BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-26
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have reached out to experian many times to update and remove the following incorrect addresses from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX georgia XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, & XXXX XXXX XXXX, XXXX XXXX ga XXXX. 

please add my current and only address to my credit report XXXX XXXX XXXX XXXX XXXX GA XXXX, please remove the incorrect name : XXXX XXXX from my credit report please remove fraud alert from my credit profile

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 2020-02-24
Company: AMERICAN EXPRESS COMPANY
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I am attaching documents showing that I have asked the account to be closed. I also sent additional documents with my CFPB Ref no : XXXX-XXXX. I am asking for my account that I closed to actually be closed! I am attaching a letter from my attorney. I am attaching billing statements I continue to receive for an account I no longer have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Paypal Holdings, Inc
State: DC
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 PayPal Support Team, I hope this message finds you well. I am writing to contest the permanent limitation placed on my PayPal account, associated with the email address XXXX. I strongly believe that this limitation has been imposed in error, as I have not knowingly violated any PayPal policies or engaged in any unauthorized activities. 

As a long-standing PayPal user, I have consistently adhered to PayPal 's terms and conditions. I hold great value in maintaining a trustworthy and cooperative relationship with PayPal and am committed to resolving any misunderstandings or concerns that may have led to this unfortunate situation. 

I kindly request that PayPal conducts a thorough reevaluation of my case, examining the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal a misunderstanding or error. I am prepared to provide any necessary documentation or information to support my appeal. Restoring my PayPal account would not only alleviate the inconvenience I am currently facing but would also allow me to continue utilizing PayPal for secure and efficient financial transactions, as I have done in the past. 

I appreciate your prompt attention to this matter and kindly ask that you commence the review process at your earliest convenience. Should you require any specific documentation or details from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I look forward to a swift resolution of this issue and the opportunity to resume using PayPal 's services. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I see three credit inquires in my name. I check my credit scores in XXXX   XXXX. 

I got an alert, there is an hard inquiry on my credit report. None of which i authorized. 

These are the details i see so far on my account. 

XXXX  1. XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 2. XXXX XXXX XXXX  XXXX Inquiry from XX/XX/2020 TransUnion 1.XXXX  XXXX Inquiry from XX/XX/2020 2020

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 2018-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I deposited a {$600.00} check from my husband 's XXXX XXXX checking account into my Bank of America checking account using the BOA ATM machine on XX/XX/2018. When I got the receipt, it said there was a two-week hold placed on the check because of the likelihood of it being returned. I have no idea why ; I have deposited my husband 's checks into my account without issues for years. The check cleared his account on XX/XX/XXXX. I have called BOA twice and they refuse to release the hold and insist the funds will not be available until XX/XX/XXXX. I can easily show proof the check has cleared. They told me it is impossible to release the hold while the Connecticut Department of Banking confirmed to me that they have the discretion to release it at any time. So in effect BOA has free use of my {$600.00} for eight days and in the meantime they have bounced at least two items in my account. This should be illegal. If there is proof the check has  cleared they should have to make the funds available. But why should they when they get free use of the money?

