BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-31
Company: Experian Information Solutions Inc.
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
To Whom it may concern, Since XXXX, XXXX 2023 I have been attempting to dispute some negative, inaccurate remarks on my credit file. 
In doing so I have adhered to all requirements that are required to open a dispute with XXXX. 
I have mailed this company dispute letters including three forms of ID verification also including the required address verification and yet this company has illegally refused to open investigations. I have attached the dispute letters that I have mailed to them, along with each form of ID, and I also have attached the bogus unlawful stall letter that this company has repeatedly sent to me twice with no valid merit in doing so as I have complied with all verification requirements. 

Even the credit repair company who drafted up my dispute letters have mailed this company " along with dispute letters '', a Credit Dispute Authorization Letter in which plainly identifies the company and clearly has my signature and Ip address on it which verifies my authorization for this company to dispute on my behalf. 

There is no legitimate reason for this company to reject my dispute letters. I also have attached screenshots directly from their website that clearly state their Identification requirements, and this proves that I followed correct protocol.

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 2023-03-31
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: Reporting company used your report improperly

Complaint:
I was denied a apartment based off of XXXX XXXX XXXX report stating that I have a landlord debt of {$370.00} when in fact the debt they are listing as a landlord debt is a cable company XXXX, XXXX XXXX XXXX reporting this information incorrectly is preventing me from obtaining a safe place to live, XXXX is providing this incorrect information to XXXX XXXX XXXX which is preventing me from getting a home.

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 2023-03-31
Company: EQUIFAX, 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:
This account is reporting late reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify from themselves, but they failed to neither verify nor update me about these complaints. Please update the late payments from this account. 
XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance Owed : {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions Inc.
State: GA
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 account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX has violated my rights. Or a 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 an 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 or 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 explanation
Consumer complaint received 2023-03-31
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My name is XXXX XXXX. I have tried for several months now to get Equifax to unfreeze my credit report. Equifax has yet to do so. Several companies are trying to report good accounts to Equifax but Equifax isn't allowing the information to be reported. I sent a copy of my drivers license and social security card and they asked for more information so I also sent the same documents multiple times along with a utility bill to verify my current address. Equifax will not even update my file and everytime i file a complaint all I get is the boilerplate response that my complaint is under investigation. Will someone PLEASE do something about what Equifax is doing. This is beyond ridiculous!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: EQUIFAX, INC.
State: GA
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 XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, Dept of Ed/XXXX Account XXXX XXXX XXXX Dept of EdXXXX Account # XXXX XXXX Dept of EdXXXX Account XXXX XXXX, Dept of EdXXXX Account XXXX XXXX XXXX Dept of Ed/XXXX Account XXXX XXXX XXXX Dept of Ed/XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX, Reference # 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 instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/2023 I applied for credit with KIA FINANCE and was denied. This is a violation of Equal Credit Opportunity Act which is codified in CFR Part 1002, also a Violation of U.S.C 1681m. This is proof fraudulent activity ( unauthorized use credit card 15 U.S.C 1602p. ) The car loan applied for was for a KIA XXXXXXXX XXXX fully loaded.

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 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is my second 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-31
Company: BANKMOBILE TECHNOLOGIES, INC
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
on XX/XX/2023 i contacted XXXX XXXX through customers bank because i noticed my account was overdrawn after my check just went in. after speaking to numerus found out there was a XXXX hold on my account. i informed them it was fraud and i did not authorize it. i asked if they could put a stop payment on it and they said no. i then asked for who the charge was from and they could not tell me any information minus it was a bank to bank charge. they tell me now i have to wait 1 to 2 buisness days for them to figure it out and find out who it is. i cant file a police report with out any information. they wont release back the funds.

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 2023-03-31
Company: Westlake Services, LLC
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Westlake Portfolio Management has been harassing an they have placed this on my credit report and XXXX XXXX XXXX u feel did a breach of contract with me an 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 explanation
Consumer complaint received 2023-04-01
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I called and spoke with a chime bank representative on Saturday XX/XX/XXXX to let them know that this transaction of {$140.00} is not authorized they gave me a dispute claim number of ( XXXX ) and told me that i would be receiving a credit refund back to my account on 10 days. I never did, they just stone walled me in to a denied claim. i feel chime bank never investigated any claim and mislead me so that i would not do anything about it. I have asked them that stealing my money outright is wrong. I feel that chime bank never disclose the real intention that they have for consumers, chime bank did me dirty... please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: Experian Information Solutions Inc.
State: NY
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:
on XXXX, and on XX/XX/2023 I disputed several negative items on my credit report with all 3 credit bureaus. I asked for proof of such late payments reporting on my credit report, and it has been well over the 30 days time frame, and I have yet to see any changes, or been provided with the requested information. 

XXXX XXXX XXXX account is reporting late payments XXXX is reporting late payments XXXX reporting late payments. 
Per 15 USC 6803 a ( 3 ) protecting the non public personal information of consumers. 
XXXX XXXX child support is reporting, which is a violation since I have never provided written consent.

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 2023-04-01
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: Account information incorrect

Complaint:
Obtained updated copy of my credit report on XX/XX/23 and found the following inconsistencies The " Date Opened '' is also inconsistent across all three bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies. 
The date of " Last Payment '' is also inconsistently reported across all three bureaus, This is also a violation. There is a " Balance '' amount listed that is higher than the actual " High Balance '' amount, which is a violation. If an account was previously a credit card, there MUST be a " High Balance '' listed.

