BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-14
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
I received a payment of {$1000.00} through PayPal from the Clinton Presidential Library. I specifically declined to receive an immediate transfer of the money so that I could avoid the service fee. Nonetheless, PayPal only transferred {$1000.00}? I followed PayPal 's appeal process through two rounds but was never provided with any information about why the reduced the amount or denied my appeals. I specifically rejected the immediate transfer option. I thought that the process was pretty deceptive since I could see that they kept trying to get me to accept the fee but I never did. I imagine this is a recurring problem with PayPal 's service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: Experian Information Solutions Inc.
State: DE
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:
From XX/XX/XXXX to XX/XX/XXXX I have paid off over {$9000.00}. in cred t and Loans. My XXXX  ( is XXXX and my XXXX  is XXXX but my Experian just dropped 24 points to XXXX. 
It actually seems that every time I complain, they drop my score! I have worked very hard over the last year to clear my debts but with the bad Experian repot I cant get a car loan. 
Their score is SO different from the other 2 it can't be correct. Please help.

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 2023-06-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

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

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-06
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
THE DISMISSED ACCOUNTS NEED TO BE REMOVED OFF MY CREDIT FILE FOR IT HAS CAUSED TREMENDOUS DAMAGE TO MY REPORT. PLEASE SEE ATTACHED FORMS AND RE-INVESTIGATE THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Im accordance with the fair credit reporting act I have some accounts that are in violation of law 15 usc 6802 -Obligations with respect to disclosures of personal information ( b ) opt out states ( 1 ) In general A financial institution may not disclose nonpublic personal information to a non affiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 0f this title, that such information may be disclosed to a third party. I never gave or received anything in writing giving permission to disclose public information. If you have no documents stating i gave permission to disclose information please delete this account from my consumer report.

Please delete the following inquiries off my consumer report.They should not be on my report. This agency is in violation of 15 USC 1681i ( 2 ) ( A ). They were to notify me of this in writing 5 days prior, I was not notified. In addition to the violation above pursuant 15 USC 1681ia ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general 5 ) Treatment of inaccurate or unverifiable information. ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information from the file of the consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporing agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify the item of information, as appropriate, based on the results of the investigation. : This account is inaccurate showing different information not accurate. Please delete the following accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Failure to respond satisfactorily with deletion of the above reference accounts, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for ; 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance -616.Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2023-08-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXXXXXX and XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-24
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SINCE XXXX I BEEN FORMALLY REQUESTED TO BE CONSIDER FOR A LOAN MODIFICATION AN EVER EVER BEEN HELP AT ALL I BEEN REJECTED, TOTALLY IGNORED AND THE COMPANY MISLEADING THE INFORMATION MANIPULATE THE US POST OFFICE WITH THE BACK DATED NOTICE AND SOLD MY HOME WITH OUT TAKE AL LOOK OF MY APPLICATION, DO NOT RESPONSE MY PHONE CALLS AND FINALLY THEY SOLD MY HOME ON XX/XX/XXXX AND I HAVEN'T BEEN ABLE TO CONTACT THEM AT ALL AND I HAD SOME CALLS FROM THEM WITH TREATS, PRETENDING THAT THEY DO NOT UNDERSTAND ME OR THEY DO NOT HEAR THE CONTACT IS NOT CLEAR I A A SENIOR XXXX AN I DO NOT HAVE ANY WHERE TO GO IF THERE IS ANYTHING THAT YOU CAN DO TO HELP ME AND MY FIANCE XXXX XXXX SHE IS SENIOR AN XXXX TOO

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: IL
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 request that you take immediate action to investigate this matter and remove any other inaccuracies from my credit report.

