BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-10
Company: Midwest Loan Services, Inc.
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
eOn    XXXX   XXXX  , I called  Midwest Loan Services , Inc . to get a payoff amount for my mortgage. They sent me a letter with instructions. On   XXXX   XXXX  ,  XXXX   XXXX ,  XXXX  wired the payoff amount to Midwest. Since then I have called  Midwest  several times trying to get back the mortgage payment of {$890.00} that was "  Transaction   Date   X/X/17    '' and  Due Date   X/X/2017   . On   XXXX   XXXX  , I went to  XXXX   XXXX   XXXX   XXXX  where I had gotten my mortgage to see if they could help me. They lady was on the phone for a lengthy period of time before she gave up and handed the phone to me and said good luck. Once again they quoted me numbers that did not make sense to me and that do not appear on any of the documentation. That is why I am here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: NC
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:
It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 explanation
Consumer complaint received 2017-05-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was denied credit from  XXXX    XXXX   XXXX   XXXX  and Required to pay a {$290.00} deposit to open my service. When I asked  XXXX   XXXX   XXXX  to furnish me with the document they used to determine my creditworthiness, they refused and told me it is not based on my FICO (  XXXX   )  or my credit report ( also perfect ). All they told me was experian told  XXXX   XXXX   XXXX   XXXX   XXXX  to deny me credit. Yet, my Experian report is flawless with nothing negative. Experian does not provide any customer service whatsoever. I have been denied credit and stonewalled when I attempt to exercise my right to understand why I am denied credit. This sounds like a perfect case for the CFPB!

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 2023-05-27
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX and Experian Dear XXXX, I am writing to request that you remove the following information from my credit report due to lack of proof of debt : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have requested proof of debt from the creditor and have not received it within the required five days. According to the Fair Credit Reporting Act ( FCRA ), if a creditor does not provide sufficient proof of debt within five days of your request, they are not allowed to continue pursuing you for the debt. That includes listing the debt on your credit report. Therefore, I am requesting that this information be removed from my credit report immediately. 
If this information is not removed from my credit report within 30 days of receipt of this letter, I will be forced to take legal action against you for violating my rights under the FCRA. 
Thank you for your prompt attention to this matter. 

Sincerely, 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 2022-04-26
Company: WELLS FARGO & COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made 2 payments to my Wells Fargo credit card bill from 2 different banks for XX/XX/22, the payment for XXXX was received and credited to the account but the XXXX was not. I placed multiple calls to get this corrected. I finally spoke with a banker named XXXX ( female ) who took all my information to include the bank 's routing number, account number and the transaction number. She told me i did not need a case number and that this information would be noted on my account. I called Well Fargo today XX/XX/22, spoke with XXXX and he tells me none of the information I gave to XXXX 14 days ago was noted on my account. I was unable to provide him all the original information as I was a work. I told him I would have to call back to the main number and repeat my story for the XXXX time to a different banker. I called Wells Fargo back 1 hour later refusing to speak with a regular banker instead i demanded to speak with a supervisor called an escalation banker. I again repeat the information i gave to XXXX of XXXX, putting my trust that they wont use the information to steal money out of my bank account.

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 monetary relief
Consumer complaint received 2023-05-01
Company: Bridgecrest Acceptance Corporation
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/23 I reached out to XXXX customer support via sms at XXXX and exchanged messages with a rep named XXXX. I advised XXXX that I needed to move my payment due date to XXXX of the month starting XX/XX/XXXX. XXXX advised it was an " application process '' to do so but ensured me it was submitted and I heard nothing. Portal online still shows XX/XX/XXXX for a due date and the payment will not be made until the XXXX. 

I've never asked to move it prior nor have I missed any payments. Poor customer service on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Block, Inc.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My name is XXXX XXXX. I made a purchase on XXXX with a company called XXXX using my cash app debit card. Unfortunately I had to cancel my order and request a refund. My cash app account statement shows the refund was completed and the merchant also says the refund has been completed but yet CASH APP customer service continues to claim the refund hasnt been processed. Every time I provided them with proof they are lying they stop responding and disconnect me from the chat. They first tried to tell me the refund was cancelled by the merchant and I needed to contact them. After I refused out to and talked to the merchant they confirmed they did NOT cancel nor it wasnt even possible to do so. The merchant also confirmed that his account showed the refund as being completed. Everytime I try to get an answer and provide evidence that Im being lied to they stop responding and disconnect from the chat.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: Experian Information Solutions Inc.
State: NJ
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 reached out to Experian and  XXXX   XXXX  to get the information on my credit report updated and accurate. I asked for them to please send me verification of the debts I am contesting according to the Fair Credit Reporting Act, Sectio n 609 ( a ) ( 1 ) ( A ), yo ur company is required by federal law to verify - through the physical verification of the original signed certified consumer contract. I received letters back that they had verified them but I did not get any documents with signatures or proof in regards to these debts.

