BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated the accuracy and verification of the information. I reached out to the bank and they told me they would remove the late dates from the account. I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that this account be thoroughly investigated and updated for proper and legal accuracy. Please fix the account : 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 2022-11-15
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I had a wells fargo home improvement credit card. The card gave no interest payments till XXXX of XXXX, my understanding was as far as i paid the balance by XX/XX/XXXX the interest payment would be waived. I make all my payments wells fargo mortgage and credit cards, also this home improvement payment on their website. The website page NEVER indicated that {$4000.00} would be charged to me on XX/XX/XXXX. This was in the FINEPRINT but not on the website page where i make my payments each month. To my surprise my balance had gone up by {$4000.00} on XX/XX/XXXX. I called wells fargo customer service and stated to them why they did not warn me about the increase on the WEBSITE WHERE I MAKE MY PAYMENTS. This needs to be fixed. Consumers need a warning on their wells fargo website before they add a huge bulk on interest payments. 
I have called wells fargo after i saw the increase and they did not help me. I never got a call back from anyone, but my balance is still the same. I called again today XX/XX/XXXX and they said the interest can not be taken off since it was on the statements. 

Please make sure that wells fargo adds a warning on their web page a warning before they dump in interest payments specially on an advertised promotion. Please remove my {$4000.00} interest payment and i will send the full amount i owe them as of XXXX XXXX you can reach me at XXXX. 

Thank you.

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 2017-12-17
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Balance {$200.00} Balance Updated XX/XX/2017 Balance {$730.00} Balance Updated XXXX  Balance {$200.00} Balance Updated XX/XX/2017 XXXX XXXX/ XXXX XXXX XXXX This company has reported this account 3 different ways on my credit report and it was reported not correct. According to The Fair Lending Credit Act it has to be reported accurately. And it was not until I reviewed my credit report that I noticed the mistake and I had XXXX XXXX look into it, However they deleted 2 accounts and undated one to the {$730.00} and that balance was never reported until they were contacted about ALL the mistakes with the account and how it was reported, They the company has VIOLATE my rights and the Fair Lending Credit Act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: Experian Information Solutions Inc.
State: IL
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:
Company is reporting my account as a charge off and the account is open and was paid in full.

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 2023-11-02
Company: EQUIFAX, INC.
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:
It appears that my file has been compromised. I was going through my records & noticed account that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block account that is found to be opened due to identity theft. The dispute account do not belong to me. Please remove this account. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
As I look out my credit report, I had found out that there are some account that need to be corrected on my credit file. The fact is, this account seems to be inaccurate as well as the accuracy. So in this way, I am complaining for you to investigate this issue. According to Fair Credit Reporting Act Section 605b, it was the responsibility of the XXXX credit bureaus to correct the accounts on someone's credit file. Kindly correct this account immediately : XXXX XXXX Balance : {$660.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09
Company: Ocwen Financial Corporation
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:
WE ARE VICTIMS OF ID THEFT AND FRAUD. WIFE FILED FOR XXXX IN ORDER FO THE XXXX COURT TO INVESTIGATE THE FRAUD. XXXX REFUSED TO INVESTIGATE THE FRAUD, THE CLOSING ATTORNEY WHO STAGED A FRAUD CLOSING IS IN FEDERAL PRISON DUE TO DEFRAUDING CLIENTS AND MORE. 

IT STARTED WITH XXXX XXXX XXXX XXXX  WHO CHANGED THEIR NAME TO OCWEN AND NOW PHH. NEVER RECEIVED A LOAN FROM XXXX XXXX XXXX XXXX WE RECEIVED DOCUMENTS FROM THE ATTORNEY AS IF WE DID. WE BEGAN PAYING XXXX XXXX XXXX XXXX IN XX/XX/XXXX. 

WE WERE NOTIFIED OF THE ID THEFT AND ID FRAUD FROM A FEDERAL AGENCY., THE TRUSTEE ASSIGNED TO MY WIFE ABANDONED ALL OF THE RESIDENTIAL AND COMMERCIAL PROPERTY BECAUSE HE AND THE JUDGE BOTH WERE AWARE OF THE FRAUD ON EACH PROPERTY TAKEN OUR BY OTHERS. 

