BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: MD
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and Equifax to remove these accounts I never opened or authorized them, Im a victim identity Theft : ( Equifax ) XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ( XXXX ) XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 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. 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. 

These accounts has hurt my ability to obtain credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
I'm a small business owner in Washington XXXX. We did a project for XXXX XXXXXXXX XXXX XXXX XXXX XXXX to complete the formulation and preparation of plant-based dispersion for farmers. The farmers came to our workplace to pick up the product in mid XXXX. XXXX accountant asked me if it was ok to pay through PayPal. I have a PayPal personal account. It works very well. I can receive the money transfer for free. I agreed. But later the XXXX accountant told me I had to register a business account to receive the payment. They can't send money to a personal account. I registered a business account with PayPal. It becomes a nightmare. 
There are two problems. The first one is I can't get the money. PayPal puts it on hold since XX/XX/XXXX. PayPal asked for the shipping receipt. I called them several times to explain the farmers came to pick up. There was no shipping receipt. But PayPal insisted I had to submit the shipping receipt. On XX/XX/XXXX, I received an email from PayPal. It said PayPal partially removed the limitations. I found they only asked for one item from a list. The first one was my company bank statement. I submitted the bank statement. On XX/XX/XXXX, PayPal told me the bank statement I submitted was incorrect. I downloaded it from XXXX XXXX  XXXX my account. How could they determine it was incorrect? Then I picked another item, which is a letter from IRS with the XXXX  number on it. I submitted the letter. PayPal accepted it. But after more than a week my money is still on hold. I had to pay the labor fee and other expense from my personal account. 
The second thing is PayPal charges 2.9 %, which is {$290.00}. I'm sure I didn't see anywhere PayPal said there would be 2.9 % charge. PayPal doesn't charge for personal account. As a consumer I have the right to know if there is a charge and how much is it. To make sure I didn't miss the place that PayPal might put the service charge statement, I used another small business I registered in Texas to register a new PayPal business account. I did very carefully in every step. I didn't see such statement. PayPal can't charge customer 2.9 % service charge without telling the customer when set up the account. If I knew there is a service charge, I would ask XXXX to wire the money to my bank account or just write a check.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14
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: Account information incorrect

Complaint:
I just received my reinvestigation back from Experian. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 

Account name : XXXX XXXX XXXX Account number : XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( I ). 

I attached a consumer report as evidence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Please Help! 

I deposited 2 checks from XXXX into Chase Bank. However, Chase Bank is not able to verify my checks. I have all the documents and I called XXXX customer service multiple times and XXXX 's back office is able to verify everything. Somehow Chase Bank can not verify my checks. So right now, I can not use my fund, I am not able to withdraw and not able to use it. One check is {$16000.00} and another check is {$3600.00} total is about $ XXXX. This issue happened over 2 months and really affect my life. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
TO WHOM IT MAY CONCERN, IM REACHING OUT BECAUSE MY CREDIT REPORTS SHOWS THAT I HAVE SOME INFOMATION THE IS AN ERROR AND I HAVE REACHED OUT THE BUREAUS AND INFORMED THEM BY MAIL AND I HAVE NOT BEEN NOTIFIED OF ANY UPDATES IN ALMOST 30 DAYS. I WANT TO MAKE A COMPLAINT.

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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 Any other adverse item of information, other than records of convictions of crimes which 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Whom it may concern, I recently reviewed my credit profile and notice inaccuracies and/or incomplete information and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, information that is inaccurate, or which can not be verified.

As I am POSITIVE you are aware as a injured consumer. UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to as for any and all of the above and below DEMANDS UNDER the terms of the Fair Credit billing Act of 1975 ( FCBA ).

As the Official notice of my right composed DECLARATION of not proven Complaint main information that is either or all of the following. YOU MUST ANNUL BY REMOVAL of any DEROGATORY and or ADVERSE AND YET unproven claims be it an account or an aspect of that account PLEASE as you MUST, delete the foul mis-reporting and display any and all of my accounts as being PAID/PAYS as agreed, NEVER LATE AND AS NOTHING ELSE ; XXXX ACCOUNT : XXXX account is showing 30, 60 and 90 days late, also shows account is being reported as negative by credit reporting agency. 

NOTATION : PER CRSA enacted, XXXX Implemented laws, any and all reporting must be deleted if not proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully XXXX XXXX complaint. Provider claims Late Payment yet has not proven even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. As such, I demand evidence of XXXX XXXX compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of, TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to demonstrated TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX  XXXX data field formatted reporting! PLEASE ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement of PAID/PAYS AS AGREED, NEVER LATE. Unless you can document this not to be correct and determine factually and in entirety that every aspect of current reporting is lawfully compliant, you MUST satisfy my demands!

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 2022-05-18
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:
Went to a dealership and wanted to apply for a car and they said they was only going to do XXXX XXXX XXXX, however it was 6 other hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: WELLS FARGO & COMPANY
State: IA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/ I disputed account through all three bureaus as they re reporting a debt on credit report that I do not recall having. I disputed this debt asking the bureaus to verify or delete immediately, more than 30 days have passed and I have not heard back. Dispute letter was sent via mail with a certified and return label and seems like all three bureaus got the dispute but decided to not response to it.

