BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-09
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
After I made a complaint. XXXX and XXXX XXXX had a party where they don't live in the house anymore. They had XXXX cars. XXXX was pretending to have a kids birthday party at night on a school night. They were turning on their car alarms through out the night. But their friends didn't like it cause I done it back to them. They had their friends park in front my house defacing my property with tire marks. I have it all recorded on my door bell camera. This was done in retaliation of my complaint. Somebody at Wells Fargo said the reason my account was closed was because I harassed XXXX XXXX. 

Well I have proof now they are harassing me. The time was recording when they started hitting their car alarm. I wasn't doing nothing for them to act like grammar school kids. 

If they had looked at the Bank security footage or spoke with the banker I was working with. They would see I wasn't harassing XXXX XXXX. The police didn't arrest me either. The harassment charges has been dropped because I got a lawyer. XXXX XXXX tried to set me up to get me arrested. 

I have no interest or car to go around XXXX XXXX. But she intentionally comes around me to falsely accused me of harassing her because she got away with it once. I never harassed XXXX XXXX. I don't care what Wells Fargo managers if they think I have. 

XXXX XXXX was giving car loans to her friends but wanted to financially ruined me and trying to make me homeless. 

XXXX XXXX had no right to have people over to harass me and my son. Then XXXX of their friends road raged out of the neighborhood. I have all the footage of the harassment recorded. With them harassing me and my son and disturbing the peace with them Turing on their car alarms. This is the type of employees they have working for them. And why customer service is so bad. 

As soon when it got dark. They started showing up. I had a right to file a complaint against XXXX XXXX for her trying to financially ruined me and have me falsely arrested even after the charges were dropped. 

Then causing me trouble at the bank. Where I can't have a checking account anymore. I want to inform Wells Fargo. There is no restraining order against me. XXXX and XXXX XXXX are not the victims. 

I and my son are the victims.

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 2023-09-02
Company: EQUIFAX, INC.
State: NJ
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:
I have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and according with Metro 2 regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and Metro 2 standards.For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you consider the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, I amm requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: Block, Inc.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I sent on Cashapp XXXX to the wrong person. I realized it in mins I then requested the funds back. Shortly after I didn't get a reply I asked cashapp to help me get my funds back. They replies hours later. When they did get back to me all I could get them to tell me was they are sorry that I should double check from now on who I'm sending my mo ey too. This was days ago I just got to speak to someone over the pho e they all tell me the same thing. I contacted them befor the money was accepted and there for gone by the person that stole it but they took hours to get back to me so I couldn't do anything they say it was final I asked repeatedly could cashapp let the other person know that it would be in there best Intrest to refund my account. I was told no they couldn't do anything. Now I'm setting here 3 days from XXXX with no dinner for my family. It's a sham they can't even request my own money back on my behalf I'm told sorry they can do nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Please review and investigate Transunion for violating my civil rights, the truth in lending act, and me not being treated fair and equitable. I have been trying to receive at XXXX and www.transunion.com my reports on online. I have been intentionally denied without sufficient explanation or remedy. My last interaction was with XXXX, a mediation specialist. and XXXX consumer operations on XX/XX/2023 and they both said that i am restricted and blocked for both credit access websites mentioned above. 

I was told after insisting that there was suspicious activity and i am not allowed proper access to my credit accounts on these sites. They said that this matter is not disputable. I was told a supervisor would contact me at 72 hours. And it's been 30 days+. They have not verified or validate nor provide given sufficient reasoning and I don't feel it is acceptable to over-site agencies and definitely myself. I have been prevented from disputing any inaccurate information in a way that is convenient, timely. Not to mention Transunion blocking me violates my right to get online access every 7 days since COVID. I did ask that they validate or provide proof of alleged original application/suspicious activity bearing my signature and they have not been able to provide such proof. This is a violation of the Fair Credit Reporting Act and the disputed block should not therefore appear on my credit report if it cant be supported by evidence or proof. As a consequence, I have been denied for credit without recourse. 

I have suffered emotional, financial stress. I have also suffer loss of opportunities as result of this. More recently, I was denied for 2 car loans and can not get reconsideration because I don't have any access to these websites. I have suffered higher interest, higher premiums

