BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
As of XX/XX/2022 on recorded line customer service representative told me after submitting Affidavits I will get back all my unauthorized XXXX transactions but then they refused it I just want my hard earned money back

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 2021-03-06
Company: COMMUNITY BANK SYSTEM, INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
on XX/XX/XXXX, I called my lender asking for a one or two month extension on my auto loan. I have never once been later nor have I requested a previous extension for this loan. Before even explaining my situation, I was advised by the rep that they werent giving extensions for covid ( this was odd to me, as every other lender is bending over backwards to assist ). I then advised that I needed to request a one or two month auto extension due to unexpected vet bills, and was advised " well thats a first. '' She then stated that this wasnt really a valid reason and that normally extensions were only given if I was in the hospital or lost my job. I stated that I was facing a short term hardship and needed the extension. She then advised me that they only grant one month extensions. After some calculations, she advised that to defer my {$430.00} payment, it would cost me roughly {$350.00} to which none of this would go towards my loan, it was " just the cost to defer the payment. '' I asked how the Bank could charge me for my hardship, as I have never been charged for an extension with any other lender. She stated that it was just their rules. To benefit off of a customer hardship and make them pay for financial assistance is horrible and takes advantage o a customer in a time of need.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
Company: Experian Information Solutions Inc.
State: NY
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 has put a remark on my credit report for my XXXX credit card and my XXXX XXXX credit card. Having them put this remark has decreased my credit score. I can't even view what the remark is but there should be nothing posted under these accounts. Last month I disputed the balances on these accounts as they were reporting higher than they actually are. Today upon checking on XXXX XXXX my score decreased due to these remarks added. I am submitting this dispute because there shouldn't be any remarks made. I also am unable to get online to view 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 2023-01-26
Company: EQUIFAX, INC.
State: DE
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: Jon Barry and Associates, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX @ XXXX XXXX XXXX XX/XX/XXXX Bill : {$7100.00} sent to XXXX XXXX XXXX payed the ALLOWABLE amount of {$500.00} on XX/XX/XXXX to XXXX XXXX DBA Paragon Revenue GR opened collection on XX/XX/XXXX This collection charge appears on XXXX Credit Report DBA Paragon has NEVER CONTACTED me regarding the alleged amount owed of {$1200.00} either by a paper trail or phone. I do not know how they arrived at this figure when XXXX XXXX accepted the payment of {$500.00}. XXXX won't remove this charge because DBA Paragon claims it is legitimate. XXXX considers this original bill of {$7100.00} to be payed in full. My out of pocket expenses with XXXX had been met, so I am not responsible for this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I FILED A DISPUTE LAST XX/XX/2021 WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 50 DAYS. I FILLED A XXXX DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2021-05-26
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: Westlake Services, LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX XXXX I refinanced my vehicle through Westlake Financial. In the State of Ohio a company has 30 days to file a lien on a vehicle. After refinancing my vehicle I did not receive a memorandum of title. Eventually the title came after being file XX/XX/2022. The memorandum of title also came directly from WESTLAKE normally it would come from the State of Ohio. Why was the lien file 4months after the paperwork was signed also why does it look different from the original memorandum of title? Please see the attached documents

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
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:
There will be instances where I go to make a routine online transaction and the bank suspects it as fraudulent activity and freezes and puts a hold on the amount of money being sent and my account. I am having to call customer service and waiting from 20 min to an hour just for someone to talk to me. This has happened numerous times and has made me consider switching banks

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 2019-09-29
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am requesting that the late payments get removed from my account from XX/XX/XXXX-XX/XX/XXXX. I have struggled with financial instability for over a year which has caused me to struggle financially to afford basic needs such as food and shelter. Within that time frame I lost my job and have a death in my immediate family. That caused me to be homeless within that timeframe as well. I have XXXX children with no support and I am trying to get my finances under control. Im currently in the income driven plan for my loans however I struggle to pay that payment. Moving forward I will assure that on time monthly payments are a prior if I can get my payments a little lower that I can afford. If not I will make an on time payment for what I can afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: EQUIFAX, INC.
State: MS
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/2021, I mailed a letter about inaccurate accounts on my credit report and requested an investigation. It has been 4 months and I still haven't received any results in the mail and these unverified account still show on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I was needing to close my business account because I was no longer going to be a partner nor do the business so I spoke to a banker XXXX XXXX sometime in XX/XX/XXXX on what steps I needed to take to close or take my name and info off account. I was told we would both have to come in and bring documentation showing i was no longer continuing the partnership or business and that it would need to be notarized which I was able to do and came in with my business partner XXXX XXXX on XX/XX/XXXX and gave banker copies he requested in order to close business account altogether while doing so the banker asked if I had anything pending I said no just XXXX XXXX monthly fee of {$39.00} which I had made several calls around late XXXX XXXXinforming merchant XXXX XXXX of cancelling services and to stop any more deductions by XX/XX/XXXX which they continued to do and I let banker with chase know on XX/XX/XXXX that it was possible that XXXX XXXX may still try to deduct the fee of {$39.00} which I was told by banker that I could put a stop payment which I did. Well here I am still having issues and now the account is over drawn by XXXX which I XXXX XXXX did not make any charges after XX/XX/XXXX. I do not think that is right being a customer with chase bank for many years. I was told till the account was in a positive and not negative I could close. I am very upset because i did not accure any of those charges and i did what I needed on XX/XX/XXXX to take those steps and I have my copy of receipt that account would be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EAST WEST BANK
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been with the Bank for over 14years. I have never requested a wire transfer at the bank or not through my Online Banking. On XX/XX/2022, my online banking account was compromised

