BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name XXXX XXXX XXXX is and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a claim in XXXX for a package that was not received in XXXX. The item was a trampoline that was set to arrive in two parts. Only half of the item arrived thus making the product useless. The merchant agreed to refund me but said the credit card company would need to use an authorization code to reverse the other half of the charge. I reached out to them countless times and each time Ive been told its being escalated. Its been four months and nothing. Barclays has the worst customer service representatives and I urge everyone to reconsider when opening a line of credit with them. Their dispute process is lengthy and unfortunately very frustrating to navigate. As you can see in my documentation, the full {$440.00} was charged to my card. Days later, XXXX refunded me {$220.00} which is half the purchase price. Since the item was shipped as two different boxes and we only received one, we only had one box to return to the store however, we are still missing the other half of the order which is what we are disputing.

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 2022-12-05
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX account # XXXX 15

U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my 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 2018-10-23
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Wells Fargo Mortgage has not sent papers to why they mailed out foreclosed documents to address that was are never been my address. Also Wells Fargo Mortgage will not send documents requested. I have requested documents and its always the same old XXXX  with them providing what requested. It seems they always mail you papers you did not ask for. also Wells Fargo does not reply back always with some computer XXXX letter there working on it. I'm tired of the lies by Wells Fargo Mortgage.

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 2023-10-19
Company: Paypal Holdings, Inc
State: OH
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 hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account, associated with the email address XXXX. I believe that this limitation has been imposed in error, and I would like to formally appeal this decision. 

First and foremost, I want to emphasize that I have always strived to adhere to PayPal 's policies and guidelines diligently. I am confident that I have not engaged in any activities that would warrant such a severe action as a permanent account limitation. I have been a loyal PayPal user for a substantial period, and my intention has always been to use the platform responsibly and within the bounds of your policies. 

I kindly request that PayPal conduct a thorough re-investigation of my case to rectify any misunderstandings or errors that may have led to this account limitation. I believe that upon further review, it will become evident that my account deserves to be restored. 

I understand that PayPal takes matters of security and compliance seriously, and I appreciate your commitment to maintaining a safe and secure platform for all users. However, I firmly believe that there has been a misunderstanding in my case, and I am eager to cooperate fully in order to resolve this matter. 

I kindly ask for your prompt attention to this appeal and the reinstatement of my PayPal account. I am confident that a re-evaluation of my account activity will confirm that I am a responsible and compliant user of your platform. 

Thank you for your consideration, and I look forward to a favorable resolution of this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have written five dispute letters to each reporting credit accompany. It is the same results every time. I received results on XX/XX/XXXX 2022, same results from previous results. I do not believe investigations are being done just receiving data ffrom database system and stating the information is correct. It is identify theft, as XXXX XXXX service member I was XXXX. During XXXX, I had to leave a copy of my ID XXXX drive license, and Social Security, power of attorney to the person who it taking care of my children so my children could go the doctor and stuff. I want a thorough investigation. That is my right.

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 2022-12-28
Company: Experian Information Solutions 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 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 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 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Transunion is reporting 30day late payments on three of my accounts XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. Pursuant to 15 U.S Code 6802 States that a financial institution may not directly or through any affiliate disclose to a nonaffiliated third party any personal information. Transunion is the third party and is in direct violation of this code. This type of reporting is also violating my right to privacy. Privacy Act 1974, Transunion never disclosed to me that I could opt out but assumed I opt in to this negative reporting, THAT IS INFACT IDENTITY THEFT.

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 2023-10-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2023, I was scammed to send {$2000.00} to an individual named XXXX ( XXXX ) via XXXX through my bank Chase 's mobile application. The individual took my phone after I had logged into my Chase app, and sent themselves money through the phone number XXXX, a number which now seems no longer associated with XXXX. 

I called Chase Bank that night, and I was told I would be given credit for the {$2000.00} while they investigated my case and I was forwarded to the fraud department to change my username and password on the app. However, I soon found out that I was not given any credit, so I called the bank back after a week and it was said that they were still looking at my case and since the fraud took place through XXXX, a third-party company, there is a likely possibility that my case wouldn't be approved. 