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 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XX/XX/XXXX, I contacted TransUnion about the following incorrect information on my credit report. To this date they have not responded. 

1. The following account was never late XXXX XXXX  ( Opened XXXX XXXX, XXXX, XXXX {$170.00} ). Please correct/update this inaccurate information on my credit report. 

2. The following account was never late XXXX XXXX ( XXXX XXXX. XXXX, XXXX, XXXX {$260.00} ). Please correct/update this inaccurate information on my credit report. 

3. The following account was never late XXXX XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$200.00} ). Please correct/update this inaccurate information on my credit report. 

4. The following account was never late XXXX XXXX XXXX  XXXX XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$500.00} ). Please correct/update this inaccurate information on my credit report. 

5. The following account is not mine XXXXXXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$1300.00}, Original Creditor Name XXXX XXXX  XXXX XXXX XXXX XXXX ). Please remove it from my credit report. 

6. The following account is not mine XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$390.00}, Original Creditor Name XXXX XXXX XXXX XXXX XXXX ). Please remove it 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 non-monetary relief
Consumer complaint received 2023-04-06
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:
My car was broken into last year and my identity was stolen, and there are fraudulent account ( s ) and inquiries reporting on my credit report. I have reached out to the companies directly and the credit bureaus to solve this issue but have received no help in doing so. I attached the police report information and a FTC report to hopefully expedite this matter. This fraudulent information being on my reports is causing harm to my reputation with credit unions and banks and it is unfair that ir has not been removed despite my efforts. 

XXXX XXXX  - Fraudulent inquiry on XX/XX/2022 XXXX XXXX XXXX - Fraudulent inquiry on XX/XX/2022 XXXX XXXX - Fraudulent inquiry on XX/XX/2022 XXXX XXXX XXXX XXXX - Fraudulent inquiry on XX/XX/2022 XXXX XXXX  - Fraudulent account showing on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 2023-08-24
Company: Kriya Capital, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recently, I ordered the most recent copy of my credit report and recognized an account that I have no knowledge of being reported by the credit bureaus and XXXX XXXX XXXX. My credit report reflects that this account was opened on XX/XX/2023, with a balance of {$980.00}. 

As aforementioned, I did not open this account. At the date the account was allegedly opened, I was incarcerated in the XXXX XXXX XXXX XXXX. Attached to this formal complaint is documentation proving that I was incarcerated and was not released until XX/XX/2023. 

Furthermore, I have attached a copy of my FTC Identity Theft Report and Affidavit. Please remove this account from all my credit reports. Under the Fair Credit Reporting Act, it is my right to report fraudulent accounts and your corporations must initiate a reasonable and thorough investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
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:
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.

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 non-monetary relief
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX BANK NA XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX 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 an 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 2023-09-18
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I've asked PayPal to delete my account through the customer portal. And the account was frozen despite having very little to no funds. The only way to unfreeze the account was to speak to a PayPal customer representative. The customer representative stated that an identification such as Driver License or a Passport is required to delete the account. I tried to reason with the representative stating that I had an authorized phone number and email address and that the account did not have much funds if any at all. But the representative still insisted on a valid identification and making it as difficult as possible to delete the account. 

The account has never been used maliciously in the past, so arbitrarily freezing the account and requiring an identification such as a Driver License and Passport to continue using it violates the end users privacy. An identification should not be required to close an account holding less than {$10.00} and has no pending transactions. 

This is clearly an attempt by PayPal to bring in and retain end users on the platform. Something similar occurred with XXXX XXXX creating fake credit card without the end users consent. And XXXX XXXX made it very difficult for the end user to remove those credit cards off their accounts. However, they were eventually prosecuted and fined by the government. I hope that you handle this matter accordingly based off past precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27
Company: ID Analytics, Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
As of XX/XX/2023, I have sent letters asking the reporting agencies to remove incorrect addresses as well as my name that is reporting incorrectly. In the letter, I asked that this information be corrected and that I received a letter stating it has been corrected. When I went to pull my credit reports, this information has not been corrected nor have I received a letter stating they have done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions 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 have noticed many incorrect and unauthorized items appeared in my 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 non-monetary relief
Consumer complaint received 2023-08-24
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:
My reputation is being damaged which is affecting my credit worthiness making it difficult for me to operate in commerce. Federal Law states that you must have a permissible purpose for which I have never provided " written instructions '' for you or any other furnisher to furnish anything on my consumer report. This is a violation of the FCRA and I'm demanding you to remove these accounts from my credit file. You have an obligation to ensure that I have a fair and equitable consumer report, please fulfill 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 2023-08-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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

Company response to consumer: Closed with non-monetary relief