BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-07
Company: Experian Information Solutions 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:
on XX/XX/23 I sent a letter regarding inaccurate information. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year, I have sent disputes and have made a complaint with the federal trade commission and better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed asap I will not wait another 50 days to receive any response because clearly, they are ignoring me.

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 2023-07-28
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Caller spoofed Wells Fargo Customer Service number. They pretended to be wells fargo saying there was some unusual activity on my account and they wanted to confirm I approved the transfer of money to XXXX XXXX in texas. I said no and through a series of questions you would typically get through a bank, they said I needed to open a new account and gave me the new account number ( fake ). They said the supervisor would make sure the money was transferred to the account and could I wire the money over to him so he could assure deposit into my account.. Turns out all a scam and the money went to a XXXX account XXXX XXXX. Turns out when I called Wells Fargo they opened an investigation and determine this occurrence didn't meet their criteria for funds reimbursement and XXXX said the money was gone. I am not the only one falling for this scam per both the media and the XXXX XXXX agency.. My feeling is Wells Fargo failed to protect their clients by not notifying them of this particular scheme. This is a breach of trust. 
Wells Fargo claim number # 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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block any accounts which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following accounts that you must remove are listed below : 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 2023-05-16
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Ive had a PayPal account for over 25 years. On XX/XX/2023, my friend sent me {$1100.00} to my PayPal account to pay for travel expenses. After the money arrived in my PayPal account, I tried to transfer it to my bank account. On my end PayPal said everything is good. I got confirmation email, etc. 
On XX/XX/XXXX, XXXX days after the money hit my bank account, PayPal took XXXX cents out of my bank account to verify my bank account. No problem. I thought it was strange they did this because they take money out of my bank account when I pay people using PayPal. Then they deposited the {$1100.00} into my bank account, took the money back telling me my bank account wasnt valid. This is impossible! They verified my account on XX/XX/XXXX, taking XXXX cents out of my bank account and then told me my bank account had been disabled. PayPal disabled my bank account so they could keep my money in their interest-bearing account longer. 
On XX/XX/2023, I called PayPal. Calling them is extremely hard from another country. They are only open Monday Friday XXXX. I am in XXXX traveling. Finally, I talked to a supervisor. She told me that my bank account had been disabled by PayPal and that she was able to reinstate my bank account. She could not give me a reason for my account to be frozen. I tried again to transfer my money out of PayPal into my bank account. The E-mail said everything was a go, and once again PayPal disabled my account, keeping the money at PayPal. They had my money for over a month! I want my interest! 
Now, I must pay someone from the PayPal account, and I was able to transfer money to someone else. But I have {$30.00} in the account that XXXX cant move. How much money is PayPal making by lying about disabled accounts? This is a total scam. PayPal needs to be under investigation. When trying to transfer money they only give you choices that benefit PayPal. Like using their credit cards or your PayPal account. 
Their app and web site make it hard to understand which button to click to transfer money out. Im a computer person and there is no way for someone who is older and cant understand computers to know which button to click where. They dont give you options to use your PayPal balance, instead they want you to use their PayPal credit card, so they make money on the interest. Which they are promoting like crazy. THIS IS A SCAM! Test this out yourself. They dont give you options to transfer money out, but rather use their credit card. 
You can not talk to a live person unless youre in their time zone and then you get a foreign person who has no authority to do anything. Id like to sue PayPal for the grief theyve caused me while visiting another country.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: EQUIFAX, INC.
State: MD
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 contacted each bureau by certified mail to have proof of verified debt. I ahve not received any response back verifying the debt belongs to me. Here are the items : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX ( 5 accounts )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody 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 explanation
Consumer complaint received 2023-02-05
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:
XXXX XXXX XXXX XXXX Account # XXXX Date Opened XXXX XXXX, 2022 High Balance {$59.00} Unpaid Balance {$59.00} Placed for collections In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXXaccount # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A .states I have rights 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 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 2022-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A card was opened in my name when I was XXXX XXXX XXXX and the person how did it listed my birthday as XXXX I dont know how it was approve to be completely honest. But I have been attempting to get it removed for 10+ years now its destroyed my credit and Im being denied cards because of it. I Believe it had a XXXX dollar limit and was charged for XXXX i dont know who opened it but they used my childhood address.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I refinanced my mortgage with Nationstar XXXX 2015. At the time of refinancing I had {$1700.00} in my escrow account and they only gave me credit for {$870.00}. I asked the closing attorney ( which they supplied ) and he said they would probably send a check. I just received a bill from the for {$300.00} because of an escrow shortage. I called and spoke with XXXX and she says that that money was applied to something else however she could not tell me what. But that my escrow showed an overage and if they sent it to me i would just have to send it back to them. I asked her was it even legal to just disperse my escrow money as they saw fit. I have called several time and left voicemail messages for her ( XXXX XXXX XXXX ) but she will not return my call. So I have {$870.00} floating around somewhere. I was not told it would be used for closing cost as I was under the impression that I did n't have any.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XX/XX/2022, I applied for a XXXX Line of credit for the amount of {$100000.00} ( application reference number XXXX ). On XX/XX/2022 I received an email saying my " Wells Fargo XXXX line of credit has been conditionally approved " and was awaiting my completion of a Certification Regarding XXXX XXXX XXXX XXXX XXXX XXXX form. I completed the form and received no correspondence from Wells Fargo until I called on XX/XX/2022 and find out that a Line of Credit was approved and opened in the amount of {$10000.00}. I was never presented a counter offer to what I applied for, nor was I presented a final term document to approve. I was given no information of the final terms of the line of credit, including interest rates and other terms. How can a bank open a line of credit, affecting my credit score, without my authorization of final terms and amounts?