THE TRUSTEE BASICALLY STOLED EVERYTHING. RATIONALE WAS HE WAS LIQUIDATING TO COVER OUTSTANDING DEBTS. WE DID NOT WVEN HAVE OUTSTANDING DEBTS AS HE DOCUMENTED.

PHH IS STATING ON THE CREDIT BUREAU WE ARE PAST DUE 180 DAYS, THIS IS NOT TRUE.

REQUESTTING ALL PAYMENT HISTORY AND DOCUMENTS FROM PHH FOR REFERNCED ADDRESS XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX GA XXXX THE CLOSING ATTORNEY AND SELLERS WHO HAVE BEEN REPORTED TO THE FEDERAL AUTHORITIES TOOK OUT 3 TO 4 LOANS ON THE SAME DAY FROM XXXX XXXX XXXX XXXX  IN XX/XX/XXXX, ATTACHING THE NUMEROUS 1098 '' S. THE AMOUNT OF THE HOME IS EVEN INCORRECT. THE COST IF THE HOME WAS XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Blackhawk Network Holdings Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
A fraudulent charge of {$160.00} appeared, virtually wiping out all funds on the prepaid debit card. 

The charge was by XXXX XXXX XXXX I have contacted XXXX XXXX, the card issuer, at least a dozen times and receive no refund to date. A direct complaint to XXXX XXXX, CEO of BlackHawk, has not produced any results.

As of 5 minutes ago, my money is still missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Paypal Holdings, Inc
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
The company did not provide an explanation for the limitation of my account, limiting itself to referring to the user agreement. She could not answer what actions I had taken could have caused such a decision. Therefore, I believe that this company did not respond to my claim. 
PayPal executive office rely to " high level of risk associated with your Account ''. However : XXXX. My account got only 19 completed orders on this account. 
XXXX. I got 0 complaints for all the time that I use this account. All my customers were happy. 
XXXX. On my previous account I had a XXXX of completed orders. I passed all checks from PayPal and my business wasn't " high risked ''. I didn't change my business since that. 
XXXX. I consulted with PayPal support about my account and actions and there was no problem with my account or anything. 

I'm not sure that PayPal even tried to check the problem closely because they didn't asked me for any documents or proves of fulfilment of my orders. 
I am happy to contribute to PayPal, but they do not give me a single opportunity to exonerate myself. Also they don't give any reasonable explanation for blocking my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: One Technologies, LP
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I clicked on an email I received for get credit score from 3 reporting agencies for XXXX XXXX All I've gotten was charged XXXX monthly for services I didn't want and haven't received. I still have not seen my credit score. I have disputed this with XXXX and every time I put money in my account they grab it up. I have had to get XXXX to get my money back I have contacted the company and asked they cancel whatever they enrolled me in w/o my consent. And still ive been charged again for services i dont want. The company is XXXXand they don't take it monthly but soon as I put money on my card it's like they know it's there. They took XXXX out of my account on XXXX XXXX, XXXX, they arent even on a monthly schedule.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-09
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
all 3 credit bureaus are reporting a charged off XXXX account ... ..i have challenged the 100 % accurate reporting of this account as required by law with all 3 credit bureaus as well as XXXX  and each time they say that they verified the information being reported is 100 % accurate... i have challenged this about 10 times ... im looking at the inaccurate information on my credit report and i am going to point it out below and will attach a copy for your review... ..these companies are violating my consumer rights.. 

date of last payment transunion- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX date of last payment trasunion- XX/XX/XXXX XXXX- XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX -- -- -on the 2 year history they are also reporting XX/XX/XXXX high credit transunion- {$2000.00} XXXX {$0.00} XXXX {$0.00} comments transunion- Charged off as bad debt Dispute resolved ; customer disagrees XXXX- Purchased by a another lender. Unpaid balance reported as a loss by credit grantor. XXXX XXXX XXXX ITEM DISPUTED BY CONSUMER XXXX- Consumer disputes after resolution Account transferred or sold