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 2021-04-05
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:
Please remove all fraudulent accounts as I have no know of any of these accounts due to the Equifax data breach/ identity theft. All is being investigated by the FTC. According to FCRA 605B this information must be blocked immediately until the investigation is over.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I reached out to AMERICAN EXPRESS to exercise my consumer rights regarding a billing error in which I never received a response. American Express is continuing to violate my federally protected consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24
Company: ARVEST BANK GROUP, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hi, I have been informed when I started myForbearance Plan with XXXX XXXX XXXX XXXX that my credit score will not be affected. This has also beenwritten in their Forbearance Plan that credit scores will not be affected. 
The Credit Bureau has informed me recentlythat my credit score has been impacted and lowered severely because of my Mortgage loan ( ForbearancePlan ). 
I am disputing what happened, and I was hoping you could help me restore my credit score as it used to be because this doesn't seem right and not fair. 
Please, I am looking forward to your helping me resolve this matter by contacting the3 Credit Bureau ( XXXX ) as soon as possible. 
Regards XXXX XXXX XXXX LOAN # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Experian Information Solutions Inc.
State: FL
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 Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-05-03
Company: Experian Information Solutions Inc.
State: SC
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:
On XXXX XXXX, XX/XX/2023, and XX/XX/2023. 

I reviewed my credit reports, and noticed quite a few inaccuracies. I sent out dispute letters to all 3 credit bureaus, advising of the negative, inaccurate items. I have not received any responses to my request, nor have the bureaus removed the inaccurate items. It is well past the 30 days according to the FCRA that is the amount of time they have to provide a response. Clearly this is a violation.

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 2021-04-04
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/21, I sent a letter regarding inaccurate and unknown items on my credit report. It has been over 60 days and I have not received a response yet. With COIVD going on I understand that it may take a little longer to process my request but over 60 days??. According to Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason for immediately remove those items from my credit report, it has been over 60 days therefore they should be promptly deleted. I demand these accounts be deleted immediately or I will file for litigation due to failure to comply with the laws set in place and the time and financial restrictions these items have placed on my family and I. I am not sure but under the impression that the inaccuracies are a result of my information being involved within the equifax data breach and may have been taken by someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: MD
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:
There are incorrect negative items on my credit report XXXX XXXX Account # XXXX Late Payment : XX/XX/2017, XX/XX/2017, XX/XX/2017 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
PLEASE NOTE, I'M NOT USING ANY XXXX XXXX FOR THIS MATTER, I represent myself by myself and this is not a duplicate complaint. I'm sending this complaint due to new evidence. XX/XX/2021, I sent a letter to the XXXX asking do the report bankruptcy to the credit bureaus and I got a letter response dating XX/XX/2021 stating : They DO NOT REPORT any bankruptcies to anybody So If this the case. How did the credit bureaus verify my bankruptcy as XXXX XXXX  Accurate?? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from consumer. 
They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C. 1681 section 602 A. States I have the rights to privacy.

According to : 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
According to : 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. 
I'm sending tis complaint as well to the XXXX XXXX 
Also ONLY TRANSUNION CREDIT BUREAU HAS REPORTED THIS RECORD ON MY REPORT. 
I HAVE INCLUDED IN MY DISPUTE A COPY OF : Letter to the court, letter from the court, copy of my ID, copy of my SSN, proof of address.

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 2022-06-14
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
It appears that Wells Fargo is up to its old ways of opening new accounts without permission. In late XX/XX/2022, I received a statement for a Wells Fargo Everyday Checking account dated XX/XX/2022. The statement was initially sent to an old address and forwarded by USPS. Per the dates included in the statement, the account was opened on XX/XX/2022. At no time in XX/XX/2022 did I ever contact Wells Fargo to open a checking account. I do have a credit card with them, but no other accounts. As well, the credit card statement comes to my correct address. Additionally, the checking account does NOT show up in my online account with Wells Fargo. 

I contacted Wells Fargo on XX/XX/2022, at ( XXXX ) XXXX and spoke with a representative, and made them aware that the account was opened without my request/permission. I was transferred to someone in the " fraud department ''. They supposedly closed the account and give me case # XXXX. Subsequently, I received a statement dated XX/XX/2022, but since it was shortly after my initial call I ignored it. Yesterday, I received another statement, dated XX/XX/2022. This leads me to believe that the account was NOT in fact closed at my initial request, so I decided to file a complaint.