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 2021-05-18
Company: Dovenmuehle Mortgage, 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: Account status incorrect

Complaint:
I had Dovenmuehle Mortgage up until XXXX of 2020. They sold me to XXXX at that time. It is a joint account, all three of my husbands credit reports show in good standing. 2 of the 3 on my name show in good standing at the time of the loan closing, but on the XXXX  file, it shows 120 days lat in the payment status section and remarks section. Due to this, it is blocking me from doing a refinance loan on my home and I have great rates being offered to me as our scores are up over XXXX and XXXX. XXXX needs that removed to move forward and will not go forward with me until it is. 

I contacted Dovenmuehle multiple times. They informed me that my files shows I was never late but can not help me. The credit correction department can but, 1. doesn't have phones, and 2. doesn't have a manager to speak to. They won't even escalate it to any person. Tells me it may take 30 days or more to investigate and remove " if incorrect ''. 

This is utterly ridiculous and is going to end up costing me percentage points and money. 

I need help, I tried all the ways I could and the manner it should have been handled and Dovenmuehle has seriously failed me here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
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:
In efforts to correct the unjust identity theft/fraud that has happened to me and my family from XXXX to present, I have submitted with the Federal Trade Commission report XXXX XXXX, XXXX, XXXX, TransUnion, XXXX XXXX  XXXX, and XXXX. To date most identity theft/fraud accounts have been removed. However, these are remaining on my reports : XXXX XXXX  - XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX {$5000.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX {$3100.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX {$5000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX {$20000.00}, XXXX XXXX Inquiries XXXX XXXX, TransUnion XXXX As XXXX is my witness I have never received or benefited from any of the services, goods, credit, and/or funds from the identity theft/fraud committed against me. Whomever is committing this fraud against me is causing great stress and hardship to me and my family. 

Identity theft/fraud happened between XXXX to present ( XX/XX/XXXX ). I filed with Law Enforcement Report, XXXX Police Dept., Incident # XXXX, Case # XXXX, XXXXXXXX XXXX XXXXXXXX # XXXX, filed on XX/XX/XXXX. 

Upon checking my credit, to see if I qualify for an auto loan, I discovered the following inquiries and several open fraudulent accounts. Credit cards, loan etc. There were also addresses that I am not associated with. Attached to report is a credit report with highlighted fraudulent accounts, inquiries, and balances from all three credit bureaus ( fraudulent accounts listed below ) : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX. 

On XX/XX/XXXX, I submitted an addendum to my original report with XXXX Police Dept., Incident # XXXX, Case # XXXX, XXXXXXXX XXXX XXXXXXXX # XXXX, for additional inquiries and attempt ( XXXX ) to use my credit. 

Since XX/XX/XXXX, a person ( XXXX ) is still applying for credit in my name without my permission. Today I am submitting new inquiries and new address ( XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2023-10-08
Company: American Credit Acceptance, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I had a loan with American credit acceptance, not long after I got the car, I lost my job, fail behind, keep paying and paying and then had to refinance to get caught up.. Then I got XXXX I missed two weeks of work, holidays hit. I got behind but I was paying {$100.00} or more every time I got paid. I dont know what kind of interest charges I was paying. Cause it was like nothing I was giving was going towards any of my payment. They kept telling me I was two and three months behind. Would not work nothing out with me. Then next thing I know they picked up my car.. Ive emailed them several times. Got nothing. I kept asking for number for the local office but i would get told there was not one. I bought the car at XXXX finance through American Credit Acceptance. They pick the car up about 2 or 3 months ago. I dont know what to do. They know pandemic hit. And everyone was struggling. Also I informed them over and over I work third shift. It was hard for me to call them before they closed. I even tried reaching out to someone on their XXXX account. But would never get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 want the company to remove the fraudulent inquiries in 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 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It has been a battle going through this and I am writing to delete the following fraudulent information inmy file. The items I need deleted are listed in the report. I am a victim of identity theft and did not makethe charge or accounts. I ask that the items be deleted to correct my credit report. I reported the theft ofmy identity to the Federal Trade Commission and I also have enclosed copies of the Federal TradeCommission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or givenanyone access to my private and confidential records and certainly not the alleged with the items listedbelow. ) showing on my credit report. I, therefore, request that you immediately remove this accountfrom my credit report with your firm, or provide me with the exact source where you received suchinformation, so I may take appropriate legal action. Please delete these items as soon as possible. 
XXXX XXXX XXXX XXXX, A XXXX ; XXXXXXXX XXXX XXXX BalanceOwed : {$9100.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/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 2023-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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: Was not notified of investigation status or results

Complaint:
I attached the documents, I see payments marked as late and I never been late on any of my payments, because of this error h= I have been struggling to buy a house, its giving me XXXX  and I feel like I can't do anything about it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
NewRez sent multiple letters claiming that my HOA 's hazard insurance policy had expired and that they were threatening to issue a forced-place insurance policy that I would have to pay at my expense. My representative contacted them via phone on XX/XX/XXXX and found out NewRez never even attempted to contact the HOA to get the insurance information. My representative provided the contact information verbally to NewRez on XX/XX/XXXX and again in writing on XX/XX/XXXX. We demanded any and all information from NewRez showing proof that the HOA 's hazard insurance policy had expired. This information was demanded multiple times. New Rez never complied and never responded. They issued a letter dated XX/XX/2023 claiming that they had secured a forced-placed policy and were going to charge me directly. At ALL times herein, my HOA had a valid, active, insurance policy in effect and NewRez provided absolutely no evidence that the policy had expired, and no evidence that they ever attempted to contact the HOA.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief