BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-10
Company: Experian Information Solutions Inc.
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX The above bank reported to Experian and other credit bureaus that my XX/XX/2018 mortgage loan payment was submitted late for account # XXXX. 

I made the {$4500.00} payment on time on XX/XX/2018, and the bank representative provided me confirmation number XXXX for the payment made on said date. 

I have attempted to correct information on my credit reports but XXXX XXXX XXXX XXXX XXXX continues to inform the credit bureaus that the information they provided is correct. 

I have had two investigations completed by Experian to no success. I have attempted to resolve the issue with XXXX XXXX XXXX XXXX XXXX also without any success.

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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I request that you eliminate the erroneous late payment from my account. Given my track record of timely payments, it is unjust for me to be penalized for an error that is beyond my control.

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 2022-05-22
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
i believe that it was mistake to close my Paypal account. I am using my paypal account for my online business as a selling XXXX business. I start using this Paypal account last month, XX/XX/2022, My Paypal account email is XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hopping that I will get back my account and able to use my new online digital selling business. 
Thank you and Good bless For Identity verification, I attached my valid ID. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: BlueChip Financial
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I entered to AGREEMENT XX/XX/XXXX. 3 month long. High interest trying to get money to bury my sister. They changed the lone from a 90 long to a 68 day lone and charged me interest ... I wrote them a long email and explained that I didn't agree to those terms. They put the money back in my account. Lost check returns etc ... got my stimulus money and after less then 30 days. They're charging me late fees for them illegally taking money out my account and tell me that I gave them permission to when I have documentation that I didn't. I've asked them time and time to send me documentation that I did and they say its online ... and yet they charged me nearly XXXX for a 90 day loan that at the most should have been XXXX plus the XXXX ... how's its XXXX for 20 days. On a 90 day loan I'm clueless how they came up with that

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: Experian Information Solutions Inc.
State: AL
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:
Ive noticed fraudulent inquiries Inquirer Name XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2018 Inquirer Name XXXX XXXX XXXX XXXX Date XX/XX/2018 Inquirer Name XXXX XXXX XXXX Inquiry Date XX/XX/2018

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 2023-01-27
Company: CBC Mortgage Agency
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, I submitted all the required documents to XXXX XXXX XXXX XXXX XXXX. to request a loan modification. I constantly reached out to them on a regular basis to request an update, and was informed each time to contact them about a week later. Finally, during the end of XX/XX/XXXX, I was informed that XXXX XXXX XXXX XXXX XXXX. was not listed in the first position and that my second lender, CBC Motgage was listed as being listed in the first position. According to CBC 's representative, they are listed on the record in the second position. I provided XXXX with a copy of the Certificate of Satisfaction on XX/XX/XXXX and the documentation was sent directly to XXXX XXXX, whom I late learned was a supervisor in the Loan Modification division. After calling to follow-up, I was informed two weeks later that XXXX XXXX has yet to process or upload any documentation and there wasn't anything in the system to reflect that they had received the document. I also followed up on approximately XX/XX/XXXX or XXXX to request an update, and I'm no longer closer to finalizing this process. On XX/XX/XXXX, XXXX XXXX sent an email to XXXX to notify XXXX that they are listed in 2nd position. They also requested documentation verifying this information. I followed up again on the same day, to ensure they received XXXX XXXX email and was told that they needed documentation from CBC. I stated to the representative that I could connect the CBC Mortgage representative and was told to have them reach out to XXXX XXXX, to have them send the documentation. I have checked the XXXX XXXX Deed of Records and am unable to find a document that shows CBC Mortgage in first position. Can you please assist me with resolving this matter? It is hinder me from filing a loan modification under XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2022-07-10
Company: The Bureaus, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been sending dispute letters since XXXX this year, and they never send me a legal verification. Last time I checked, companies are supposed to inform me before putting negative information on my credit report. Besides the fact that I have no idea who the company below is, this company has just put stuff on my credit report without even providing valid proof

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: MI
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 am a victim of identity theft, I have filed police reports, wrote letters, sent in proof, called all 3 bureaus multiple times, probably close to hundreds of times now. I am a person, I am natural human, a citizen who works hard and pays my bills. I am embarrassed and ashamed by not being able to have credit and live the life I am accustomed too. I did not make these charges, I did not open these accounts, yet I am treated like a criminal instead of a victim. I filed the police report, I sent in copies of everything asked from me on MULTIPLE occasions. 
I am demanding these accounts be removed from my credit report by all 3 bureau '' s and I am demanding that inquiries be removed!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: V and H Portfolio
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Company by the name of XXXX XXXX XXXX started withdrawing money from my account in 2016, I contacted my bank and advise them it was unauthorized and the charges were reverse. However a few days later the same company made another unauthorized withdrawal using the same name but adding symbols, so the charges could go through because the name they first used was flagged by the bank. 

