BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this account deleted or updated. These are the items I demanding to be deleted immediately 1. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Did not consent to unauthorized inquiry XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from 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 non-monetary relief
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: NY
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 sent a letter on XX/XX/XXXX to remove fraudulent account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint XXXX & I am including it again. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}.

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 2023-03-20
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023 Chime bank closed my account without notice with over {$2500.00} of funds in the account. Chime bank would not communicate with me over the phone and have ignored my emails, requesting the reason for the closing, but most importantly, my money back. I did nothing to violate any term and have fun and chime number for over three years with regular direct deposits into this account. I am a single mother with no money for food or gas due to these shady practices. 

When I finally was able to reach a live person after being hung up on multiple times, I was told there were no supervisors and the person I was speaking with, had no information. No company like this should be able to manage money. In addition to closing the account and they locked me out of the app so I can not even see whats going on with my money. 

I need my money back immediately. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02
Company: Paypal Holdings, Inc
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I have had a PayPal credit account for a number of years. I 've never had any issue with it until its recent departure from eBay. Since then, it has been impossible to maintain my account as my automatic payments from my checking account do not show up when I login to check my balance. All I can see are payments I 've made directly from PayPal. I recently changed bank accounts and made multiple attempts to change it on PayPal for a {$99.00} payment due on XXXX XXXX. Every attempt was met with a error notice. I finally contacted PayPal and waited on the phone for 25 minutes before being able to speak to someone. It was then I was told the acct was 31 days past due. At no time when I logged in before XX/XX/XXXX was there any indication the acct was past due, only a due date of XX/XX/XXXX. Payments of {$55.00} had been made every two weeks via auto payment for months. In fact, I had made a a payment from my checking of {$100.00} payment in XX/XX/XXXX and when I called PayPal in XX/XX/XXXX they had no record of it. Paypal is making maintaining accts impossible as there is no complete record of payments received and payments due.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-28
Company: Block, Inc.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was scammed out of {$4300.00} from a hacker over on XXXX pretending to be one of my friends how told me to buy XXXX and submit it to a cryptocurrency address for " investment '' over on a website called, XXXX XXXX XXXX  This all occurred on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: MOHELA
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hello- I am on an income driven repayment plan ( REPAY ) to repay my federal consolidated student loans. I was with XXXX and as transferred to MOHELA a few months ago in XXXX. During the national emergency ( COVID pandemic ) I was in the COVID forbearance period and received an email from XXXX stating that I needed to apply for recertification although no income recertification was required during the XXXX pandemic forbearance period. Because of this incorrect information from XXXX I recertified my income online in XX/XX/XXXX ( see attached document ) which resulted in a much higher payment compared to the previous year due to my higher income. I should not have to pay a higher payment due to my servicer ( XXXX ) providing false information to me. It is unfair for me to have to make the higher payments after being told false information about recertification when it was not a requirement during XXXX pandemic and is not a requirement for at least 6 months after payments resume this Fall. No one has been required to recertify during the XXXX forbearance period and I should be entitled to the same benefit afforded to everyone else with federal consolidated student loans. I requested this reversal and complained to XXXX several times before my loans were transferred to MOHELA about this issue and false information. I have seen others income recertification be reversed or undone from searching online and I believe I should receive the same reversal of my income recertification for at least one year as well. Please see the documents attached. One is my income driven payment recertification in XX/XX/XXXX and one is my payment income driven repayment plan for XX/XX/XXXX- XX/XX/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 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I noticed inaccurate information on my credit file, and I submitted a disputes in XX/XX/2023 and XX/XX/2023 to all three-credit reporting agency, I never received a response back regarding my investigation.

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 2023-11-09
Company: Experian Information Solutions Inc.
State: CA
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 do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I SUBMITTED SEVERAL DISPUTES WITH ALL THREE CREDIT REPORTING AGENCIES AND I NEVER RECEIVED A RESPONSE, I SENT ALL DISPUTES IN XX/XX/2023 AND XX/XX/2023, THE INVESTIGATION IS TAKING LONGER THAN 30 DAYS.

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 2022-05-28
Company: MIDFIRST BANK
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I referred a friend to XXXX XXXX, XXXX, in early XXXX. Both my friend and I were supposed to received a {$50.00} referral bonus after she completed the referral requirements. The requirements for the {$50.00} referral were to open a XXXX account using my referral link and making a {$300.00} deposit within 7 days of account opening. She completed these requirements and received her referral bonus the very same week. I received nothing, So I called XXXX. They told me to call back after 30 days if I don't receive the referral bonus. I called after 30 days and still received no help. All the customer rep keeps telling me is they emailed the promotions team and they're waiting for a response from them. I called multiple times after this and received no update whatsoever. Please get these people to credit me my referral bonus already. Here is the name and email of the friend that I referred so they can verify my referral. 