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 2023-02-23
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX, account # XXXX, XXXX XXXX, account # XXXXXXXX XXXX XXXX, account # XXXX, XXXX XXXX XXXX XXXX, account # XXXX, and XXXX, account # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: LEXISNEXIS
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:
I have reached out to the credit bureaus and all the third-party reporting agencies with and disputes. After multiple attempts to have them to do and investigation to remove these incorrect data, accounts, inquiries, bankruptcy etc. I provided all the supporting documents to show for removal. But they refused to do and proper investigation but instead keep saying that they verified the information with the court and creditors. I'm requesting immediate removal. If not by the Law the in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 this account 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 listed account need to investigate and corrected for erroneous reporting in my file are listed on my credit report. XXXX XXXX  XXXX XXXX Balance : {$15000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: VW Credit
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 

VW CREDIT XXXXXXXX {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This account Portfolio Recovery is trying to collect is from 2015 or later. The amount is incorrect as well as the dates on my credit report. I have disputed this collections multiple times with no resolution. All I ask is the the dates on the original debt be corrected. Portfolio Recovery continues to change the dates multiple times over the years and sending me notifications by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

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 2016-03-12
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I was approved for a loan modification with Nationstar Mortgage in XX/XX/XXXX, but it was an adjustable interest only rate of 3.0 % and it will end in XXXX XXXX. I will not be able to afford the mortgage once it doubles next year. I applied for a loan modification for a new fixed rate for 30 years but was denied because Nationstar Mortgage already gave me this terrible modification and said that my application resulted in a negative NPV ( Net Present Value ). I used the government website, XXXX and it says that I have a positive NPV and easily qualify for a loan modification. I just want to be approved for a fixed 30 year interest rate that will no go up so I can keep my family in our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXXRecently checked my Experian credit profile and realized they had 3 different names and incorrect address. That I viewed Experians website. I called into Experian to have inaccurate information removed. I couple hours later I received a email stating that the information was updated and not removed. This is a clear violation of the fair credit report act. By Experian reporting incorrect information unaccarute information. Which is causing lenders to deny me of lines of credit and personal loans. Attached to this complaint is a screen shot of the innacurate information that I pulled from experian website. And needs to be immediately removed. Also attached is my documents of my identification

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 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX  IS CONTINUOUSLY REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT FILE. THIS ACCOUNT IS NOT MINE AND IS A RESULT OF IDENTITY THEFT. I HAVE BEEN IN CONSISTENT COMMUNICATION WITH XXXX XXXX. 
XXXX XXXX  ONCE AGREED TO REMOVE THE LISTING FROM MY CREDIT FILE AND CEASE ALL COLLECTION ACTIVITY. AFTER SUBMITTING MY DISPUTE, ATTACHED WITH A LETTER FROM XXXX STATING SUCH, XXXX XXXX  HAS YET TO REMOVE THIS ACCOUNT OR FORWARD ANY OF THE INFORMATION ALLEGEDLY OBTAINED XXXX ITS INVESTIGATION. THIS IS NOT MY ACCOUNT AND IT NEEDS TO BE REMOVED IMMEDIATELY. 
I SUBMITTED A DISPUTE AND REQUEST FOR INFORMATION FROM XXXX XXXX AND ITS BEEN OVER 30 DAYS. THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT FILE IMMEDIATELY.

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 2020-01-16
Company: Southwest Credit Systems, L.P.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm in the process of trying to repair my credit and I came across this account which isn't mine. So I sent in a letter for validation as the begin process of cleaning up my file. I'm disputing and that was back in XXXX of 2019. I recieved no response back. Attached is a copy of the validation letter I sent. This account is not mine and I need proof : original copy of contract, signature and social, proof to collect in my state, Assignment clause, Notarized letter of debt purchase and signed contract from original creditor. As per the fair credit reporting act I'm within my rights to have this completed in a timely fashion.

Company response to consumer: Closed with explanation