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: Scheer, Green & Burke L.P.A.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
on XX/XX/XXXX, XXXX XXXX saw an XXXX, XXXX XXXX at XXXX XXXX XXXX. After services were performed, he learned it was not a covered service. His wife spoke to XXXX Billing who said they would try to re-submit or write it off. 
In XXXX of XXXX, Mr. XXXX received a notice from a collection agency and his wife contacted XXXX who said to disregard it that they were writing it off. A final notice was received in XXXX of XXXX. 

Then, on XX/XX/XXXX, he received a letter from supposed attorneys Schreer, Green, and Burke demanding payment. Mr. XXXX responded with a letter dated XX/XX/XXXX, disputing the claim particularly because more than 12 months had passed with no invoicing and indicated that he had no intention to pay when he had been told it had been written off AND there had not been any appropriate invoicing since XXXX of XXXX. 

Mr. XXXX then received a second letter, undated but with a postmark of XX/XX/XXXX with a copy of the medical account information from XX/XX/XXXX indicating that we had 30 days to dispute it even though we already had disputed it and told them in writing there was no intention on Mr. XXXX 's part of paying the amount. 

The issue of the complaint is that they are trying to collect a medical debt that had gone more than 12 months with no invoicing. Thus the second letter was construed as harassment. Mr. XXXX is a XXXX year old retired XXXX veteran of an allied country, who has immigrated to the US and has limited means so this should also be considered as preying on the elderly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Paypal Holdings, Inc
State: IL
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 Team, I am writing to appeal the suspension of my newly created PayPal account, registered under the email address XXXX. I was surprised to receive a notification shortly after registering for my account that it had been suspended. As a first-time user of your service, I have not engaged in any activities that violate your policies. 

I kindly request that my account be reinstated, as I have not had the opportunity to conduct any transactions or use any of the features of your service. I am unsure of the reason for the suspension and would greatly appreciate an explanation. 

I would appreciate it if you could review my account and provide me with a prompt response regarding its status. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: MIDFIRST BANK
State: WV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I inherited this home from my brother when he XXXX and elk over a year ago. Midland mortgage still refused to speak with me or allow me to insure the home. The homeowners insurance was canceled when my brother died. I placed XXXX XXXX insurance on the home and continue to get letters saying there is no insurance on the home and Im going to be billed for hazard insurance. When I call the number listed on the letters they refuse to speak to me stating Im not authorized to speak on behalf of the loan. Despite the fact hat all information was turned in immediately after my brother died over a year ago.

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 2023-05-15
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: Their investigation did not fix an error on your report

Complaint:
The credit bureaus are not following the laws. I showed them multiple times of how they were violating the Fair Credit Reporting Act. 

According t

o 15 USC 1681i ( 5 ), the credit bureaus must modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ), the credit bureaus dont have any written permission According to 15 USC 1681, I have the right to privacy. 

According to 15 USC 1681s-2, 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 the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this 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 non-monetary relief
Consumer complaint received 2021-03-22
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I started receiving calls from a local number claiming to be XXXX XXXX and they never left voice mails and would call twice a day. And XXXX always calls me from an XXXX and always leaves a voicemail. And i finally answered and knew right away they were fraud and were trying to get me to pay {$140.00}. I called XXXX right after and let them know and they said my account was in good standing. And I kept getting calls until i told them they had the wrong number then I got a collection bill for the same amount from Convergent Outsourcing Inc. and I looked up the company and its a scam. The whole thing is all a scam. I didn't pay them anything because I know my account it in good standing.

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 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently pulled my report and noticed inaccurate and erroneous information. I reached out to each company XXXX times and over 90 days later I have not received a response and the incorrect information is still on my report. I have read my right per FCRA 15 usc 1681 ( i ) states all posted information must be accurate.

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