I have attached a screenshot of the transaction from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 negative accounts 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 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 Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-10-15
Company: ENCORE CAPITAL GROUP INC.
State: TX
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 not giving this company any written consent to furnish any accounts on my credit report. This is a violation of my privacy rights and every account on my report is closed. My credit report is frozen with all credit reporting agencies. This company has committed a fraudulent act. 
I have no business or dealing with this company. 

Remove this account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: EQUIFAX, INC.
State: IN
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:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : Address. Please update my name to : Name. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
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:
XXXX XXXX XXXXXXXX, XXXX Account # XXXX {$1900.00} Account # XXXX - {$710.00} Account # XXXX - {$710.00} not only did my medical insurance cover the above amounts the two accounts that show I allegedly owe {$710.00} is reporting on my XXXX  credit report incorrect its showing i owe {$730.00} on XX/XX/2022 the above accounts were removed and then readded on my credit report as new collections My privacy was also violated during a time where these medical bills were inaccurately allegedy validated by this third party collection. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 15 U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTUCTIONS.

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 2023-10-15
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm contesting the inaccuracies and deficiencies in the mentioned accounts in accordance with FCRA guidelines for their removal. If these guidelines are not adhered to, I will pursue legal action to rectify my situation, as per USC 1681E ( B ) and under 15 U.S. 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: EQUIFAX, 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 value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

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 explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: TN
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 has violated my federally protected consumer rights to privacy and confidentially inder 15 USC1681 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to: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 state a consumer reporting agency can not furnish an account with 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 if information, other thatn records of convictions of crimes which antedates the report by more that seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a concusmer 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 2022-04-20
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Cardinal approved a refinancing on my house in early XX/XX/2022 and the night before I was to sign the actual loan documents, I reviewed them and found they had sneaked in two poison pill clauses not previously seen in their disclosures. One clause allowed them to take over my trust as soon as I died. This clause has been used by banks to steal billions from the estates of deceased persons including one very well publicized case involving XXXX XXXX charging an estate for huge legal bills without the knowledge of beneficiaries and putting a much larger mortgage on the house benefiting XXXX XXXX. The other clause was " Without Recourse '' which means I could not sue Cardinal if they screwed up, defrauded me or I found the contract violated the law. Cardinal also failed to put in the contract what was promised to me in emails-that I could recast the loan at any time with no charge. Without this promise being in the contract, it was not enforceable and a fraudulent empty promise. I told Cardinal I would not sign the contract until all the above items were corrected but they refused claiming their slimy business practices were the industry standard. I then refused to sign this immoral and probably illegal contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Conn's, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hello I have asked this company to stop calling me at my job. Also they call me at least XXXX or more times a day over the past few months. When I answer the phone I explain to them that they are jXX/XX/XXXX by calling me and texting me so many times a day. I haveXX/XX/XXXX So my finances are not the best. I explained to them about myXX/XX/XXXX as well They call me from several different numbers and all of the numbers are on my phone records showing numerous calls from each number. I feel that I am being harassed by this company and they are XX/XX/XXXXto me over the phone. they also text me multiple times a day as well. I explained to them that i am working with a debt relief company and gave them the number to all instead of calling me and they are still harassing me about this account, I am very stressed out behind this company ad their excessive calls to me. They are calling me at least XXXX to XXXX time in the morning and afternoon and evening as well. Here are some of the calls i got from them recently .Also I have more calls on my phone records dating back a couple of monthsXX/XX/XXXX 

XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: Conn's, 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:
I paid 10 % of total debt in settlement offer through assigned 3rd party. I was provided a XXXX Balance letter yet the original creditor ( Conn 's ) did not update the account to reflect Settled on my credit. The account reflects closed with balance still in tact. They did however update the payment, but refused to update the account status. I made this payment ( Call is recorded ) advised that it would settle the account and remaining balance, not " update '' that payment was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This company XXXX Navy Federal Credit Union ) has charged off credit card for nearly 4 years, have not sent me a 1099C, I deposited money into the checking account, and they debited my money from my account without warning, I need the ( Navy Federal Credit Union ) to CEASE AND DESIST from taking money from my checking account, and reporting income as debt on my credit report, I'm revoking any power of attorney that you think you to report my Nonpublic Financial Information to third party corporations ie credit report agencies, as they are not government agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: First Help Financial, LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have filed a dispute in regards to the inquiries on my credit report that i do not recognize nor did i authorized. It has been well over 30 days and i haven't received any investigation results.

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