Name : XXXX XXXX Email : 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 explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: CL Holdings LLC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2022 Jefferson Capital Systems , LLC I want monetary relief. Jefferson Capital Systems has violated the Fair Debt Collection Practices Act. A mailed document from Jefferson Capital Systems , LLC, a affidavit from me and a invoice for payment of the violations committed are attached to this compliant. 15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; ( PER VIOLATION )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: EQUIFAX, INC.
State: MS
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 account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A stated 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I have been wrote Equifax numerous times demanding what I need done to in order for my consumer report to be fair and accurate. Equifax refuse to do anything that is demanded of them according to the Gramm leach Bliley Act and Fair Credit Reporting. On XX/XX/2022 ; I noticed on their website in their data sharing policy it states that " Equifax shares data with an organisation based on the data subject 's consent ''. They are admitting that they need the data subject 's consent ( consumers ) to release any information. 
15 USC 1681b ( a ) ( 2 ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates.

I have hand written a letter, I have printed out their data sharing policy, and A copy of the laws that this company is violating

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have made XXXX payments to escrow account that was received and cashed by Wells Fargo, but never deposited to the escrow account but rather used to pay interest. 

{$980.00} on XXXX/XXXX/2015 {$500.00} on XXXX/XXXX/2015 FYI monthly mortgage payments are {$630.00}, and monthly escrow payments of XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXXXXXX 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 explanation
Consumer complaint received 2022-05-26
Company: CAPITAL ONE 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: Application denied

Complaint:
This card company constantly send emails and letters around the XXXX and XXXX offering to say you're pre-approved knowing these are the time people pay their bills to deny deny them. I constantly receive these which actually have hard inquiries and some do not and they and not solicited.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Nelnet, 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: Account status incorrect

Complaint:
Took what I thought was a private loan from XXXX XXXX  out in 2006. The college recommended XXXX XXXX. My credit report now show Nelnet as my servicer and XXXX XXXX as my lender. No original loan paperwork has been sent to me. My credit report has multiple loans showing. Same amount same loan number appears to be duplicate.

Loan is now showing as a FFEL when it was private. Loan is over 10yrs old. I have disputed to no avail. Did not apply for a XXXX XXXX   loan with XXXX Nelnet or XXXX. My college recommended XXXX XXXX for a XXXX XXXX dollar personal loan. I have graduated and can not find a job, I would like to have this removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 an account without my written instructions. 


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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: GUARANTEED RATE INC.
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I was in the process of selling my house and I asked my old loan company ( Stearns Lending ) for a payoff so I could be ready by our closing date and in the middle of them getting me my payoff they sell my loan to Guaranteed Rate, I wasn't notified of this process until 7 days after it was sold and I had to find out myself by calling my old loan Company. I've been trying to get my pay off from Guaranteed Rate for around 10 days now and they keep transferring me to different people, and giving me different solutions on how this will be resolved. I've already missed two closing dates because of this issue. The first time I called the representative on the phone told me she would put in the request and I would get a mailed copy of my payoff within 10 days, The second time I called I was told representatives couldn't put in the request and that I had to specifically request it myself by email and I wouldn't get my results up to 14 days of request. I emailed a second time asking them to reply to me about my first email to see if they got it and they also didn't respond to it. I had to call a third time just to check and make sure they got my email. It seems like they just keep transferring me to different people, and making up excuses and different ways for them to not give me my payoff so they can add more fees to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The account XXXX XXXX XXXX XXXX XXXX is reporting 12 late payments of 30 days. This is highly incorrect. They are also reporting this account closed when its not even my account. From XX/XX/XXXX until XX/XX/XXXX they are either reporting this account late or closed. It should be removed. 
These payment were paid on time and as scheduled. I reached out to XXXX about this account and they keep telling em to hold and then they send out a letter saying that even though they were wrong, they can't go and change already posted information. 
The account number is XXXX. The account was opened XXXX, XXXX. It was an Credit Card. 

The account XXXX XXXX XXXX is reporting three late payments of 30 days. XXXX, XXXX and XXXX This is highly incorrect. 
These payment were paid on time and as scheduled. I reached out to XXXX about this account and they keep telling em to hold and then they send out a letter saying that even though they were wrong, they can't go and change already posted information. 
The account was opened XXXX. XXXX, XXXX. It was an Auto Loan.

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