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 2021-05-09
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
For the past XXXX days ( XX/XX/21 - XX/XX/21 ) my PayPal account had been 'temporarily limited, ' so, I tried to resolve the issue by providing them with personal documents that they requested to prove my identity, such as a driver 's license, a credit card statement, and a debit card statement. But today on XX/XX/21, I received an email from PayPal saying that I could no longer use my account and that its been 'permanently limited, ' because of a 'potential risk associated to it. ' The email even goes on to say that the funds that I have in my account XXXX {$230.00} in my PayPal balance and {$530.00} in Bitcoin ) would be held up for 180 days and can not be withdrawn. However, not once did they ever give me any specific reasons as to why my account was limited or why they decided to completely ban it. So, based on their vague responses and unjust actions, I believe that they do not have any valid reasons for the ban and that they're simply abusing their power and are stealing my funds. So I hope that the CFPB will resolve this issue as soon as possible, thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02
Company: EQUIFAX, INC.
State: CA
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 all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: EQUIFAX, INC.
State: VA
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:
Im filing this complaint due to XXXX XXXX XXXX XXXX, XXXX, Equifax and XXXX failure to refrain from reporting information pertaining to my XXXX XXXX XXXX XXXX account. I demand they immediately delete the late payment verbiage from my consumer reports. I never authorized transactional history nor experiences to be reported. I am in severe financial distress and can not obtain access to capital because of this unauthorized reporting. I have been denied credit on every application I submitted because of these reporting tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 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 non-monetary relief
Consumer complaint received 2023-07-07
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: Personal information incorrect

Complaint:
The information that appears on my credit report is incorrect or inaccurate, giving me multiple types of names, a different address than mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
The company is listed as SYNCB/TJX CO which is TJ MAXX. I am showing a Hard Inquiry from both XX/XX/2019, and XX/XX/2019. I don't recognize nor did I authorize either of these and although both are due to drop from my XXXX  report in the next few months, both were supposed to be removed that year. I am not sure why they are still there. I was told they would be removed at the time.

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 2023-04-04
Company: EQUIFAX, 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:
By the previsions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordant with the written instructions of the consumer to whom it relates too. I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Please delete the items immediately. 
XXXXXXXX XXXX XXXX XXXX Charge-off {$0.00} XXXX XXXX XXXX XXXX Charge-off {$74000.00} XXXX XXXX XXXX XXXX XXXX XXXX Charge-off {$6700.00} XXXX XXXX XXXX  XXXX | XX/XX/XXXX XXXX  Inquiry {$0.00} XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX  XXXX | XX/XX/XXXX XXXX  Inquiry {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  Inquiry {$0.00} XXXX XXXX  | XX/XX/XXXX XXXX  Inquiry {$0.00} XXXX XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX  XXXX XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX  XX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
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:
I am a victim of identity theft. My personal information was compromised and fraudulent accounts were opened without my consent or authorization. 
As a result, I sent this company my dispute letter on XX/XX/XXXX explaining my case. I even attached Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act. 
But to my surprise, this company up to now failed miserably to investigate my claims and is still reporting this fraudulent accounts. For yet another last time, the following accounts are as a result of fraud : XXXX XXXX ACC # XXXX, Opened Date XXXX XXXX, XXXX, Highest Balance {$590.00} XXXX XXXX, ACC # XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1300.00} XXXX, ACC # XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1600.00} XXXX XXXX XXXX, ACC XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$8500.00} XXXX XXXX XXXX XXXX, ACC XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$620.00} This letter is a written proof of my intent to find a resolution for this case failure to which I will file a lawsuit against this company.

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 2023-09-02
Company: EQUIFAX, INC.
State: AZ
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX Bank issued [ 4 ] XXXX with identifiable event codes for the following accounts : XXXX, XXXX, XXXX, XXXX. Each of the accounts were disputed by me. I neither used, nor benefited from the accounts. On information or beleif, my former spouse opened these accounts without me knowing it. I never once used these cards. XXXX thought otherwise and continued to attempt collections even though I was insolvent. XXXX continues to report these accounts on my credit reports even though the debt has been discharged. XXXX is errant in reporting these accounts and does so four times each month.

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 2023-09-02
Company: EQUIFAX, INC.
State: CA
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 filed an identity theft complaint with authorities. I also disputed these XXXX inquires with Equifax. They were all done around the same time and I have no accounts for these inquiries. Equifax on investigation said they would be REMOVED. See attached investigation. But they still have not been removed. 

They also got my name wrong. on my report it states '' XXXX XXXX XXXX XXXX ''. 
I am " XXXX XXXX XXXX XXXX '' XXXX  is my father. and he does not put XXXX in his name. 
See page one as proof of their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
this is my second attempt to get this issue resolved, my first complaint was on XX/XX/2022 the complaint number is XXXX. There are collections and inquires on my consumer report from companies that i did not enter into contract with and did not authorize to share my nonpublic information to Transunion and Transunion assembled a consumer report with said information, which according to 18 USC 1028 is fraud. By law Transunion is to exercise its grave responsibilities with fairness, impartiality, and respect for the consumer right to privacy. They are not doing so and are violating my rights not to have my nonpublic information being disclosed to the public. They also violated my consumer right to have these items blocked and deleted no later than XXXX days after receipt according to 15 USC 1681C-2.

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