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 2023-11-23
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Good morning, I was made aware of the charged for a router that were due by a collection agency over the phone in late XX/XX/2023. Initially, I figured it was a scam call until I received a letter. Very confused, because I was never initially contacted by XXXX  ( the company that owns the property ) I never thought it would be sent to a collection agency. 

The first call with CBE I told the receptionist I was not comfortable giving my bank account over the phone and needed a website, which had not been provided. After doing my own XXXX search, I found the account online. Still, unsure if this was indeed a scam because there is an option to agree to pay less on their site which struck me and I would imagine any reasonable person as odd, I waited. I received an alert through XXXX alerts of a change to my credit of a collection on XX/XX/XXXX and immediately paid the $ XXXX dollars. Mind you, no due date on the amount owed was never given to me, and was never seen on the CBE Group website. 

Based on these facts, and the small amount due, which was paid, I am requesting this collection be purged from my credit file as I see it as unfair practice by both XXXX  and CBE Group. 

Thank you. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my ninth 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 XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance - ; XXXX, XXXX XXXX Balance {$1300.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Balance {$8000.00} ; XXXX XXXX Inquiry : XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: EQUIFAX, INC.
State: LA
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:
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 personal information. 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
To Whom it May Concern : Card ending in XXXX Im disputing the charge Chase Travel charge of {$490.00} from a car rental cancellation charge from a XX/XX/XXXX booking. 

This car rental was CORRECTLY credited on XX/XX/XXXX and then immediately INCORRECTLY recharged on XX/XX/XXXX. I am disputing the XX/XX/XXXX charge to my account. 


I have called many times and asked for managers to resolve this issue with NO SUCCESS. 


The charge for {$490.00} on XX/XX/XXXX was for a car rental through Chase XXXX XXXX XXXX XXXX  XXXX ) the car was canceled and the credit was just recently processed XX/XX/XXXX and then incorrectly charged again on XX/XX/XXXX. 

There is a second CHASE TRAVEL charge on my account that I reported as fraud in the amount of {$490.00} this is a different charge and was reported as fraud. I did not approve this charge and was correctly credited from the fraud department. 

I AM AGAIN DISPUTING THE XX/XX/XXXX CHARGE OF {$490.00} THAT WAS INCORRECTLY CHARGED TO MY ACCOUNT DO NOT KEEP CONFUSING THIS CHARGE FOR THE {$490.00}! 

On XX/XX/XXXX I spoke to a manager " XXXX '' she said she would give me a {$50.00} credit for my weeks of frustration with the Disputes office and that she would have the back office credit my account in the amount of {$490.00} ( within 15 business days ). The next day I receive a letter from the disputes department saying my dispute is resolved in the amount of {$50.00}. This incorrect and absurd. I have called back to ask for a confirmation of the credit being processed with the back office using the claim # XXXX and each time the reps say its resolved and I have already been credited. They fail to review my account fully and see that I have been charged {$490.00} twice once in XX/XX/XXXX and another charge in XX/XX/XXXX and only credited ONCE. 

I would like this resolved immediately and I want to submit another complaint regarding the terrible customer service I have received, one representative hung the phone up or never came back to the line when I asked to speak to a manager. There have been weeks of calls and requests for documentation and the issue is still not resolved. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-24
Company: Paypal Holdings, Inc
State: TX
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 hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account, associated with the email address XXXX. I firmly believe that this limitation is the result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

As a long-standing PayPal user, I have consistently upheld PayPal 's terms and conditions. Maintaining a positive and trustworthy relationship with PayPal is paramount to me, and I am fully committed to resolving any issues or concerns that may have led to this unfortunate situation. 

I kindly request that PayPal conducts a thorough reevaluation of my case, carefully examining the circumstances surrounding the permanent limitation of my account. I am confident that such a review will reveal an error or misunderstanding. I am prepared to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also allow me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I greatly appreciate your prompt attention to this matter and kindly ask that you initiate the review process as soon as possible. If there are specific documents or details needed from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I eagerly await a swift resolution of this issue and the opportunity to resume using PayPal 's services. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My name is XXXX XXXX and my wife XXXX have had the worst customer experience with WellsFargo regarding our home mortgage. We are a family of five ( plus XXXX kids ) have been WellsFargo customers for over 23 years and feel powerless in the loan modification refi process, compounded with threatening letters asking us to move forward with selling our only home. Our history with WellsFargo has been stellar, keeping high balances and never missing a mortgage payment. Our banking situation was directly impacted during the pandemic as I became sick with XXXX early, well before the vaccine or any medicinally approved testing protocols. We were transparent with our bank with our financial situation as I was/am the primary provider. After getting gravely sick and recovering twice, it was time for us to resume regular scheduled payments. The representative assigned to us named XXXX XXXX was unavailable and hundreds of calls went unanswered as her voicemail was full. It put my family through two years of fear. Until WellsFargo gave us an ultimatum to pay the outstanding balance or leave the house. They have ignored two written letters explaining that they had previously approved a loan modification. Without any assistance or power, we sadly agreed to liquidate my 401K in order to pay the nearly {$90000.00} cash. That doesnt factor the 40 % hit we took due to early withdrawal. WellsFargo had single-handedly destroyed our security. I beg you to please assist us in holding this bank accountable and help us find a fair middle ground on our mortgage. Thank you.

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