BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-01
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX  XXXX, TX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on 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 non-monetary relief
Consumer complaint received 2020-09-18
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I've had a mortgage with Freedom Mortgage for several years. In XX/XX/2020 I contacted them about a IRRRL. 

It is XX/XX/2020 and my loan still has not closed. I can not get a straight answer and am told they are " waiting '' for one step or another.

This is ridiculous and is costing me extra money every month. I believe it is deliberate to get extra income from interest.

No one responds to emails, phone calls are met with rude employees who are not helpful. I regret ever having my mortgage with these people.

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 2023-08-06
Company: Experian Information Solutions 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:
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 b 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. 

, Account name : XXXX Account # XXXX, Account name : XXXX XXXX  Account # XXXX has violated my rights. 
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

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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 name is XXXX 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-28
Company: Resurgent Capital Services L.P.
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:
Duties upon notice of dispute from a consumer reporting agency Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) This section requires that whenever a person, such as a financial institution, receives a notice of dispute from a consumer reporting agency regarding the accuracy or completeness of any information the person provided to a consumer reporting agency pursuant to Section 611 ( Procedure in Case of Disputed Accuracy ), that person must, pursuant to Section 623 ( b ) : 1. conduct an investigation regarding the disputed information ; 2. review all relevant information the consumer reporting agency provided along with the notice ; 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information. b. delete the item of information. c. permanently block the reporting of that item of information. 

LVNV FUNDING LLC # XXXX is reporting inaccurate information to my XXXX credit report. I have contacted both to launch an investigation on numerous occasions, most recently on XX/XX/2023, but I have not received any information on the investigation. This is a violation according to the law listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
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:
On the date of XX/XX/XXXX I submitted a dispute with Experian to remove XXXX account # XXXX from my credit report. They have not provided me a Certification of accuracy of information so they have deleted the whole account on XX/XX/XXXX. In the month of XX/XX/XXXX, I have reviewed my report. I have notice that this XXXX account has been Re-inserted on my Experian credit file. I have not recieved a written notification from the creditor. I have submitted another letter to them again with deleted proof to inform Experian that this deleted account has been re-inserted without written notification and they have remove this account once more. Around XX/XX/XXXX, I have reviewed my credit report and notice that this XXXX Account # XXXX has been re-inserted back on my Experian credit report again without written notification. I would lie this Account to be removed for good.

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 2018-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GU
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:
Have been disputing collection/chargeoff from XXXX XXXX XXXX who are stating the dispute is resolved and customer disagrees with the findings.

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 2023-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023 we found a compact tractor for sale on the internet at XXXX XXXX XXXX. We messaged the business for information about the tractor. Sales Mgr. XXXX XXXX responded. 
On XX/XX/XXXX we ended up making a deal for {$9000.00}, {$8200.00} for the tractor and {$800.00} for shipping. 

On XX/XX/XXXX, we went to our bank and wired the money. He emailed us a bill of sale and payment invoice later that day. 
On XX/XX/XXXX he said we would have our tractor on Thursday XX/XX/XXXX between XXXX. 

On XX/XX/XXXX at XXXX we emailed asking if everything was still good for this evening. We received an email stating delivery has been delayed due to trailer mechanical problems and the new delivery date was Monday XX/XX/XXXX. At this point XXXX told him he was starting to think he's been scammed. They told us they would refund the shipping fees in cash at delivery. XXXX asked him why the tractor we bought was still for sale on the internet. 

On XX/XX/XXXX XXXX We got another email saying the trailer is still being serviced and the new delivery date will be XX/XX/XXXX between XXXX. 
XXXX We got an email stating the refund request has been sent to the payment department. 
XXXX XXXX XXXX emailed It's coming but it looks like we understood wrong, that you wanted a refund ETA still XX/XX/XXXX between XXXX. 
XXXX XXXX didn't check his email and asked when the tractor will be here. 
XXXX Then XXXX checked his email and then told them IF it's not here early on XX/XX/XXXX he wanted a full refund. 
XXXX XXXX emailed so it's not coming on the XXXX? 

On XX/XX/XXXX XXXX messaged them please have someone contact me about this sale or refund. 
We got back an email asking for the stock number of the machine we were interested in from Sales Mgr. XXXX XXXX. 
We sent an email telling them we were deeply concerned about this transaction and to reverse the payment we made back to our account. They emailed us saying the refund was approved. When can we expect it? By the end of the week. Then we called our bank asking what we could do. I want to know why Bank of America, Branch address : XXXX XXXX XXXX XXXX, XXXX, NM XXXX Has never returned a call to my bank when my bank asked for my money back. And don't look like my bank is investigating it. So people get scammed and no one is trying to help. Someone at bank of America surely should know how to find out who had the receiving end of this transaction. I would like an explanation by someone on how a transaction like this is ignored. I'm out XXXX. I'm on XXXX yrs old. XXXX is a lot of money for me. It took several years to save that money on what I get. I wish someone would do something. Thank you for your 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 explanation
Consumer complaint received 2023-08-06
Company: Experian Information Solutions 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:
I got a copy of my credit report some time ago and realized the credit bureuas are reporting 2 accounts as late that was never late. These late payments are causing me severe financial and mental stress as I have not been able to get approved for a mortgage now. Delete the late payments from my consumer report, this agency is in violation of 15 USC 1681 : XXXX XXXX XXXX Account Number : XXXX I WAS NEVER LATE ON THIS ACCOUNT XXXX Account Number : XXXX I was never late on these accounts. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this you must delete these alleged late payments from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposeDelete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting 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, XXXX XXXX, am acting on my own as a natural person and consumer. 
There is information on my consumer report that is a result of identity theft. Per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from the alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. Please delete these items listed below IMMEDIATELY! 

ACCOUNTS/ INQUIRIES/ COLLECTIONS/ ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These identified accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what l am asking of you and delete these accounts listed above. I look forward to your response. Thank you, 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 non-monetary relief
Consumer complaint received 2022-05-04
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had wrong entered wrong country of residency while registering account with PayPal account I withdrawal cash to the account but they require me give more information of which I don't have, am XXXX and at XXXX but I mistakenly entered USA as my country I tried to change the info so I can access the money but it was unsolvable,,,,,,,,,,,,, more details Close PayPal Open in the new PayPal app Open Menu Dashboard Notifications Search by name or email Search by name or email 0 suggestions available Filter by Date : XX/XX/XXXX to XX/XX/XXXX Pending XXXX - {$5.00} XX/XX/XXXX Request Received This request is waiting. 
Send paymentCancel Completed XX/XX/XXXX XXXX XXXX XXXX + {$4.00} XX/XX/XXXX Refund XX/XX/XXXX XXXX XXXX XXXX - {$5.00} REFUNDEDAug XXXX Payment XX/XX/XXXX XXXX XXXX XXXX ( Borderless + {$5.00} XX/XX/XXXX Payment Received " Dear Panel member, Congratulations! Thank you for your active participation in our recent surveys. Your cash rewards have been transferred to your PayPal account. We hope you enjoy our gifts. XXXX XXXX XXXX Please write to our support team within 3 months for any queries related to PayPal '' Report Problem You have selected Transaction, proceed to report a problem Continue HELP CONTACT XXXX SECURITY FEES XXXX PayPal, Inc. All rights reserved. 

Privacy Legal Policy Updates

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: VA
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1900.00} XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) {$1000.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) {$600.00} Accordance with the fair credit reporting act the following XXXX accounts has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: JPMORGAN CHASE & CO.
State: MI
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 Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a XXXX XXXX XXXX XXXXXXXX credit card. The credit card was closed for return payments in XXXX ( 2023 ). None of the returned payments left the account at any time past due or delinquent. I always made several payments that exceeded the minimum amount due each month. Last week I paid the minimum payment amount of {$30.00} and learned this week that the account has been charged off and determined uncollectible debt. This is preposterous because I have never had a late or missing payment since the account was opened. The bank has reported the derogatory fraudulently to the credit bureaus and my resulting scores have plummeted. The bank is cognizant that my account did not qualify to be charged off and classified as uncollectible debt.

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 2023-12-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit 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 am writing to dispute a charge of {$85.00} ; I ordered XXXX items of cloth In XXXX XXXX on XX/XX/2023, I received storage bags instead of my items that I ordered on XX/XX/2023 at XXXX. 

On XX/XX/2023 at XXXX, I requested a refund, providing the photos of the shipping label and pictures of each item they sent me instead of the XXXX items I ordered. Later on it was denied. I tried again on XX/XX/2023 at XXXX, it was denied as well. 

On XX/XX/XXXX at XXXX afternoon, I called XXXX XXXX XXXX to report that problem. 
On XX/XX/2023 I received a provisional credit Claim-Ref # XXXX for that amount {$85.00} On XX/XX/2023 I received a letter informing me that they closed the case because they did not received the information from me that they requested. I never received any letter requesting any information. 
On XX/XX/2023 XXXX Bank deducted the provisional credit Ref # XXXX On Wednesday, XX/XX/XXXX at XXXXXXXX XXXX I called XXXXXXXX XXXX to Dispute Dept. to re-open the case and a supervisor said I need to send all the proof by email at XXXX ; I sent the email twice on Friday XX/XX/2023 at XXXX and XXXX XXXX On Friday XX/XX/XXXX at XXXX I called again to XXXX XXXX XXXX XXXXXXXX XXXX. to let them know I sent the email with details and pictures attached the representative told me they need XXXX hours to review my case and they will contact me on Tuesday XXXX XXXX they never contacted me. 
Today Friday XX/XX/XXXX. at XXXXXXXX XXXX I called XXXX XXXX Claim again because I had not received any call or email from them about my claim. XXXX XXXX and XXXX XXXX XXXX are not solving this case properly as both companies should. 
. 
I will return the wrong items, 'the storage bags ' as soon as I receive the label and I want my money back. 

Sincerely,

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