BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-16
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
What happened was I received some direct deposits from the US government for my Covid 19 relief funds since my family was greatly affected by the pandemic. But immediately I received the money, PayPal limited my account. Telling me that Ive violated their terms. Since then I have tried to talk to them complain to them that this money is life changing and my family is going through crises and I need that money. They made things worse. They permanently limited the account telling me they can no longer support my account. I understood because I was told that I will receive an email in 180 days after in order to withdraw my money. I had patience and waited for 180 days and yes I received the email after that Covid hit me again I had to be quarantined it was only after I came back home I realized PayPal had sent me that email. So I logged back into the closed account to try to withdraw my money. I was never able to withdraw. I contacted them and the only thing PayPal could tell me was they will email me when its available for withdrawal I tried to explain to the customer support that hey look Ive already received that email and I still cant withdraw. They will just disregard my messages and at a point were not replying to my messages or calls. And now here I am still having over {$10000.00} in my account and I can not even withdraw the money from it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a signed contract nor any contract with I.C.Systems. I have never done business with this company. I am not liable for collection from this debt from I.C. Systems. I am not responsible for this debt with I.C. Systems. I demand request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, fault, or recalled consumer product, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claims as a loss with any insuring entity during the period it may have been payable. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint will be sent to you by certified mail with proof of delivery and will also become part of a formal complaint to the Better Business Bureau. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the trade line. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA. ( Hence this company is not licensed in the State of Florida to collect on ANY debt. )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I recently received a copy of my credit report and noticed an unauthorized inquiry on it. This has hurt my chances of applying for a new credit. I demand that you remove this inquiry immediately. 
XXXX XXXX XX/XX/2023

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 2023-03-16
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
When applying for a Wells Fargo home loan in 2015, I was delayed in the process and the loan advisor hindered me from being able to lock in to a lower percentage rate. Our closing date was also delayed. This loan was for my current address : XXXX XXXX XXXX, XXXX XXXX, SC 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 2021-07-22
Company: Aargon Agency, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Aargon Agency has put a debt collection on my credit report. I tried to find out why and couldn't get in contact with them a year ago so I thought it was a scammer. I tried to call them and didn't get a response and I have tried to contact them on the contact us homepage and no response.

How in the world does a company commit fraud and kill my credit score without me knowing why I owe 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 2023-09-12
Company: Experian Information Solutions Inc.
State: TX
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: Was not notified of investigation status or results

Complaint:
This letter is intended to address some issues with your organization 's credit summary. I reviewed them during the time I had and will go into more detail below. 

To understand what rights I have, I researched the Fair Credit Reporting Act ( FCRA ). I learned that the law mandates that all information be accurate. 


Please check my credit report and correct any errors in light of this. The FCRA states that I have the right to request a check and a fix if necessary. This is a matter of trust between you and your customers as well as a legal requirement.

Remember that it's forbidden to provide false information on credit reports. Credit reporting companies are required by law ( Section 1681e ( b ) of the Fair Credit Reporting Act ) to ensure that the individual 's information is as accurate as possible.

Last but not least, a prompt response to this matter would be appreciated. When a customer 's financial reliability is on the line, it is critical that your business abide by the FCRA. False information on a credit report should never be used as it may result in issues. I'm hoping you can fix this, thanks.

My trust in your company 's work will be restored if you respond right away, demonstrating that you respect customer 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 explanation
Consumer complaint received 2021-11-22
Company: EQUIFAX, INC.
State: TX
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/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This communication shall serve as my FIFTH REQUEST for the SOURCE DATA of EVERY ITEM listed in my LexisNexis Accurint Comprehensive Report and LexisNexis Accurint for Collections Contact and Locate Report. In your cover letters, you state " In order to correct inaccurate data, you must go back to that source to clear the official record. '' Seeing that roughly 85 % of the information contained in the reports is completely wrong, I need the source data to get working on it. I do not understand why this has been so difficult for you to complete my request. As of the date of this communication, I have received two copies of both Accurint reports with NO source data. And, the reports you have sent to me have the tops cut off so I can not see all information. Please provide the reports to me on appropriately sized paper so that I can clearly see ALL INFORMATION. Would you please take responsibility for this matter and see to it that I receive COMPLETE COPIES OF THE REPORTS and the SOURSE DATA for EVERY ITEM contained in the reports? For verification purposes, I have included a copy of my identification and social security card. Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 contacted the XXXX  and Transunion and requested they immediatly remove fraudulent, incorrect debt collection from my report that is in no way related to me, or my household. The debt is for a XXXX hospital I have never visited, and have no knowledge of. The debt is posted by XXXX from XXXX, California. I asked them to revove the informaiton immediately and they remove, then repost repeatedly. Please help 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 2021-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 XXXX  online system was hacked in approximately XX/XX/2018. My login information was changed, then my mailing address was changed and a new card requested in a different state. Subsequent charges were made by a thief. As soon as I became aware I notified XXXX XXXX. For the last two years I have fought XXXX XXXX XXXX, and the collection agency they turned me over to ( XXXX XXXX ) to correct this fraud requested copies of transactions and signatures, and disputed the reporting to my credit report. Now I am being sued for these charges. 
The hacking of their online systems has resulted in 2 years of identity theft issues where this same individual continues to take out accounts that I have to dispute using my 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 explanation
Consumer complaint received 2023-11-12
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: Old information reappears or never goes away

