the investigation period may be extended an additional 15 days in some circumstances. 
r reseller. ( a ) Reinvestigations of disputed information ( XXXX ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer

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 2018-04-27
Company: World Omni Financial Corp.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am truly in need of your help. World Omni Financial is reporting on my credit report and I do not believe this is correct information. I have disputed this with the bureaus and requested information directly from the company. The bureau has done nothing except indicate they validated the debt and World Omni has not responded to my request for additional information. There was no break down of fees received no payment history nothing. I don't understand why no one is giving me requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX Bank Account XXXX XXXX XXXX XXXX XXXX XXXX Bank Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX # XXXX In accordance to The Fair Credit Reporting Act, the accounts listed above has violated my rights. 

XXXX U.S.C 1681 Section 602.A States I have the right to privacy 15 U.S.C 1681 Section 604.A .Section 2 also states a consumer reporting agency can not furnish an account without my written instruction.

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 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/2021 I received an update alert on my XXXX report showing XXXX XXXX XXXX reported me 30 days past due for XX/XX/2021, which my payment was due XXXX XXXX, however I notified XXXX  on XXXX XXXX regarding I would be making a payment on XX/XX/2021. I contacted them today and inquire how I can be late 30 days its still XX/XX/2021. On XXXX XXXX, XXXX placed me on a covid relief skip payment plan for a couple of months. I attached my payment confirmation.

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 2023-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Capitol one approved me for a XXXX dollar cc I have never had one and wanted to build credit I have a 700 plus credit score and no collections or late pays. 4 days after receiving card I had made 3 purchases then they restricted my card without any notice I called emailed wrote everyday and they could not give me a valid reason for this they said it was flagged but that's not possible I had card 4 days they will not provide me any reason and won't lift restriction I've already made a pymt on time. They have reported it to credit agencies as an open acct I can not get another card because this one 's still showing open I am now going to become delinquent because they restricted my card with no valid reason or notice

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
The incorrect account was still found in my reports which I believe has been taken care of due to the written appeals I sent. Their action has violated the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to corrected immediately : XXXX 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 explanation
Consumer complaint received 2023-09-07
Company: HomeTown Lenders, LLC
State: MS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the loan closing

Complaint:
I started my home loan process with hometown lenders back in XXXX. It started out great but towards the final process of my loan things have taken a turn for the worst! This has been the most stressful experience of my life. My loan officer did not tell me that I would have to put funds in an escrow holdback at closing. She kept saying that I qualified for the dream home program and would close and have over 30 days to complete the needed finishes on the home I purchased. Then right before closing, I was told I had to put over {$15000.00} in an escrow holdback so that I could close on time. I believe I closed on XX/XX/XXXX and then it said that I had to make the repairs by XX/XX/XXXX. I told the loan officer that I did not think my contractor would be able to make that timeline but she told me to sign it anyway and to not worry about the date. I never felt comfortable with this. Then, my contractor did not complete it by that date. I was threatened after this by the loan officer. She would say that if it was not completed Hometown Lenders would fine me for not holding up to obligations. She also contacted my contractor and demanded to know when he would complete the repairs and was extremely rude to him. Now, the work has been completed. The appraiser has also done the final inspection and my funds have still not been released. I already had to pay my contractor some of the balance for the completed repairs before even receiving my funds from the escrow. This has put me into financial turmoil. I am absolutely devastated and do not know what to do! I already had to come up with {$15000.00} and now I will have to pay my contractor almost {$9900.00}. This is {$25000.00} that I have had to come up with and I have no idea if or when I will receive this {$15000.00} back. This has gone on for weeks and Hometown still cant tell me where my money is or if I will get it back!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am an XXXX retiree and have recently accepted the fact that I am a victim of being scammed. Part of the scam included my former bank Wells Fargo until they closed my accounts on XX/XX/XXXX, taking funds from my checking, and savings accounts and also taking funds as a cash advance from my credit card account. 
I have received a letter from WF dated XX/XX/XXXX in a packet of about 20 pages and stating the obvious but totally failing to address my most important concern accepting an extremely large deposit that in turn was used for wire transfers. 

However because WF did not put the deposit on hold, the wire transfers were made thinking that the funds were available, but they were not and WF determined that AFTER the wire transfers were made.

I think that WF should have put the deposit on hold and advised that the funds would not be available until a certain date, especially since I had been a customer of WF for almost 30 or more years and had never made a deposit of such a large amount, should have been a red flag to WF. In addition, WF should have been suspicious of so many wire transfers as my current bank was and also my current bank convinced me that I was a victim of a scam but that did not happen until XX/XX/XXXX, and I reported to the XXXX XXXX Police Department on 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 2022-04-15
Company: Experian Information Solutions 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2021-01-15
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: Their investigation did not fix an error on your report

Complaint:
There is an account showing on all three bureaus but only XXXX  is showing it as {$0.00} balance. Equifax has shown it as a balance owing of {$1500.00}. The account amount is not correct. I have attached the letter from the attorney general Child Support to show I have not been in default but i have a credit of over {$1100.00} in my account.

Company response to consumer: Closed with explanation