BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
When will CFPB actually start protecting consumers from these unethical credit reporting agencies? 

Experian recently decreased my credit rating by XXXX  points. Today Experian again decreased my credit rating. Why doesn't Experian have to inform me of the reason for these changes? 

1. I have NO late payments, NO judgements, No bankruptcies.

2. I have NO new credit inquires.

3. I have ONE mortgage which has always been paid on time.

4. I use ONE credit card which has always paid off in full each month.

5. I have one back-up credit card which also always has a XXXX  balance.

6. My " debt to income '' ratio has actually decreased as my mortgage balance has decreased and my income has increased.

There are NO visible changes to my credit report but Experian continues to decrease my credit rating.

How am I, or any consumer, supposed to maintain a good credit rating when Experian makes changes with no apparent reason nor does Experian provide any explanation.

As consumers, we have no choice - files are open with the three credit rating agencies and we have very little control over these files. They sometimes have incorrect information which we, the consumers, are expected to correct while the credit reporting agencies are never held accountable for their mistakes. They seem more interested in marketing new " features '', scaring the consumer into buying unnecessary services. Tell me what the difference is between Experian 's " Credit Lock '' and the " Freeze '' that I already have on my account! 

We need strong laws regulating the credit reporting agencies and a better CFPB that will actually do something other than merely submitting our complaints to these agencies.

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 2020-08-18
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Approximately between XXXX XXXX, I contacted PayPal through its fully controlled communications system. Therefore an exact date is unavailable on my end. When the initial email was made to PayPal a response was made, but to my surprise, they are automatically destroyed and can not retrieve any information. Further, what I recollect from the email response was for me to contact PayPal via phone. Which was done on or approximately XXXX XXXX? 

Contacting them only led to long automated responses and ending with " Paypal is not available at this time, please try your call again later ''. 

Today the XXXX, XXXX I attempted to retrieve my account, of which the original emailed expressed that I no longer had my old cell phone number, therefore I could no longer retrieve my account. On XXXX XXXX, at approximately XXXX hrs, I attempted to submit another support communication ticket regarding the issue. But after writing down an extensive explanation of my problem, their portal caused an error of some sort. This has caused frustration and lost time and XXXX   inaccurate information to retrieve accounts in industry-standard form has created further delays and problems. I'm only looking to access my account without further delay or automated problems that fur4ther cause delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: NJ
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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 notified XXXX XXXX XXXX XXXX about three accounts that is currently reporting inaccurately on my consumer credit file. XXXX took more then 30 days to investigate and i still haven't received any responses as to my dispute under the FCRA.

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 2022-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. After that I sent you the attached letter and I never got a sufficient response. Unfortunately, credit bureaus often use software that does not complete thorough investigations.I am disputing the following information directly with you, the furnisher of information, and I am requesting that you send me all papework you have on this account so i can review the accuracy of your reporting. You are a financial institution identified in 15 U.S. Code 1681a ( t ) Financial Institution.The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer. For the record I do know and understand by law, who you are and who I am. 
1. I would like to see your GAAP ( general acceptance accountability principles ) which is your paper trail from where/when it came directly from your account. 
2. I also want to know who is the original creditor?

3. I am also requesting the Individual Masterfile ( IMF ) pursuant to 15 USC 1681G this should contain every payment I ever made, the original wet signature contract, not a copy or printouts, it should also contain info on where you got it, how you got it, and when it was stored. If dont get this its a violation 4. Also I do not recall you CLEARLY and CONSPICUOUSLY disclosing to me the CONSUMER my right to opt out according to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Over 45 days ago, 56 to be exact, I notified the credit bureaus of inaccurate items on my credit report and asked them to verify the items they claim to have verified. This process has been very stressful due to the fact they never reply in a timely manner. I feel like I am being taken advantage of and feel as if I need to take this matter to court. I need help with these problems and stress they are putting on my personal life.