Complaint:
The account should have been deleted from XXXX, XXXX and TransUnion. It is still being reported

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 2023-08-21
Company: Rubin Lublin, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
want to settle this civil lawsuit with this organization case # XXXX XXXX XXXX XXXX XXXX see attachment create a fraudulent mortgage loan and now trying to create another one without my consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX  received information from their source, XXXX XXXX, stating they removed the bankruptcies from their XXXX XXXX report and XXXX  refuses to remove it from theirs. XXXX also stated, the obtained the information about my bankruptcies from the bankruptcy courts. I sent them the letter from the bankruptcy courts, stating, they do not verify bankruptcies. I have been sending XXXX  this information from the year 2020. I have uploaded you the documents from all sources.

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 2023-07-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to file an official complaint against Equifax for its failure to respond and take appropriate actions following my dispute letter. On XXXX XXXX I sent a letter to Equifax to address the inclusion of alleged school loans on my consumer file, which I firmly believe to be in clear violation of several federal laws, most notably the Fair Credit Reporting Act ( FCRA ). In my dispute letter, I specifically referenced the relevant federal statutes, such as 15 U.S. Code 1681, 15 U.S. Code 1681a ( 2 ) Exclusions, 20 USC 1232g ( b ) ( FERPA ), 5 U.S. Code 552a, and 12 CFR 1022.3, highlighting the necessity of obtaining written consent before reporting sensitive information on a consumer file. Despite providing compelling evidence and supporting documentation, I have not received any acknowledgment or indication that Equifax has initiated an investigation or taken any appropriate actions. As an informed and vigilant consumer, I firmly assert that credit reporting agencies must adhere unwaveringly to the highest standards of compliance with the law. The unauthorized inclusion of the alleged school loans on my consumer file infringes upon my privacy and consumer rights in a flagrant manner. I have diligently followed the proper dispute procedures, and Equifax 's lack of response raises serious concerns about its commitment to regulatory adherence. Therefore, I urgently request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter. It is imperative that Equifax be held accountable for its non-compliance with federal laws and that appropriate measures be taken to rectify this violation. I demand the immediate removal of the disputed information from my consumer file, and I expect Equifax to diligently abide by the FCRA and all other applicable laws to ensure the accuracy and fairness of my credit reporting. Enclosed, I am providing a copy of my original dispute letter and additional documentation which I believe will be instrumental in your investigation. I have full confidence that the Consumer Financial Protection Bureau will treat this complaint with the utmost seriousness and work diligently to protect consumer rights. I earnestly await a comprehensive and prompt response from the CFPB. Your attention to this critical matter is greatly appreciated. Thank you for your unwavering commitment to safeguarding the rights and interests of consumers like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: SYNCHRONY FINANCIAL
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call us all the time and now they are calling relatives that live thousands of miles away at work and harassing them. They can not call relatives unless they are trying to locate is which they have already. They have illegal collection tactics. They need to be kept on check.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I filled a regular & a fraud claim about my money missing from my account. The back is yet to tell me who it went to, what account/bank or name. No Information has been provided to me & Im being told Ill never get my money back. Agents are hanging up on me whenever I call. Im seeing the money being transferred out but I dont know the person & never authorized this transfer. If my card didnt declineI wouldnt know my money is gone. When I checked my account after trying to do a purchase I saw these large transactions. Im battling identity theft now my money starts disappearing.

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 2021-08-31
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
{$230.00} was skimmed off my Visa Gift Card by XXXX XXXX. I called Visa ( XXXX ) and reported it. They directed me to a company Blackhawk Network to resolve it. I called the company three times regarding the theft ; it seemed to be a call center in XXXX. They notified me on XX/XX/XXXX that my case was resolved and that I would get the money refunded on a new card. As of XX/XX/XXXX, I have not received the card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-16
Company: Guild Mortgage Company LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Guild Mortgage Company I need to see the original promissory note for XXXX XXXX XXXX XXXX XXXX, GA XXXX. Also provide the location and a time and place that I can view this myself promissory note.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: LA
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 am contacting you to request the prompt deletion and removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and details should not be reported as they violate both the FDCPA and FCRA regulations. I insist on the immediate removal of these items to rectify this breach of multiple laws. Please take the necessary steps to remove these accounts and information from my consumer report without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, 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 am disputing fraudulent information that you are reporting on my credit reports. I ask that you take this complaint seriously and delete the information that is included in the attached document immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: LOBEL FINANCIAL CORPORATION
State: UT
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:
Lobel Financial Corp # XXXX is reporting an account to my credit that is not mine. I have a mixed file and this account does not belong to me and needs to be removed off of my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: IL
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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-05-21
Company: Experian Information Solutions Inc.
State: NC
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:
I just checked my credit and found some inaccuracies. According to the Fair Credit Reporting Act, XXXX XXXX of FCRA you have a responsibility of promptly deleting any information which is inaccurate or incomplete so it doesn't get reported in my report!

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