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 2023-07-06
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-03-17
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In XXXX of 2021, I requested proof from FCO- Fair Collections & Outsourcing , Inc. for validation of an alleged eviction. However, in the corresponding communication I did not receive any supporting or justifying documents from them nor the rental company. FCO is reporting a {$2000.00} and {$5000.00} balance I allegedly owe in collection. In the mail correspondence I received from FCO they only showed me a balance of {$2000.00} from XXXX XXXX  which I have no former knowledge of. The balance of {$5000.00} is from XXXX and I am highly confused as to how they are even reporting two different alleged balances from two different companies. This is causing me major issues with being able to show lenders my credit worthiness. FCO has been made aware that my accurate name is XXXX XXXX XXXX, the debt they are reporting is allegedly for XXXX XXXX. I understand that my name is common but they can not even show proof of my Social Security Number, my ID Number or a copy of my ID. They can not show any supporting documents they would have on file for me. It is FCO 's responsibility to ensure accuracy and completeness on ANYTHING they are reporting on me pursuant 15 U.S.C 1681. I have attached a small snippet of my name from my Drivers License and you will see it XXXX XXXX XXXX, not 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 explanation
Consumer complaint received 2020-06-04
Company: Midwest Recovery Systems
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On or about XXXX XXXX Midwest Recovery Systems placed an item for collection for {$780.00} on my credit report stating it was opened XXXX XXXX. On XXXX XXXX I mailed a certified letter to request validation that was received and signed for by them on XXXX XXXX and I have not received any response from my request to validate as of yet. This company also attempted to collect this same debt in XX/XX/2018and a letter of validation was sent at that time as well and their was not any response at that time as well it was just removed from my credit report until recently being placed back on their. I am asking for the company to validate that the debt is not past the statue of limitations, the amount owed, the original opening date. I have not had any form of communication with the company and I have not received any letters giving me the opportunity to dispute the item which is my right. I would like for them to remove this inaccurate information from my credit report immediately and cease reporting inaccurate information to the credit bureaus. They have also placed a remark on my credit report that I have disputed the account which I have not been given the chance to do so because I have not received a response to my request for validation from either attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

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 2023-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
On the date of XX/XX/2023 a hard inquiry was added by an unknown company that I can not get a hold of.

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 2023-05-20
Company: Zions Debt Holdings
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: Information belongs to someone else

Complaint:
ZIONS DEBT HOLDINGS LLC has reported erroneous account on my credit report without any prior notice of debt. I have never done business with ZIONS DEBT HOLDINGS LLC or XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2020-03-10
Company: EQUIFAX, INC.
State: OR
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: Was not notified of investigation status or results

Complaint:
I requested a payoff amount by email and gave them my new address to send information in XX/XX/XXXX. I advised them I will pay {$5000.00} toward the balance if they did not advise me of another payoff amount in writing. I advised them and sent a copy of a letter from XXXX XXXX XXXX telling me to make payment to XXXX. I told them I needed a payoff amount from them as we were told by XXXX, when trying to pay to XXXX, that we should make payment to XXXX XXXX  XXXX. They were advised I would not pay anyone but XXXX. 
I waited for several months and on XX/XX/XXXX I made a payment of {$5000.00} by mail to bring my account up to date. I wrote to XXXX  back with a copy of the check, the prior letters and advised them I would resume regular payments and, again, gave them my correct address. 
My credit rating went below 600 due to this problem that was unresolved with them. I was unable to refinance a loan during this period due to ONE low credit score. I was told again to make payments to an unknown ( otherwise ) lawyer firm but never got anything in writing about how to do this. I continue to make my payments to XXXX  by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: MidAmerica Mortgage Inc
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
mid america debited my account although recurring payments got cancelled due to the fact that I paid 10 mortgage payments in advance. 
XX/XX/XXXX the money was debited after several phone calls and hours of waiting on the phone they assured me on XX/XX/XXXX that the money will be wired back. 
Today is XX/XX/XXXX and I still don't have the money. 
amount we are talking about is {$710.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: Exeter Finance Corp.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/21 I call Exeter Finance to make arrangements on my vehicle. I told it not possible. If I call on 30 of last month, it would be ok. So I explain that I'm 2days later on making payments arrangements, yall not willing to help. So now I'm being threatened to get my vehicle repossessed because it charged off on their account. In state of SC, I got received letter as attempts to get vehicle. I NEVER received it. I had problems with this company since my loan with them and I'm tired. They charger additional fee if chose make payments by XXXX or other financial vendors. They lies about fees, and when set up payments arrangements to their standard it won't be in your best interest. I need help please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: Conn's, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I'm behind on my payments because I'm XXXX. I'm almost finished paying off this in store credit account. I try to communicate every month when I can pay. Last month they called me 3 times a day at least. They send multiple text messages. I threatened the corporate office of Conn 's Home Plus with a lawsuit for violating the law. They stopped the phone calls but repeated calls to various departments at Conn 's, I've had multiple employees tell me the only way to stop calls was to pay, even though I worked out a plan to pay off the loan in full in two weeks. They call multiple times a day, and early in the morning when I told them I sleep around that time due to XXXX because I have trouble sleeping through the night. I owe less than {$300.00} and they know they're not going to get the money quicker. They make nasty comments and suggest I borrow the money from someone and call my spouse several times a day while she's at work even though I told them to stop calling that number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Spring leaf/OneMain XX/XX/XXXX I filed a complaint with CFPB under XXXX. 