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 2017-03-30
Company: Nudge Funding, LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
This complaint arises out of a loan application from XXXX ( NMLS # XXXX ). The complaint is : ( 1 ) improper statement during an initial phone conversation about available rates and the ability to change interest rate after lock-in ; ( 2 ) failure to correct loan disclosures and other documents ( e.g. loan application ) when asked several times ; ( 3 ) failing to stop sending e-mails asking to sign loan disclosures after loan application was cancelled ; and ( 4 ) continuing to inform me that I had to sign improper documents. 

On or about XX/XX/2017, I was shopping online for a mortgage quote. After speaking with XXXX XXXX ( NMLS # XXXX ) at XXXX about the mortgage rates, I questioned him about a {$450.00} " lock-in '' cancellation fee. He indicated that that fee had only been charged one time in 8 years and that it only related to if the loan details substantially changed. I specifically asked about whether the interest rate can be changed after the lock-in and he stated that it could change. Once I received the initial disclosures, application, and other documents ( the " Documents '' ), I noticed a errors in the Documents. XXXX stated they would fix the errors but told me that I would have to sign the existing Documents and they could n't generate new ones. On XX/XX/2017, I spoke with a supervisor about the issues with the Documents, that the amount quoted online was different, and that the interest rate was now lower. I requested all of these items to be changed. The supervisor informed me that it does n't matter if the Documents were incorrect I was just signing that I acknowledged they were received. However, the Documents included much more than what was indicated on the phone including without limitation the actual loan application, request for tax transcript, etc. In addition, despite the original conversation with XXXX that I would be able to change the interest terms, XXXX XXXX XXXX failed to honor its original obligations to lower the interest rate. I informed them I no longer wanted to do business with XXXX. I received an e-mail stating the loan application was cancelled. Thereafter, every day I kept receiving e-mails from XXXX asking me to sign the Documents. On XX/XX/2017, I e-mailed XXXX asking him to stop the automatic e-mails. He responded by stating : " Unfortunately the only way to get rid of those daily reminders is to sign. The reason is the government requires that we keep a record of the disclosures, therefore we can not delete them. As well as a record of the borrower acknowledging they received them. '' XXXX failed to let me know that I could select " decline to sign '' on the application.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: WELLS FARGO & COMPANY
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Wells Fargo XXXX, VA XXXX ... ..This bank needs to be investigated for fraudulent activity on customers accounts. They convinced customers to open their accounts and they were guaranteed all of these benefits, only not to explain they were being charged outrageous monthly fees. They were also holding money on customers accounts, so they would produce overdraft fees, they would wait and have debit usage come out days later ... ..investigate these crooks!

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 2017-04-01
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX XXXX XXXX ( account # XXXX ) claims I owe them {$160.00} and XXXX XXXX XXXX either sold the debt or contracted with Diversified Consultants XXXX XXXX XXXX, XXXX, FL XXXX to collect such amount. I believe I paid XXXX XXXX XXXX in full and I know I returned all their equipment. Therefore, on XX/XX/XXXX 2017, I disputed and requested a verification of debt via certified mail. Never received such verification or why do they believe I owe them any money. However, Diversified Consultants keeps on listing this collection action in my credit reports. I have copies of my letter, certified mail, and proof of delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
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:
Box 1 : ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Affirm Holdings, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Two loans were taken out in my name for trips to XXXX that I didn't authorize. The trips are through XXXX and not in my name even though the loan with Affirm is in my name. 
XXXX says that the trips are non-refundable and Affirm is requiring me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance Owed : {$140000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXX Balance Owed : {$7100.00} XXXX XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX  XXXX XXXX Balance Owed : {$140000.00} XXXX XXXX Balance Owed : {$0.00} DPT ED/XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXX Balance Owed : {$7100.00}.

