BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-27
Company: Experian Information Solutions Inc.
State: NC
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 submitted a request 3 times on this account to verify the information. I asked that information be sent to me and i have not received a response from this creditor. I sent the first request in XX/XX/XXXX, then again in XX/XX/XXXX and the most recent request was XX/XX/XXXX. I dont receive any response but it keeps updating to my credit on XXXX XXXX XXXX and Experian, as a charged off account. Since the account is charged off, by law, the lender must file Form 1099-C and send me a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1 ( IRS 2021 publication ). The following creditors are showing as charged off and I have not received any responses and the charged off balances are more than {$600.00}. I am requesting to have this removed from all credit reporting agencies immediately. 

XXXX XXXX XXXX Charged OFF Date XX/XX/XXXX Balance {$2000.00} XXXX Charged OFF Date XX/XX/XXXX Balance {$610.00}

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 2023-05-27
Company: Experian Information Solutions Inc.
State: PA
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:
showings late payments when there's no late payments

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 2023-03-18
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no relationship with this company and did not authorize this inquiry.

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 2023-02-01
Company: CBC Companies, Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
As of last year 2022 I've have requested to have a security freeze to be placed on my personnel credit report countless of times and I'm always met letter asking for ID verification and proof address etc. I have submitted these documents twice already and still nothing has been done due to the fact I didn't receive no pin number of letter stating it's been placed a security freeze placement. I have sent these documents already since I'm always asked for these items constantly as stall tactic. These tactics are refusal to comply with my rights as a consumer of Identity theft. I want a security freeze placed on my credit profile and don't not consent to have my information shared.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 under the XXXX forbearance plan and XXXX XXXX reported my account XXXX as delinquent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to the credit bureaus. This account was paid in full in XX/XX/XXXX. Also they have me confused with someone else from the letter that is dated XX/XX/XXXX that XXXX XXXX sent to me. ( See Attached ).

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 2021-05-09
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal close my account for not reason and them will not help me with Getting it back up and going. Every time when I try to withdraw my money from my account PayPal hold my access. 
They just made all difficult for me. My account was already verified with all my personal information and I never made any mistake. 
I never had dispute or charge in my account. I do not know what the problem with PayPal is, but many Users have same problem, and the only answer of PayPal is said was Fraud activity. 
IF PayPal just hold money for everybody, I Guess PayPal must fix the problem. 

my account is associate with the email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
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 XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: KEYCORP
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, after receiving an email from the direct bank XXXX XXXX indicating that a linked external account was available for transfers to and from a XXXX XXXX XXXX XXXX XXXX XXXX Account, ( which itself happened after all the usual verification hoop jumping ) I initiated a transfer of {$450.00} from that account to the new XXXX XXXX XXXX, to start the XXXX. The account the money was transferred from records the transfer as actually occurring on XX/XX/XXXX. I became aware of the account lock-out after trying to log into the XXXX XXXX account on XX/XX/XXXX to confirm the transfer and XXXX XXXX did not inform me of the lock-out by call or text or email. I was given only vague information when I called the number XXXX XXXX provided, but was told that most holds/lockouts are resolved within ten business days. 
On XX/XX/XXXX, I received a letter from KeyBank ( the parent company of XXXX XXXX ) saying that a hold was initiated on XX/XX/XXXX and that " the account hold is typically resolved within XXXX days. '' The letter provides three possible reasons for why the hold was placed. The first two involve me reporting fraudulent activity and are not applicable. The third reason is " KeyBank detected suspicious activity related to your deposit account or online banking profile ''. The timing of the hold implies that the " suspicious activity '' is the transfer I made after being told by XXXX XXXX that I could make transfers. 
On XX/XX/XXXX, I sent an email to XXXX XXXX offering to verify my identity however they preferred and answer any questions they had, and that if they would not do this, then I wanted my money returned. I received a vague, unhelpful response the next day. 
As of at least thirteen business days after being told the issues was likely to be resolved within ten days, the money has not been returned despite my request, I have no access to my account, and as I have no firm information about when I will have access to the account, and as I was not clearly told in the process of opening the account that I would have no access to the account, ( if I was told I would have no access, I would not have opened the account ) I consider the money stolen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 disputed the late payment status reported on the accounts XXXX XXXX  XXXX, XXXX XXXX, with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not reverse the late payments. I was not late on the month it shows on the report, I have receipts to prove this. CFPB please step up and fix this ASAP please