I reached out several time but was unsuccessful on all attempts. After several attempts of them trying to withdraw from my account they disappeared and I heard nothing more for over 7yrs. XXXX XXXX XXXX an collection agency by the name of Vance & Huffman , LLC reported a {$2800.00} to collection on my credit profile for that same company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Experian Information Solutions 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:
accordance wit the fair credit Reporting act. The List or accounts below has violated my federally protected consumer rights tO privacy and confidentiality under 15 USC 1681 Account Number XXXX Name XXXX XXXX XXXX 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 a account without my written _astrucions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items of information An other adverse item of information, other than records of convictions of crimes wnich antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Account Number 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
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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 response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: FIRST NATIONAL BANK OF OMAHA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I signed up for the XXXX XXXX XXXX ( Mastercard ) managed by First Bankcard of Omaha, NE. The card was advertised as having an annual membership fee of {$20.00}. However, I was charged an additional {$50.00} fee described as for the " Rewards Program '' that was not disclosed in the ad offer. If I had known there was an additional {$50.00} fee, I would not have signed up for this card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022

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 2023-02-01
Company: EQUIFAX, INC.
State: MA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
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 non-monetary relief
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account was closed because someone else tried to deposit a check into my account through the mobile app without my permission and I told the bank that I wasn't the one that deposited the check through the app because I never use the app to cash or deposit checks i always go to the bank directly or to a check cashing place and it's because of all the identity theft going on.

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 2022-12-15
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/22 I spoke with Transunion via phone regarding an inquiry from XXXX XXXX on my credit report that I didn't recognize and don't not have an account with. 
I told them I didn't authorize this creditor to access my report. the Transunion representative told me I needed to file a complaint with the XXXX in order to investigation this inquiry.

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 2022-12-02
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:
Hi, I returned the XXXX  to XXXX then got credited on the line of credit account. I then closed my line of credit account for my XXXX  on XXXX and they closed it but however they reported it as late which is false. They never generated a statement or email that stated it was late.

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 2023-03-10
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After a thorough review of a copy my mortgage documents acquired at closing, I came across several discrepancies. On XX/XX/XXXX, I sent a letter to Wells Fargo outlining a contractual outstanding amount of {$160000.00}, that was never paid nor given to me, but outlined in my mortgage contract. Wells Fargo responded, admitting that no record exists of this amount being disbursed, transferred nor given to me. However, even with this confirmation, Wells Fargo continues to dishonor this part and many other sections of the mortgage contract agreement. 
On XX/XX/XXXX, I sent an affidavit with 7 days to respond, to Wells Fargo, along with an invoice outlining over 15 continued failure to comply with US Code, state laws and Federal Laws resulting in an estimated sum of {>= $1,000,000} in damages. Receipt of the affidavit was confirmed on XX/XX/XXXX by the post office : XXXX : XXXX XXXX I received a letter response back from Wells Fargo dated XX/XX/XXXX with no dispute, rebuttal nor challenge to the facts laid out in the affidavit, and therefore serves as Wells Fargo 's acceptance of all facts, allegations, violations and damages stated in the affidavit.

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 2023-10-27
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Citibank blocked my checking account on XXXX ( XX/XX/XXXX ) because the address on file had been changed. I called and verified the address. The account was unblocked for a couple of days and blocked again without any notice. When contacted, they said that they needed to verify the ID of the joint account holder ( my brother ) but couldnt give a reason why as all documents were presented when then account was opened. He went to the XXXX, California branch of Citibank to unblock the account in person on XX/XX/XXXX and provided a copy of his Driver 's License and Social Security Card. They said that it would be unblocked within XXXX hours. 

On XX/XX/XXXX, I still do not have access to our money. My identity is not in question but my access has been blocked as well so I called and they transferred me to the Remediation Department. The person from the Remediation Department explained to me that the XXXX XXXX had uploaded someone elses drivers license ( someone unknown to us ). We both agreed that was a mistake from Citibank and that they would expedite the unblocking because I did not have access to MY FUNDS. They asked me to email my brothers Drivers License and call them afterwards to have the account unblocked immediately. I did as instructed and when I called them, they verified that they received the documents and would escalate the process to expedite it and that I could access my funds in two hours. 

It is the end of day on FRIDAY XX/XX/XXXX and Citibank is unlawfully keeping me from accessing my funds because of THEIR mistake. They need to be investigated for unlawful practices and, needless to say, they need to release my funds NOW, which I need to survive. 

Furthermore, this is a very serious security breach. They sent someone else 's documents to my account and who knows where my brother 's Driver 's License and Social Security Card ended up. This bank 's practices should be investigated.

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 2023-08-31
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
The payment received exceeds the total lease amount ( XXXX XXXX XXXX ) as well as the total price of the vehicle. 

Please mail title and excess payment in a check payable to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The following credit bureaus are still reporting inaccurate and refusing to update.

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 2023-10-27
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
They suspended my account because I was receiving chime to chime payments and adding money from my XXXX They said it goes against their policy. This happened XXXX XXXX XXXX. I asked to get my money thats on my account and they refused. I was asked to send documents for no reason about my own account. Chime refused to give me my funds and still suspended my account for no reason at all. Transferring money should not go against any policy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: LoanCare, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XXXXXXXX XXXX XXXX I entered into a Covid forbearance. I was told in both writing and verbally that there would be no negative reporting to my credit report. I complied with all of the Covid forbearance guidelines. My credit currently shows me being late on my mortgage the whole 8 months I was the Covid Forbearance.

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