BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-07
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
There are 4 student loan accounts showing up incorrectly on my credit report. The highest balance on these accounts are {$1500.00}, {$8000.00}, {$2700.00} and {$3500.00}. There must have been a paperwork error as all the rest of my accounts are showing on time. I was in a deferrment period during the times of the lates that are appearing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
State: OH
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 have violated my rights. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not finish account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Im a widow my husband passed away on XX/XX/2013 and we have a reverse mortgage on our home. I am the co-borrower on the signed closing documents. When my husband passed away Wells Fargo came at me with a foreclosure, stating that I was not on the mortgage and that I had to prove that this was my home. They denied that I was a co-borrower and my name is signed on the line that states co-borrower and I had been married to my husband almost 60 years. I immediately seek an attorney to help fix this problem after years paying this firm almost {$30000.00} Wells Fargo in the middle of the process sold my mortgage to another bank and they started foreclosure proceedings as well. Hired another attorney firm and when we were about to finish the process this bank which is called XXXX XXXX thats an affiliate of Wells Fargo I was told sold it to another mortgage company named XXXX Mortgage which made me again start the process all over again. Im an XXXX XXXX XXXX woman that is trying to fix this problem and still have not been able to do so and when Wells Fargo had the mortgage they would not recognize me as the lawful owner of my home even though in XXXX XXXX that I live in the deed of the house is legally in my name. Please someone help me because even my attorney which is a new one can not get through any of these banks to finalize this mistake and deem me the owner of my home. Also, my grandson has been fixing my home because it was falling apart. XXXX put a brand new roof and storm windows and doors new fence and paint so it would not look like a haunted house. XXXX put almost {$100000.00} in upgrades to the house and these people wont even negotiate any

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 2021-12-25
Company: JPMORGAN CHASE & CO.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This week and every month prior Chase Credit Card is submitting a payment through my bank at XXXX XXXX XXXX XXXX. When you dont have enough money they will resubmit the payment request to my bank until I have enough money to pay it. My bank then charges me a XXXX dollar nonsufficient fee each time. Putting me further in the hole. Chase is only authorized to request the payment once a month that is how it is setup. Im not sure if the bank is holding the request and submitting the payment repeatedly or if Chase is. I am XXXX  due to COVID and this practice has been contributing to bills not being payed, me being without electricity and facing possible homelessness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
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:
There are several account billing errors with XXXX XXXX XXXX in accordance with the fair credit reporting act this Company has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. I know that an account a written list of transactions, noting the money owed ( top part of the statement ) and money paid ( bottom part of the statement/dividend check ) : a detailed statement of mutual demands arising out of a contract or a fiduciary relationship. An account can simply list payments, losses, sales, debits, credit, and other money actions, or it may go further and show a balance or the results of comparing site transactions, like purchases and sales coupon is a definitive bearing interest instrument associated with a U.S. Treasury bearer security. 31 CFR 358.1 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. 15 USC CHAPTER 41, SUBCHAPTER III ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. ( f ) The term " consumer reporting agency '' means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. ( g ) The term " file '', when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: IL
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:
Several inquiries pop on my credit report that I did not apply for XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, LA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account, registered under the email address XXXX Firstly, I believe that this limitation may have been imposed as a result of a misunderstanding or error. I have always strived to adhere to PayPal 's policies and guidelines, and I am confident that I have not engaged in any activities that would warrant such a severe action. 

I kindly request PayPal to re-investigate my case thoroughly. I am hopeful that upon a closer examination, it will become evident that my account has been unjustly restricted. I understand that security is of utmost importance to PayPal, and I fully support their efforts to protect users and the platform itself. However, in this particular instance, I believe there may have been a mistake. 

I kindly request that my account be reinstated if the investigation reveals no wrongdoing on my part. This would not only alleviate the inconvenience I have experienced due to the account limitation but also allow me to continue using PayPal for my online transactions, which I rely on for various financial activities. 

I am committed to cooperating fully with PayPal 's investigation and providing any necessary information to resolve this matter promptly. I value the services PayPal offers and the convenience it provides to its users, and I hope to continue being a responsible and compliant member of the PayPal community. 

Thank you for your prompt attention to this matter. I look forward to a favorable resolution and the reinstatement of my PayPal account. Please feel free to reach out to me at XXXX for any further clarification or information you may require. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Mercedes Benz Financial Services
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
MB FIN SVCS XXXX They gave me a late payment on account with them without sending me a bill. Since they didnt provide me with a bill i told them this resulted in a billing error, and that if i was wrong to provide me with the bill they sent me. Instead they sent me a copy of my lease contract. 
That was my first payment due and I also see on my contract that they took my first payment out of my down payment. So how was I late 30 days? Being that they couldnt provide me with a bill. Or proof that they sent me a bill. This results in a billing error. Them providing a contract instead of the bill they were suppose to send me and not removing the late payment is against the law and is violating my rights. The law says they can not give me a late payment on the account unless they provide the documentary evidence that i received the bill. 

Below i have attached what they sent me back trying to use it as the bill. But under the FCRA a contract and a bill are defined completely different. This does not meet the requirements of a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: Resurgent Capital Services L.P.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, I'm a veteran any rights have been violated according to THE FCRA guidelines and I will be obtaining a consumer rights attorney if this is not rectified. This company doesn't have a legal right to report this debt on my credit report it was purchased by another debt buyer. They keep attempting to change the DOLA and re-age the debt on my credit report my next step is a lawsuit if this isn't removed off my record in 30 days. I already gave my attorney the documentation ; my purpose of filing through the CFPB is to create an additional paper trail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I really Try reaching out to the company and the credit bureaus to help me with this situation and I had no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXXXXXX XXXX XXXXXXXX Balance : 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 2023-09-18
Company: Block, Inc.
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
XX/XX/XXXX I deposited XXXX} cash at my local XXXX. I immediately attempted to pay phone bill but it was declined twice, tried to cash out money it was declined. I contacted support and was told they were declined for my protection and there seemed to be some unusual activity on my account. Told that I was no longer able to use my cash card but could still cash out or send to someone else. Explained I was not able to do either. I was first told that my bank was declining the cash out saying that my bank had cash app blocked. I called bank and was told there was no block and that they could not see where anything had been declined on there part. Contacted support with this information and was told that they no longer accepted my debit card as a means of funding my account. I stressed that I was not funding rather trying to withdraw my money. I even changed. Cards but still could not cash out. Explained that when I tried sending to someone else it said I did not have enough to complete transaction. But I did. Immediately was told that they were sending to the specialty team and someone would be in touch. I have not heard from anyone yet. I have reached out multiple times and received no answers and no money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: MONEY SOURCE, INC., THE
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I just received a letter on Monday XX/XX/2021 informing me my mortgage has been sold from XXXX to XXXX XXXX. The letter was dated XX/XX/2021. I was not provided the required 15 days notice from my current mortgage servicing XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: EQUIFAX, 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 XXXXXXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report. 
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The following accounts contains transaction history and experiences with the persons that I have engaged in a consumer credit transaction with : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act, under the exclusion section it states that my consumer report does NOT include : report containing information solely as to transactions or experiences between the consumer and the person making the report. This company is solely responsible for deleting what's been furnished on my consumer report. Moreover, this company did not have my written instructions to furnish this information on my consumer report, which is against the FCRA. So, they did not have permissible purpose nor shall my consumer report contain such information. All balances must be zeroed out immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
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:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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