I found that there were more issues than I has originally realized. 
I have OVERPAID this account more than {$21000.00} I had been paying on this loan from on or about, XX/XX/XXXX - XX/XX/XXXX. That is almost 12 year. I have made many requests to get a copy of my complete financial report for that period, to calculate my exact OVERPAYMENT. *OneMain 's representative, XXXX , Executive Office of Customer Care , XXXX, advised in her response to my complaint with CFPB , " that I was on a recorded line. When I would not accept her offer, suggesting she needed to address my additional concerns, XXXX XXXX said she had to speak with her paralegal, before agreeing to give me my financial history. XXXX came back and advised that since I had not accepted her proposal, she would send it to CFPB along with her response to my complaint. Her letter dated XX/XX/XXXX, to CFPB, indicated there was an attachment. I spoke with CFPB, Agt XXXX XXXX, who advised no attachment was received. I had been asking XXXX for my " Account Transaction History '', since XX/XX/XXXX. Many promises have been made, but the history of what was done with my money was never sent by XXXX. 
Proof of advancements has not been provided XXXX stated, XX/XX/XXXX, that I had made XXXX additional " lines of credit '', increasing the loan almost an additional {$4000.00}. I requested that the proof of these advancements be provided. This would mean thatOneMain states it is showing {$14000.00} was loaned, including XXXX amounts {$490.00} and {$560.00} less than days apart. I would like to see the proof that these advancements were made by me. 
Despite the fact that I have regularly payed on this loan for almost 12 years, my balance with OneMain still shows it is almost {$9500.00}. According to XXXX, OneMain will allow me to continue paying, but with the interest rate reduced to XXXX. Further, OneMain says it will waive {$660.00} in late fees. This last files in the face of a statement from XXXX where she says, in her email to CFPB XX/XX/XXXX, ... '' However, your account has received consistent principal reduction since your payments were made timely. '' ... " and no late charges assessed to your account in the future. '' ( Same email XX/XX/XXXX ) How can OneMain refuse to give mean actual history of the money paid from XX/XX/XXXX to XX/XX/XXXX. I made my last payment to OneMain in XX/XX/XXXX after reviewing and calculating the status of the loan from my own records showing what I believe to be approximately {$21000.00}. If OneMain disputes this amount, then where is the account history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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

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 2017-04-10
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We recently refinanced w ith Wells Fargo, within the last 6 months. They were the holder of our  mortgage and we refinanced with them to get a lower rate and shorter term. We decided to go with them because we were told we would receive a {$500.00} gift card (   XXXX   or  XXXX  - the representative couldnt ' remember which  XXXX  ). Our refinancing was completed several months ago, but even after multiple follow-ups we have not received any gift card/certificate. The rep who helped us refi will not return any calls. We recently sent an email to customer service and have yet to hear a response. Please help us in getting some answers on if there even was a gift card offer and if so, how can we obtain 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 explanation
Consumer complaint received 2020-09-22
Company: EQUIFAX, 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:
I sent Equifax proof of the true debt that I owed to XXXX XXXXXXXX XXXX ordered by the Court of Magistrate of XXXX Georgia XXXX County I also sent them a copy of the certified check stub from XXXX XXXXXXXX XXXX XXXX and the amount of {$1100.00} which is stated on the court order I've disputed this multiple times the amount that reported by professional debt mediation is incorrect on behalf of XXXX XXXXXXXX XXXX I should have been deleted from my credit report because I paid it and have shown proof

Company response to consumer: Closed with explanation