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 2023-06-29
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to the death of my father the borrower from XXXX he was unable to meet his obligations to the mortgage company. We have tried relentlessly to resolve any issues with the lender. The extreme amount of stress has been overwhelming for myself and my family. Probate took a very prolonged period of time and when finally completed the lender set to auction our home without letting us explore any resolutions to retain our home. When we were given the opportunity due to the DOB delaying the sale we got everything together and began working with a HUD counselor. From XXXX XXXX it has been a complete nightmare. 
I have sent in all required documentation that has been requested on multiple dates through email, fax and with a HUD counselor. 
I am continually told they Dont have all documentation requested, I have evidence to the fact that they in fact do. 
A complete modification package was sent on XX/XX/2023 they have not even reviewed it. Carrington did receive it and it was confirmed. They plan to Auction our home on XXXX XXXX On every day this week starting Monday XX/XX/2023 I was told by representatives that they will escalate this to a supervisor and call back, send documents again and again Fax-email but then they tell me the case is closed. 
No one has an answer or updates just that there sorry it will have to be escalated to a supervisor. 
There are 5 of us in the home and we have been trying to resolve this but are getting no where and Carrington Mortgage refuses to work with us, we just keep getting fed a line. 
All we want is to resolve this and move forward. 
We would like very much to remain in our home and work with the lender but it seems hopeless as the right and left hands do not seem to be working with this company. Today I was told send documents again? If they are not willing to postpone the Auction and give us a fair review for modification, its confusing to have a representative say send them again. She will escalate to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I.Q.Data International have put the debt falsly, first they put this on my husbands account that c we did jot pay the rent at XXXX XXXX, my husband filed the complaint through cfbp and they already agreed that they will remove it because their client have no documentation to back their claim, now they put it on my credit report. This is a fslse claim, a fraud to destroy someone's credibility, we were about to buy a house and everything destroyed, no one wants to give us an apartment for rent because pf this fraudulent charges from I.Q. Data. We will be homeless because these corrupt companies are filing fraudulent debt. We do not owe any money to any apartment. We completed our lease and left on time, not a day more than our lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/2022, I received and alert that I had a hard inquiry credit pull from XXXX XXXX XXXX XXXX. I did not authorize this. This inquiry was done on all XXXX of my bureaus, XXXX, Equifax, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX  XXXX Company Inquiry : 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 2023-02-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
In XXXX, I sent out a bill payment to XXXX XXXX XXXX but they company moved and I was not aware of the the moving so the paper check was mailed and stolen. I filed a claim at my bank which is chase and they helped me return my money but later took back the funds. I asked why they took back the money and they helped me file another claim. They told me it would take up to 120 days so I waited patiently. It is now XXXX which is beyond the 120 days and they tell me it is at the mercy of XXXX XXXX XXXX. XXXX XXXX XXXX  is not responding to Chase 's messages to retrieve the funds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: Experian Information Solutions Inc.
State: TX
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: MIDFIRST BANK
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hello. 

I have XXXX XXXX. I also on XXXX XXXX XXXX opened a Monifi ( online checking account by midfirst bank ) On XX/XX/XXXX thru my monifi app I transferred XXXX from my XXXX XXXX to my Monifi. Before I got my monifi debit card in the mail Monifi suddenly closed my account " business reasons '' is all they would tell me. ( officially closed XXXX.They still to this day refuse to give me my money back. They say XXXX XXXX has to ask them for the money back. Finally I got thru to somebody in the claims dept who took the time ( 2 hours on the phone w her ) she researched the bank asked me questions to figure it out, very thorough. This was not a fraud claim, i know it and so does XXXX XXXX, that was the department i had to go through they said. So she filed a claim to get it back. XXXX XXXX then put XXXX back into my account along with sending me a letter stating I was in the right and case closed. Now months later on XX/XX/XXXX XXXX XXXX takes XXXX out of my account leaving me overdrawn XXXX. First excuse was that i had account before i opened this one and i was negative XXXX so they took it. A lie. Second excuse is that whoever did my claim did it wrong. Now they say that because it wasnt a fraud claim they decided to take it back. They knew from the beginning it wasnt a fraud claim. 
All I needed them to do was to pick up the phone call Monifi and give the ok for them to give me my money back. They responded like i was asking them to call me a taxi to tKe me to the XXXX house in outer space so I could walk my dog XXXX!! I am well aware that the law states when a bank closes your account for any reason they have to give you your money back. I dont owe monifi anything. Still they refuse. Along with telling me XXXX XXXX never filed a claim for anything. Now any deposits coming in or auto pay bills they are taking and not paying. This was all the money i have in the world. They are steLing from me, both banks, i feel like because who am I? What am I gon na do. I hope this makes sense Thank you 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 2023-08-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I called and spoke with XXXX today then another agent checking on the status of my claim- - I received this code after filling out this form online on XX/XX/23 - # XXXX which they could not find in the system? I was told the Head of the Mailroom received the letter I sent in the mail on XX/XX/23 but he did nothing with my question or letter WHY? You could find my name but no complaint??? 

I was in my Experian file and inserted my NEW INCOME at my job of {$95000.00} and my social security of {$1500.00} a month an additional {$18000.00}.. My debt to income ratio went from 34 % to 19 %!! THIS IS A HUGE DIFFERENCE when it comes to qualifying for credit or rates offered. In buying a home it could be thousands of dollars!! In the past I have been denied credit because of my CREDIT SCORE or I GET OFFERS FOR CREDIT CARDS AT 29 % +... 

I sent an online email to Experian and was told that they DO NOT UPDATE income and they us a national base of $ XXXX NOT MY ACTUAL INCOME... THIS IS SO WRONG ..I AM BEING MANIUPALATED BY THIS CREDIT REPORTING AGENCY!! 

MY QUESTIONS.. Is this A STANDARD PROTOCOL FOR all credit agencies- XXXX XXXX XXXX as well. ..What can you do as a Consumer Credit agency to help me get resolve in this issue? 

TO BE CLEAR.. I want to file a COMPLAINT ON ALL THREE CREDIT AGENCIES- EXPERIAN, XXXX AND XXXX.. 

I want to receive in writing what their policy is on reporting REAL INCOME ( verifiable ) vs. the model or $ $ they use when doing credit ratings.. .ANY OTHER INFORMATION YOU CAN FIND WOULD BE APPRECIATED AS WELL....

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 2023-02-01
Company: JPMORGAN CHASE & CO.
State: MI
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:
I am a victim of identity theft I notified the company of the fraudulent activity previously and nothing has been removed from my credit report I made a police report stating that any and all accounts opens before XX/XX/22 is not mine and I have no knowledge of opening

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
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 XXXX Account # XXXX, has violated my rights. 

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

16 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: Westlake Services, LLC
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:
According to my credit report, I owe XXXX XXXX XXXX over {$17000.00} for a vehicle but I dont even have a drivers license. I am not sure how I can finance and own a vehicle without a Drivers License. I believe I have had identity theft.

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