BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-13
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
In XXXX, I had questions, and, requested copies of checks written in XXXX and XXXX, XXXX. They could not find the 2 checks i, and, my attorney subpoenaed, they did find a {$13000.00}, and a {$7500.00} cash withdraw, a week apart. I NEVER TOOK ANY CASH ADVANCES, ONLY CHECKS. The fraud department took a fUllman application, and, concluded it was too long ago ...? During this time, they offered a forbearance during the investigation time frame. They lied, Sent my rental property into foreclosure, didn't tell me until XX/XX/XXXX, a week after my tenant advised me of a foreclosure date, of XX/XX/XXXX, next Wednesday. I just wired them the {$4200.00} past due. I was given a court ordered, 30 day mediation time period. They received my modification /refi pkg. On XX/XX/XXXX. They claimed it was less than 38 days before the sale date, thus for, null and void. I relaxed the application on XX/XX/XXXX, because, losing/throwing applications in the trash, claiming that they never received it, is standard business policy for Wells Fargo. Retaliation for the recent fines put on them.

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 2021-01-23
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have been denied services and have been placed on a denied service list.Although I was a XXXX XXXX member and used services for years without incident. Today I could not receive funds. XX/XX/2021 I believe this is XXXX Profiling by western union.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite my previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

XXXX XXXX Date Opened : XX/XX/2022 Balance : {$15000.00} and XXXX XXXX Date Opened : XX/XX/2022 Balance : {$15000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: KY
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:
Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-11-06
Company: EQUIFAX, INC.
State: TX
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. 

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 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 2023-02-07
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2023, I mistakenly gave my debit card number to a spammer. I had called the XXXX # on the back of an XXXXXXXX XXXX card that was a few years old. I reported to XXXX that the number now goes to a spammer and they told me that I should have used the new card that came in the mail. They should make sure the old toll free number is not available for use by another entity. I reported it, but they did nothing to close down that number. As soon as I hung up the phone, I realized that the person was a scammer. I called Citibank and cancelled the debit card number and they sent me a new card. 
Same day as I gave out the original debit card number to a scammer, XX/XX/2023, and I reported it to the bank,, they paid the {$3.00} to the scammer, they claim using the new debit card number. It's not possible that the scammer had the new debit card number as I gave it to no one and I cancelled my old debit card as soon as I hung up from the call with the scammer. When I was still able to access my checking account via the Citibank XXXX, it showed the charge of {$3.00} as pending. The telephone agent said it was paid using the new debit card number. 

Now Citibank has cancelled my new debit card and claims to be sending me a XXXX  new one. 
I am trying to log on to my online account through the Citibank XXXX  and it shows an error when I enter my password. I am sure the password is correct. 
I am reporting XXXX for leaving an old toll free number available to others. 
I am also reporting that CITIBANK has frozen my online banking and they paid {$3.00} to a spammer using my new debit card number on the same day that I cancelled my old debit 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 explanation
Consumer complaint received 2020-07-28
Company: Paypal Holdings, Inc
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Pay Pal states there is a restriction on my account but has made no effort to help me reestablish this account. This is how swagbucks would pay me money on my surveys is through paypayl. I have not violated any of paypals privacy acts. I emailed the resolution center and got access to my account. 

Your account access is limited To view and resolve the limitations that have been applied on your account, you can visit the account limitations page. 

You can't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. 


Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. 


Reference ID : XXXX There has been no reason for this and I need help opening my account as there is a linked account and a deposit was made. I have a email stating account verified and ready for use. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD 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 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 If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true XXXX accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
There are XXXX hard inquires on my credit report. However, I was incarcerated during these times so I did not apply for any type of credit. I asked to dispute then and was told to contact the ftc.gov website. There were XXXX collections for services received during my incarceration as well. All XXXX XXXX are to be covered by the state. These should not be on my credit either. They removed one for {$61.00} but not the other.

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 2019-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was a victim of identity theft I have sent in documentation and they removed the item only to have it resubmitted on my report. Now I call the company XXXX XXXX and I stated that that was not my account I have never done business with them and don't even know who they are. Now here is the kicker they said I need to come into a branch!! I said exactly that's what should have happened from the beginning and the is no branch in Pennsylvania so how could I have ever opened an account with you??? where is the documentation or proof that I contracted into business with you EVER!!! so the fact they have zero proof I ever signed up to do business with them that in itself would not stand up in any court in the United States fact.! I need this permanently removed and them to stop causing harm to my creditworthiness

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 2022-12-29
Company: Experian Information Solutions Inc.
State: NV
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX Balance : {$16000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Bread Financial 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: Account status incorrect

Complaint:
Received a credit monitoring alert indicating that I had reached a settlement with a creditor. This is incorrect. I never agreed to any sort of settlement and my account is paid on time every month. This has negatively impacted my shore and creditworthiness

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
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:
The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX ; XXXX XXXX  XXXX ; XXXX XXXX ; XXXX, XXXX, L ; XXXX, XXXX, XXXX ; XXXX XXXX AV XXXX, CA XXXX ; XXXX B XXXX XXXX XXXX XXXX, CA XXXX; XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX  XXXX XXXX XXXX, WI XXXX ; XXXX XXXX LA XXXX XXXX LA XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX, CA XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$85.00} ; XXXX XXXX XXXX XXXX Owed XXXX {$19000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXL XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/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 2023-11-06
Company: EQUIFAX, INC.
State: FL
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:
I am a victim of identity theft. None of the items or transactions are related to any transactions completed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: RFNA, LP
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:
I am filing complaint as I found inaccurate information REPUBLIC FINANCE account. I tried to fix the issues by sending them a letter through the mail ; however, I was not satisfied with the results. The accounts were not verified. Inaccurate information, such as payment status, payment history, date opened, and date of late payments are still being reported. My rights were violated according to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. I have also attached the FTC report with the report number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/XXXX {$250.00} XXXX XXXX account years old was paid off and closed the bureau is refusing to take it off violating my consumer rights by posting it on my credit profile without my permission which has had a negative effect on my life, its making it hard for me to any kinds of credit cards etc XX/XX/XXXX {$500.00} account is years old was also paid off and closed out contacted the company was informed that I needed to contact the correct bureaus they weren't aware that it was showing XXXX my report I called experain and informed them and also let them know they were in violation of my privacy by posting on my credit profile and they are also in violation of U.S.15 XXXX {$170.00} I informed experian that I was a victim of identity theft and asked for proof of validation and also informed them they were in violation of my consumer rights by posting on my credit without my permission and due to this they had caused me severe hardship I have a tough time with getting cars a place to stay etc because of this is on my profile they are all in violation of FDCPA 807, misleading false reporting and more my next step will be to bring litigation against Experian if not removed all bureaus has also placed inquiries on my report without my permission or verifying also has inquiries on my reports that I do not know about as I have said I was a victim of identity theft all three bureaus are in violation of my rights and are breaking the law they need to be held accountable or go to jail for the laws they are breaking {$3700.00} XX/XX/XXXX account was paid off as soon as they took my car therefore I owe no debt and they are in violation of law 15 US code 1681a and also law FDCPA section 807 XXXX {$520.00} is in violation of my privacy that account was paid and closed off they are still showing it on my credit as late payments which has also affected me I get denied for things because they see what was posted on my profile my next step is litigation if not removed right away XX/XX/XXXX {$1400.00} I no longer owe any debt to that company when they sold my file I am not responsible for that debt and I informed experain they were in violation of my consumer rights for privacy and did not get my permission per law FDCPA 807 I asked the company to remove it all but they refused my next step is to file a suit for violating my consumer rights

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