BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: BARCLAYS BANK DELAWARE
State: NY
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:
Barclays Bank, without prior notice, closed my XXXX credit card. They say they closed my account because of inactivity ( See attached letter ). The decrease in the amount of credit available to me will cause a decrease in my credit score. Also the loss of the credit line, which I've had for many years, will also cause a decrease in my credit score. 

As a result of this precipitous action, Barclays Bank is negatively affecting my credit rating and ability to get credit in the future.

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 2019-04-06
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
Come XX/XX/XXXX PayPal inc proposes to keep all seller fees for any return of payment. This includes but not limited to : return of sold item for fit, color, damage, wrong item, etc. This also includes payment reversals for buyer cancellations, improper addresses, buyers using wrong credit cards and demanding refunds, buyers not using coupons and demanding refunds so they can repurchase, stolen or hacked accounts, misuse. In other words any time I receive a payment on PayPal from a buyer and there is any kind of refund I will lose the .30 + 2.9-4.4 % PayPal fee. This is an absurd overreach that borders on theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair 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 explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 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 is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2023-07-06
Company: EQUIFAX, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly unjustifiable that I have consistently made on-time payments for this account and have never been late. I kindly request that you update my account to reflect this accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing this dispute for all of the inaccuracies on my credit report with Transunion.

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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I tried to get my free annual credit report from Transunion, through the .gov site. 

In order to get the report, they required a phone number to send a text code to log in. 

The text code never came, and when I tried to restart the process, the screen says that I've already received my one free report. 

There is no Chat feature on Transunion 's website to connect with personnel to resolve this problem. 

( By comparison, I had no problems getting my XXXX report through their link. )

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 2022-08-22
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX credit card account was opened under my name by somebody I don't know without my consent, and there has been {$9000.00} charge on this credit card which I didn't make. This is a fraudulent activity, which I already contacted the card issuer and asked to investigate and close the account ASAP in XX/XX/XXXX. However, the account is still open and due to the interest, the balance increase to {$9400.00}. I contacted the company again on XX/XX/XXXX, asking about the status, and the representative told me that the investigation is still ongoing, and should be completed in the next five business days. This hasn't been done so. 
There were XXXX other credit card opened as fraud ( XXXX, XXXX, XXXX XXXX XXXX XXXX and they already closed the accounts. 
I don't understand why XXXX XXXX XXXX XXXX bank takes so much time to close the account and take the balance away, which impacting my credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-12
Company: TD BANK US HOLDING COMPANY
State: DE
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 XXXX XXXX, I need your Help in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Colorado Housing and Finance is withdrawing money from my escrow account based on false claims of my lack of insurance. 

It began on XX/XX/XXXX, when I received a notice by mail that hazard insurance was purchased for {$2200.00} on my behalf due to a lapse in coverage. I immediately remedied the issue by purchasing a new policy and submitting those documents directly to XXXX  on XX/XX/XXXX. They, in turn, claimed that they had no evidence of my insurance coverage from XX/XX/XXXX, when I purchased my home, through XX/XX/XXXX when the policy ended. So I then submitted that to them as well. 

I was assured by phone that they received the documents and were in fact viewing them, and that I should expect a new escrow analysis to include refund for any unused hazard insurance. However this never occurred, and I have been playing tag with XXXX   ever since XX/XX/XXXX. 

Now it appears that they are very angry with me for filing a formal complaint with you. I can tell because on the same date they responded to this initial complaint, they sent me a letter on XX/XX/XXXX demanding proof of insurance or they will immediately purchase hazard insurance and charge me for it. 

I am attaching this latest communication from XXXX, as well as proof of coverage here in hopes of clearing this up once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Bankruptcy XXXX XXXX XXXX XXXXXXXX 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 2022-10-12
Company: Thaxton Investment Corporation
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
This company continues to harass me via phone, personal cell and work phone. 
In XXXX I called in to make a payment arrangement with one of the associate for XX/XX/XXXX to make XXXX payment, I explained i will be late and why and was told okay to the arrangement. I then two days later start to receive back to back calls and voicemails to call the office. I then get calls on my work line starting XXXX. I involved the associate to not to call my call and that they could continue to call my cell and I will improve my communication being that i also work the same hours as their business. I asked to speak to the manager during the same and also asked her to notate to never call my employment, she also confirmed that she will. In XXXX I am now still receiving calls at my employment. I am harassed on my personal number with rude and unprofessional comments from the associates in the office. It takes a strain on my mentally and at my employment with the personal calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: ERC
State: DE
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 XXXX XXXX, I need your Help in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
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: Investigation took more than 30 days

Complaint:
attached is the CERTIFIED MAIL FROM XXXX XXXX. Equifax is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 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 an alleged identity theft, not later than 4 business days after the date of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! XXXX XXXX options Account # XXXX XXXXXXXX XXXX XXXXpen optionsAccount # XXXX Open options Account # XXXXXXXX XXXX XXXX XXXX Open options Account # : XXXXXXXX XXXX XXXX.Open optionsAccount # : XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  XXXX XXXX options Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXOpen options Account # XXXX XXXX  XXXX Open optionsAccount # XXXXXXXX XXXX XXXX XXXX Open options Account # XXXX XXXX XXXX XXXX XXXX Open options Account # XXXX XXXXXXXX XXXX XXXXXXXX XXXX Open options Account # XXXX XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX options Account # XXXX XXXX XXXX XXXX XXXX  Open options Account # XXXX XXXX XXXX XXXX Open options Account # XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX, XXXX. 
XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04
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 have inquiries and accounts on my credit report that I didn't apply for.

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 2022-10-12
Company: Paypal Holdings, Inc
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
4 months ago, PayPal froze my account totaling roughly {$46000.00}. They cited potentially suspicious and illegal activity, but gave no specifics. I'm a XXXX military member supporting my XXXX grandmother back home and was using PayPal to cover many of her expenses. I've emailed and called them relentlessly, but have been shut down at every turn. It's the typical terrible customer service. They say they'll send instructions on how I can receive my funds in another 2 months. In the meantime, I can not transfer or withdraw my money. I'm glad to see them getting lit up for this insanity. Surely there are others like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
With my card ending in XXXX, Capital One credited my account for {$1400.00} that I am disputing then recharged me. They claim they sent a form out for me to fill out, but they did not. I never received a form. This is disputed because the company never sued or took care of the account which the {$1400.00} was submitted for. And they don't return phone calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-12
Company: Amsher Collection Services, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My account with XXXX  has been trouble since the beginning. have tried to resolve my issues with them, by phone, by letters and asking for arbitration. Now my bill has been sent to a collection agency, AmSher Collection Services , Inc . I am a victim of identity theft and I carried insurance on all three of my devices. I also had identity theft protection through them. I asked to go through arbitration. I'm not sure what to do at this point. I was overcharged for my services and my srevice was cut off which made me pay reconnect fees on each device. There is a XXXX dollar payment that they can't account for. I tried to resolve all of these problems and more to no avail. My personal, medical, psychological, and legal information was breeched. Someone else was using my data because my devices had malware my cybersecurity was breeched.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: Flagstar Bank, N.A.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchased my house XX/XX/2018, I am in the process of suing the seller of my house for breach of contract, which has caused issues with paying my mortgage which was brought out by Flagstar Bank, I have been attempting to obtain mortgage assistance through Flagstar Bank since XXXX. I have submitted numerous documents but yet my case is closed due to no one contact me or even attempting to make contact with me through Flagstar Bank. They purposely do not reach out or send correspondence so that you are delayed and fall behind, I have left messages, emails, and even complained to the XXXX  because it is not right to offer a loan modification services and not able give the consumer to correct information or even process what is submitted. This company was sued 4 yrs ago for the same exact actions. I have spoken to XXXX, XXXX and even a " supervisor '' XXXX XXXX who was extremely nasty and unhelpful. I am still trying to figure out why I have to reach out numerous times to Flagstar to find out is needed because as stated my " case manager '' XXXX XXXX has made absolutely zero attempts to contact me or even mail me information regarding my mortgage assistance documents. I should not have inquire over 6 times to find out what is needed when I have a case manager and have asked numerous times to reach out me. I also asked XXXX XXXX to research why no one has outreached me or even made a phone call attempt and even though all of your calls are recorded I could get any information, nor was I given a reference number for the call or any other call made. I think this is the most unprofessional mortgagee company I have ever come across as if someone is being proactive all it takes is someone to actually do their job and make sure communication with the consumer is made. SO now I risk messed up credit and late payments due to the lack of respect this company has for its consumers.

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 2023-03-05
Company: Experian Information Solutions Inc.
State: FL
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 is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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 explanation
Consumer complaint received 2021-01-08
Company: HW Holding, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Hunter Warfield, a Debt Collector called me in XX/XX/2020. The all begins with the Hunter Warfield representative asking how I would pay the debt of {$5100.00}. I first began to explain to the representative that I did not think it was the correct amount. I explained to him that due to the pandemic, and as a part-time XXXX  I have not been working. He proceeded to tell me that I had just moved and bought a house and had enough time to pay my debt. He also said that I owned a business and that I had money and should pay my bills. This escalated as I felt attacked by this representative with Hunter Warfield  who proceeded to tell me what my financial situation was during these difficult financial times. The call turned into a shouting match and so the Manager took over the call and proceeded to tell me that if I did not set up payments their clients were going to take me to court pursue legal action, and he kept repeating this message. After feeling intimidated and threatened, I finally set up payments.

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