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 2015-04-07
Company: Pinnacle Asset Management, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recieved a phone call from PAM, LLC while I was at work. When I called them back the woman whom I spoke with said that I took out a XXXX $ loan in XXXX and never paid it back. Further more she accused me of closing my bank account so money could not be taken out as payment. I told her that I did not do any of that. I looked into a loan but never took XXXX out. She go angry and trie to proove her self by telling me my Social Security Number, Email Address and Phone number. She said I could pay her over the phone or meet to try and avoid the corts. I told her I wanted proof so she e-mailed me a colection notice. 
After two days of recieving the e-mail I recieved another phone call by this time I had recieved all bank statments as well as confermed with my bank that I have had a open bank account seince XXXX. I said I would meet too look at any real evidence but I would not pay by phone. She got angry and said that they do not meet and that because I am not going to pay that this will go to the next level of action.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I'm emailing you a summary of the actions and proof given to Bank of America prepaid services pertaining to my fraud case. Bank of America states that their cards are covered by Fraud protection. 

I contacted Bank of America prepaid services about multiple transactions made on my unemployment prepaid card. They said that they would open a dispute claim for me. I have replied to all of their requests to me in a timely manner. 

{$3600.00} was fraudulently taken from my Prepaid account. 

XX/XX/XXXX {$800.00} XX/XX/XXXX {$800.00} XX/XX/XXXX {$1.00} XX/XX/XXXX {$800.00} XX/XX/XXXX {$800.00} XX/XX/XXXX {$0.00} XX/XX/XXXX {$440.00} On XX/XX/2021 I sent a letter and documents to Bank of America prepaid card operations. This contained all of the material they had requested from me. I will include such documents in this email as well.

A dispute letter stating that the money withdrawn from my EDD Bank of America account was done fraudulently and that I expect this to be remedied and to be credited the money owed me. 

A copy of my drivers license and also a recently taken passport photo. 

A list of the fraudulent transactions and time stamped proof from my employer as to dates and times it was impossible for me to be at the locations where these ATM transactions occurred. 

XXXX XXXX Sheriff Department case information. Case # and contact information. 

I have called them 18 times over a span of 8 months. A log of all of these phone calls is attached to this email. 

I've been denied multiple times and have filed multiple complaints to no avail. 

I have been given false information and felt dragged along unfairly through this process. Im now contacting you because I have been told that you may be able to help me resolve this case. I have been informed that Bank of America prepaid card services may be in Breach of Regulations.

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 2021-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Since our loan was sold back in 2019 and since changed Servicers twice, we have had consistent score changes and ongoing " Remarks Added '' which also affects the scoring. 
Both Servicers I've been fighting in the 23 month period to properly report payment history and in one case remove excessive balance amounts. This has been an 23 month pursuit that has yet to yield TRUTHFUL reporting.

More recently Transunion has entered the huge score drop that in most cases the my score drops more than 100 points and for not valid reason, considering there are no negatives accounts or missed or late payments. Fact is the only flaws on my credit report is what two mortgage Servicers has reported and refuse to correct. Now in the past month, Transunion has been doing the huge score drop and but they have restored it once. But like clock work, it seems that if I either apply for refinancing or maybe they think I have my score takes a huge drop. Sometimes they even attach the drop to one of my other accounts that has never shown a negative or missed payment, so we know any small change like the account being added, which usually increases the score because I have a very few account on record. This is interesting especially being told that the credit bureaus are allowing third or other parties access to consumer credit reports. And explains why in our near 40 year mortgage history, the last 23 months has produced these problems. We've never had problems with the credit bureaus before the loan sold back in 2019.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I went into a local bank of America financial institution and withdrew money from my checking account which was given in the form of 3 checks. I have a customer withdrawal images from that transaction with a total charge of {$110000.00} and a list of the three check numbers whose combined total was to equal the total charge. I realized I was missing money from m to account and reviewed my documents and matched check amounts to the 3 check numbers which totaled {$81000.00} not the {$110000.00} my account was charged. Financial institutions confirm the records show the bank error but claim they can not file dispute s and instructed me to call customer service. Customer service has had me file claims in every dept from fraud to risk Management all of which at the end of 60 days are denied with reason being filed with wrong dept. Today bank of America customer told me to go in to a financial institution to file a dispute because it was bank teller error. I drive two hours to the nearest location where I was told they do not file disputes. It is now XX/XX/XXXXXXXX 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