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 2023-10-02
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX, I am writing a second request to have my reporting status updated with the Credit Bureaus. I was a customer American Express and held a XXXX XXXX, during a difficult transition in my life, I fell behind with this credit card. As soon as permissible, I paid this account off in full as agreed dated XX/XX/XXXX. Upon referencing my updated credit report It is currently states. " Your account has overdue payments. Pay the minimum amount to avoid a charge off going to collections ''. When applying for credit, it seems as if this delinquency is current in which this is a Paid Charge-Off ''. As previously mentioned, I have done my due diligence in satisfying my debt and I am asking and pleading to have this status changed. On a previous occasion, I had requested to have my status changed and was not as successful however, on this occasion I would like yo have my payment history to be neutralized as it affects my ability to grow with your company as well as other lenders or update my history to reflect that this is not currently a past due account across all three bureaus. Thank you for your cooperation in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/XXXX XXXX AMEX credit card balance of {$2300.00} with XXXX XXXX XXXX check # XXXX ( XXXX Routing # XXXX. Checking account balance at that time : {$39000.00}. I was notified by AMEX undated email " Return Reason : Can not be processed. Please refer to your financial institution ''. XX/XX/XXXX AMEX Cust Svc spoke to XXXX : said Credit Team told him the check was presented four times and always returned and to call my bank. XXXX Cust Svc spoke to XXXX : no record of the check being presented. He believes AMEX tried to convert it to an e-check and used wrong XXXX #. They have experienced this before with AMEX. This check never showed on my account as being returned. Two more checks have ben handled by AMEX in the same manner : check # XXXX dated XX/XX/XXXX for {$1700.00} returned XX/XX/XXXX ( my checking acct balance at that time {$32000.00} ) ; check # XXXX dated XX/XX/XXXX returned XX/XX/XXXX ( my checking acct balance at that time was {$28000.00}. Multiple conversations with AMEX Cust Service always telling me the checks were returned by my financial institution as " 'Admin Returns '' and it isn't their problem. Sent letters to AMEX on XX/XX/XXXX and XX/XX/XXXX explaining what was happening to me and asking for someone to explain and fix. Executive Cust Service Rep was assigned to this case and kept telling me the same thing, that it is all my banks problem, talk to them. This circuitous nonsense of responses has been going on since XX/XX/XXXX, and going nowhere because no one at AMEX will give me a straight answer as to why checks from my XXXX account that I have used for 20+ years to payoff my AMEX balance monthly, is suddenly no longer acceptable in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-14
Company: Sequium Asset Solutions, LLC
State: MN
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Thank you for providing that additional information. Here 's a revised phrasing for your complaint, taking into account that you asked XXXX to disconnect the service : " About three months after signing up for XXXX 's Internet Essentials service, I received a phone call informing me that I owed them over {$600.00}, which was significantly higher than the expected XXXX XXXX  monthly charge. Upon receiving this call, I requested that they disconnect the service and retrieve their equipment, as the charges did not align with the agreed-upon service of Internet Essentials at {$10.00} a month and a 10-channel program for about {$11.00} a month. I explicitly requested no further contact, as the situation did not match our initial agreement. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: Selene Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had my account set up on automatic bill pay through my bank XXXX  XXXX XXXX for over 2 years. My XXXX payment was processed and mailed to them by XX/XX/21 ( see attached ). 

On XX/XX/21 I called them because I could see that they had not processed my payment at that point. I told them my concern of being reported late on my credit report and charged a late fee. 

The person I talked to said that they were behind in processing payments due to the postal service. He assured me because of the delay in processing payments I would not be assessed a late fee. 

The check was finally processed on XX/XX/21 ( see attached ) and I incurred a late fee on the next statement and subsequently a late fee on the XXXX statement.

Company response to consumer: Closed with explanation