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 2022-11-15
Company: Klarna AB
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I purchased two items using Klarna, I was unhappy with both items as they were not as described, however unused. I was told by Klarna and the seller I would be responsible for shipping costs. Upon shipment, I took videos of me shipping the item after hearing multiple stories of poor Klarna experiences. I wanted to ensure I received my refund. I shipped these items in early XXXX, waiting for the seller to receive them. They unfortunately got lost in the mail and the items have not updated through tracking for over a month and a half. Tracking number : XXXX. I explained this to both the seller and Klarna and after two months still have not fully refunded me. I explained to Klarna that the seller blocked my email and stopped responding to my messages, despite this they said there was nothing they could do and eventually if the seller did not send a refund I would have to continue paying. Klarna was aware that I returned the items using my personal funds and followed all instructions they gave and still refused to refund me. In addition, Klarna has poor customer service. All communication regarding these matters have been initiated by me. Klarna has done nothing to contact the seller despite the general understanding that the seller is a scammer and has blocked all communication with me, the customer. Deeply disappointed, however I can happily say I will no longer be working with them. Klarna also states they do not do hard credit checks, yet Klarna only negatively effects your credit. They lie, and do do credit checks and especially prey on youth with little to no knowledge regarding credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: NV
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 reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hi, I was never contacted by wells fargo over the settlement in which they abused customers and ordered XXXX settlement. My account was wrongfully charged a monthly fee even though I held the minimum balance of {$500.00} throughout that time. Also, I was charged many overdraft fees that I felt were unwarrented and very shady. Example I deposited cash at XXXX to make sure my account was in good standing before the end of day billing but my Car insurance payment went through just before midnight and then my renters insurance the following day. Funny, these payments are sent from the same company and feel it was very suspect for this to happen just before midnight in order to charge me a overdraft fee. I had contacted them multiple times regarding overdraft fees and received many excuses. Can someone please help me in figuring out why I was excluded from any compensation for there one of many wrongdoings.. 

Also, I had to let my credit card with Wells Fargo close and go to collections over an unfair reversal that was hit on my account after being told my dispute after being ripped off by was settled and closed only to be recharged for this amount many months later was just unbelievable. I was told it was closed and this showed as closed on the website/app I don't understand how you can just come back many months later and charge me again after you " closed '' this case. I never received any information just a hefty charge which obviously as a small business owner during the still covid economy I had no options at my disposal but let it tank my credit score and my cc standing. 

Thank you for your time, 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 monetary relief
Consumer complaint received 2023-01-17
Company: Experian Information Solutions Inc.
State: MD
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: Investigation took more than 30 days

Complaint:
It appears Experian has employed a stall tactic to fixing their wrong doings. My previous CFPB complaint number # XXXX has detailed how Experian has taken longer than 30 days to resolve my dispute and the items needs to be removed as the law states. Experian responded that they couldn't find my consumer file. My latest Experian report number is XXXX. Seeing as it has now been well over 30 days to complete my dispute. Immediately remove these inaccurate and misleading Tradelines from my consumer credit file. 
Please see attached document for additional details

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 2022-11-15
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Someone hacked a friend 's XXXX and XXXX and asked me to send some money, first I sent XXXX and XXXX on XX/XX/XXXX and later XXXX on XX/XX/XXXX. As soon as I realized it was a scam, I call my debit card company, they told me to call Zelle  because that was the way the money was sent but they said there was nothing they could do, even though I told them the scamers were still in touch eaking for another transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I was sent a credit card in XXXX that I was told I applied for in XX/XX/XXXXfrom BBVA Compass. I am sent new debit cards very regularly so I assumed it was a debit card. I only realized it was a credit card when I received the statement in XXXX asking for a minimum payment. I called immediately to find out what happened. I canceled the card as soon as they explained the situation to me. I spent 4 hrs being transferred from one dept to the next over the next two days only to have nothing resolved. I explained that I want to pay the ballance but can not do so in the time frame they set up. I do not want to pay fees or interest. I am XXXX XXXX XXXX and have never had or wanted a credit card. My credit is very good and I 'm responsible with my money. I asked for some resolution in this matter but just kept being transferred to another dept over and over again. I 'm afraid this account will go into default resulting in a negative impact on my credit score. Please help any way you can. I feel the card was sent to me without me applying for it. It seems to me there is some deceptive practices being done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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