BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: CO
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:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14
Company: Paypal Holdings, Inc
State: MT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I filed/opened a claim with www.paypal.com for a merchant/seller/company ( XXXX XXXX XXXX XXXX XXXX XXXX ) sending me a damaged product.I ordered the XXXX and a carrying bag.The total was $ XXXX.I sent several pictures for proof to the seller and paypal that the XXXX arrived damaged.I also asked the seller and paypal if I could just send the XXXX back for a refund and paypal refused to help me for the first time in the many years I have been a customer.Paypal said they need this complaint filed to validate the transaction/claim to move forward with my claim which they have never ever done and is highly suspicious behavior from paypal.I am asking {$52.00} refunded back to me please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am a retired Veteran who is 100 % Permanently and Totally XXXX. My mortgage has been sold on XXXX occasions and landed with FREEDOM MORTGAGE currently. 

Since XXXX of 2021, XXXX has been attempting to escrow for property taxes that I am exempted from paying in the state of Florida. I have sent them on several occasions, the documentation that reflects my exemption, however, they have repeatedly ignored the exemption and continue to add to the escrow amount for taxes. 
Freedom Mortgage fails miserably in serving Veterans and takes advantage of their muddled and delayed processes to get resolution on such matters. They have attempted to change the parameters of the original loan and are in violation of federal laws that are designed to protect Veterans against such surreptitious lenders

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 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. This item is UNKNOWN to ME. I dont get why youre claiming this is fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination.

Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15
Company: WELLS FARGO & COMPANY
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I placed this order through XXXX for delivery. After placing the order when my alloted time for delivery got near I got emails showing order was delayed this went on for XXXX + hours XXXX chatting with customer service if I could just pick up or cancel the order XXXX promised that it would be delivered within XXXX hours which was pretty crazy since this was actual groceries. I waited and XXXX hours passed I again chatted in and they gave lots of push back for canceling the order but due to the amount of time I had waited they agreed to cancel. Nothing was delivered because it was canceled, the pending charge never dropped from my account so I opened a dispute once it posted. Wells Fargo again denied the claim

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 2023-12-01
Company: EQUIFAX, INC.
State: GA
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:
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have a loan with DEPT OF EDUCATION / XXXX. I have always made my payments on time. For some reason, I realized that there were 90 days late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is create a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payments from these accounts. Below are the following accounts with erroneous information and Id like remedied ASAP. 
DPT EDXXXXXXXX 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 2023-11-17
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I originally filed for a Care Credit card due to not having insurance and needing assistance with paying to have procedures done. I used the card a few times and was making my payments as usual. I then began to notice that my payments were not going down but instead going up. I had some items on there that were to pay before a certain time frame or the interest would apply from the time that the payment occurred. And then there were others that you just paid on as you went. The payments were not going on the ones that had the time frame even if they were at the top of the list but instead to the other ones. I tried to call and make payments over the phone. Either no one answered after being on hold for hours or I was told that they could not assist me. I kept making payments and now I have over {$2000.00} in interest. I have tried to call several times and ask to speak to a higher manager or someone in the HR department. I'm always told the same thing. Someone will call me or email be back and no one ever does. I try to follow up and its like I never made the fir4st call or there is no record of it. I am a single mom and my hours have been cut at my job so I only make {$300.00} a week. I have paid way more than what I should have and still have so much left in interest when if it would have been applied to the correct payments in the first place everything would be paid off by now. I am at a loss of what to do and they now been sending this to the credit agencies so my credit is declining fast.

Company response to consumer: In progress
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this letter finds you well. I am writing to bring to your attention a grave matter that requires immediate resolution. After conducting a recent review of my credit report, I discovered several entries indicating bankruptcy claims associated with my name. I want to emphasize that I have no knowledge of these bankruptcies, and they are entirely erroneous. It has become apparent that I am a victim of identity theft, and I am reaching out to seek your assistance in rectifying this urgent matter. 

The details of the inaccurate bankruptcy claims are as follows : Bankruptcy XXXX XXXX XXXX I vehemently dispute these bankruptcy claims and wish to emphasize that they are a result of identity theft. I have attached a copy of my identification, along with any supporting documentation, to validate my claim. I request a thorough investigation into this matter to determine the origin of these fraudulent activities and to take the necessary steps to remove these inaccuracies from my credit report. 

Please provide a written confirmation once the investigation is complete and the inaccuracies have been rectified. Additionally, I request that you take steps to enhance the security measures on my credit file to prevent further instances of identity theft. 

Thank you for your cooperation in addressing this critical issue promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
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. 
Account name : 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 XXXX XXXX XXXX XXXX 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.SC 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. 

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 
I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, XXXX, and transunion did not modify or removed anything. 
So i asked for the description of the investigation according to 15 USC 1681i. I still didnt receive anything.

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 2021-05-13
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX ; Experian and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute. XXXX - XXXX ; MEDICAL - XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX - XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

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 2022-02-19
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX BANK ) XXXX XXXX FUNDING ( Original Creditor : XXXX BANK ) 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 2021-05-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I reveiwed a current copy my credit report and show that an alleged collection to whom I have no knowledge is listed. I also reviewed alleged collection is shown as a charge of with a reporting open balance of {$1400.00} to which by law of FDCPA is a direct violation. Below are details of alleged collection item for review. 

creditor : XXXX-XXXX  XXXX  ( Original Creditor : XXXX XXXX MISSOURI ) Account Number : XXXX Also, this account also is listed with a hospital to whom I have no knowledge of given anyone permissable purpose to review any medical documents if any under federal law of HIPPA XXXX Please delete account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am not requesting verification of debt. I am clearly requesting validation of the debt. This is my third year attempting to have these accounts reasonably investigated in accordance with both the XXXX and also the XXXX 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX These accounts are not showing the company but were matched to another dispute and were reinserted back on my credit report without me being notified about the reinsertion. 
XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Property was sold and closing occurred on XX/XX/2020. Final Payment of loan balance was paid to PennyMac on XX/XX/2020. PennyMac has not issued a check for a refund of escrow account. I have contacted PennyMac customer service 3 times, and in all occasions I was informed that a check would be sent on that same day ( meaning previous phone calls never triggered a check to be sent out ). 
I have run out of options.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I would like the CFPB to look into the reporting practices of Experian. It is impossible for agency or reporting to have my ssn because I have it locked with the social security administration. So the only way someone can access my number is with a pin number that was issued to me by the XXXX. So how can Experian provide anyone with this information? There are two accounts on my report and I have a lock on my ssn. This is damaging my financial character, ( defamation ), a violation of my private rights, experian has interferred with interstate commerce, and have stop my right to liberty. Also does Experian have a license to report credit in the state of California.

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