BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: WELLS FARGO & COMPANY
State: CO
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 XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WA XXXX has access to my identity. He switched my password, email, and phone number on my Wells Fargo account. The switch triggered a notification within Wells Fargo 's computer system and they notified me. The card has been since locked. I was notified before any charges were made. Good on Wells Fargo. Get the ID theft 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 2019-06-24
Company: WELLS FARGO & COMPANY
State: LA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I requested information about refinancing my current loan from Wells Fargo to fix my interest rate in XX/XX/XXXX. XXXX - Rate was previously fixed between XXXX - XXXX upon which rates began increasing. 

The rep gave me information about the refinance options, clearly telling me that my debt to income ratio precluded me from refinancing without a co-signer. Info was sent to me about getting a cosign. I did not follow up because I can not at this time. 

Since that time ( XXXX - XX/XX/XXXX ), I've received daily robo calls re : my loan " options. '' When I stay on the line and am connected to a person, I ask what company they represent upon which the call is terminated. When the call goes to voice mail, the option to be removed from the call list is also the key in to delete the message. 

This is egregious, annoying, and obsurd. Please advise.

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 2022-09-20
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/2021 a secured loan were open in the {$2500.00} and I disputed these such action and the account was removed and a false name wasn't removed AS I DISPUTED SUCH NAME, XXXX XXXX AND FALSE ADDRESS WAS DISPUTED AND WASN'T REMOVED AS WELL AT XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Blockchain.com, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have an account with Blockchain.com. I tried to transfer one XXXX ( cryptocurrency ) from my XXXX wallet to another wallet on XX/XX/2022 but the transaction is still pending as of today ( XX/XX/2022 ). I have reached out to their " support '' by email ( no other optional besides email ) multiple times and was told that my case has been forwarded to their internal department to handle. I was told that I was given a different support ticket # XXXX and the regular support team can not help me. They did not provide instruction of how to contact the internal team nor had anyone contacted me regarding ticket # XXXX. The price of one XXXX was about {$19000.00} when I initiated a transfer on XX/XX/2022 and the prices was {$16000.00} as of today. Please help! 

Thanks, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: Experian Information Solutions Inc.
State: OH
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 have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of these debts and request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) When the original date of default and collection activity began 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
State: LA
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 explanation
Consumer complaint received 2023-04-21
Company: AppFolio, Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2023 appfollio reported a dismissed felony charge on my rental application under my criminal records convictions, ultimately getting my rental application denied by honspartners. I have no felonys and have never been convicted of a felony. Appfollio presented them with false information claiming I have a felony on my record when the case was dismissed resulting in no felony conviction. I have written a dispute with appfollio asking. Them to remove that from my tenant screening report as the management company is looking for felony convictions not dismissals.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 THIS  COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Transunion credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
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:
in accordance to the Fair Credit Reporting Act and XXXX account number- XXXX has violated my rights. 

15 U.S.C 1681 Section 602 S states that I have the rights to privacy 13 U.S.C 1681 Section 604 H section 2 it also states that a consumer can not premise my account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX  XXXX has been falsely reporting Mrs. XXXX XXXX   mortgage as delinquent by utilizing an improper loan which does not exist. Therefore, the false credit reporting should have never occurred. On XX/XX/2019 XXXX XXXX XXXXXXXX XXXX XXXXXXXX sent Mrs. XXXX a letter stating they reported account status information to the consumer reporting agencies when reporting should have stopper ; We've notified the consumer reporting agencies and have asked them to update your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: First Credit Services Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was going through my credit and noticed that there is a collection on my credit report that i'm not aware of. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other  instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
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:
I have come to realize that Transunion has included accounts in my consumer report that were a result of alleged identity theft. These accounts contain information that is not related to any of my transactions, and I have not received any benefits from them. To resolve this issue, I took the necessary steps and sent a written correspondence to Transunion, providing evidence of my identity, an identity theft report, identification of the inaccurate information, and a statement as required by law. As per the law, Transunion is obligated to block and delete the accounts within four business days from the date they received my notice.

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 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 1 late payment on an account that I was never late for. Consumer Report Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with MAXIMUM accuracy. I have never been late on payments for the account. 

XXXX 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 on " on-time '' and never late as they should be as I was NEVER late or REMOVE from my consumer report. 

Thanks, 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 2022-01-07
Company: Upstart Holdings, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Misleading preying and marketing tactics to gain entry to personal and financial information from the consumer. Found online after dozens and dozens of prequalified communications. Rating and giving the consumer the highest degree or approval odds to later back out of the transaction and deny loan based on " discrepancies '' they say exist, but no-one can explain or tell you what they are. All documentations provided were accurate, timely and presented in the fashion requested but very poor communication with the timely response of the representative took almost a month to move in the positive direction that should have taken a 5-7 day time frame. Disgusting and unprofessional demeanor from the " Supervisor '' involved was worthless and was less effective than the original representative. She also refused to give me her companies location, her ID number or any other traceable information to later identify her to avoid future scams with Upstart and so she can get training. Suggestion to the public is to avoid this predatory lending company " upstart '' and find other reputable companies that will not play games with your personal information you submit. Shareholders should be ashamed of themselves, and the board should fire all from the top down and start over or keep same practices and rebrand and call themselves downslope. Consumers would be better off going to the local pawn shop and building a relationship with the rep. that will rip you off with a 25 % lending rate. Run as fastest you can when dealing with Upstart.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Paypal Holdings, Inc
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/XXXX, Paypal suddenly taken entire funds from our account. Totalling US XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previously we were selling digital items on paypal. Until on XX/XX/XXXX they stated we " can no longger do business on their platform XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), or in other words being permanently limited, in which they also stated remaining balance will be hold " for the moment '' and will be available for withdrawal " after 180 days '' ( XXXX XXXX ) Waited quite some time, we finally received notification email from them on XX/XX/XXXX saying the funds status are now " eligible for withdrawal '' ( XXXX XXXX ), in which we tried to withdraw but always failed. We keep getting " there's a problem with your account '' error Knowing that we have been " eligible '' but still unable to withdraw, we tried contacting paypal through their support chat in which they replied will escalate the situation ( if we remember correctly- as the message sent and received there get cleared soon enough ), yet after more waiting and several times trying, we still unable to access the funds Then, on XX/XX/XXXX, all of sudden we got ANOTHER EXACT SAME email saying that we " can no longer do business on paypal '' ( XXXX XXXX ), which is weird as we've received got this same message before. How could account that have been closed, got closed again? No way we have to wait another 180 days. Sending to support ticket, few days later on XX/XX/XXXX got email saying the funds are now " eligible for withdrawal '' ( XXXX XXXX ), yet again and again, still unable to perform the actual withdrawal Our peak disappointment happen during that XX/XX/XXXX when they decided to just flush away our funds like that. We've tried to do the right thing by refunded all those who disputed the transaction, and yet paypal still took our {$25000.00} under nonsense " XXXX XXXX '', which we think unfair. If, we indeed did damage to paypal other than what has been refunded, the fair resolution would be taking that equal sums ( then showed us refunded to which customers so we can address to them personally ), and not ENTIRE ONE!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
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: Credit inquiries on your report that you don't recognize

Complaint:
I never had any account with XXXX. The company that I worked for was the one that had an account XXXX with them. I tried fixing this issue with them but they wouldnt listen. XXXX XXXX XXXXXXXX XXXX was the one that had an account with XXXX and not me. I need them to be removed from my account and also any negative activity from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: JPMORGAN CHASE & CO.
State: FL
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:
On XXXX, I purchased a XXXX  XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX XXXX Florida. At closing Dealership Representative XXXX XXXX sold me an aftermarket warranty which is called ( XXXX XXXX CONTRACT ) for {$880.00}. The contract agreement clearly states, " If you cancel this Service Contact within 60 days of the PURCHASE DATE, a 100 % refund of the service contact price will be made less any claims paid on the service contact. On XXXX, I responded back to the dealership to cancel the contract. The representative XXXX XXXX was verbally abusive and refused to cancel the contract. I then disputed the {$880.00} from the {$5000.00} deposit that I placed on the vehicle. I showed proof of the service contact agreement to my Chase Visa credit card company. However, Chase denied my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/21, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. Please help me get these accounts updated and get my credit back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
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:
FCRA requires investigations to be completed in 30 days. XXXX XXXX and Experian has gone over 30 days according to the law. I did not consent to Experian and XXXX to add to my credit report. There was no investigation be either. I will be filing for a {$1000.00} in court. I will also be writing FTC that my rights were violated. Due to the Experian, XXXX breach. I am demanding one last time that the bankruptcies be removed and sent an updated credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: Payfare International Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I should have {$260.00} available to me in my XXXX  ( ran by payfair, partnered with XXXX ) wallet. But my funds are not available to me and I cant even see how much I have. Every time I try to access or view them I get a different error message. I have called XXXX and XXXX support every day since XX/XX/22 and emailed multiple times and have gotten different answered that range from a glitch in their system to a garnishment withholding with no solid answers.

Company response to consumer: Closed with explanation