BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: SC
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:
Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I have a Venmo account that has unauthorized transaction I reported they refunded my money but locked my account so I'm not able to get my funds off I been emailing calling chats for over a week straight and still no one has resolved my case

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-07
Company: Marlette Funding, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX/MARLETTE XXXX XXXX XXXX XXXX, NJ XXXX Dear XXXX/MARLETTE : It is your responsibility to ensure your permissible purpose in accordance with the Fair Credit Reporting Act before reviewing a consumer 's credit report. Demonstrate that your hard inquiry for XXXX XXXX dated XXXX, 2022 met this requirement, pursuant to the XXXX. My Social Security number is XXXX. 
Otherwise, rescind the errant notation immediately. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
there are numerous inaccuracies reported on my credit report, including unauthorized hard inquiries, unrecognized accounts as well as incorrect demographic information. I have reported these issues to XXXX, Experian and XXXX since XX/XX/2021.

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 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company 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 2022-03-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Wells Fargo closed my account few months ago and I did not do anything fraudulently or anything, but Wells Fargo wouldn't approve or let me open any new checking account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/ 2022, 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 XXXX Data breach and may have got into the hands of the wrong person.

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 2018-08-31
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
onXX/XX/XXXX or XX/XX/XXXX I came to Chase Bank which located in the XXXX XXXX XXXX XXXX, XXXX AZ XXXX, with my friend to deposit cash around {$1400.00} to ATM machine which stand in the lobby. We deposited two times coz one time can not deposit all of them, and when we do the second time, the machine was stuck and after 5-10 mins loading circle, the screen showed need the bank supports help, and the ATM machine didn't come out any receipt or paper to show what's going on. we called the staff from bank to help us, they suggested us to call the bank customer service to do the claim service, I called and built the claim case with Chase customer service, they just said they'll do the investigation process and will resolve within 10 business days, on XX/XX/2018, I checked my bank app, there is a credit added {$1400.00} into my recent transaction, but today when I logged into my online account, on XX/XX/2018, I saw there is a claim reversal transaction showed up, which is that {$1400.00} amount was reversal, then I called the bank, they said they can not do anything about this solution coz they already went through the claim process and their back office gave this result. but I'm definitely disagree with this, coz i deposited the cash in the lobby on that day, my friends and the lobby staff also saw that, coz there is one staff came to ask us is this machine works well, we answered yes, and they explained with us, coz some guest use this machine to deposit money but got in some trouble before so they questioned. that means they knew this machine got some problem. but i called the bank customer service to ask if there any other way can do it again, they said there is nothing he can do. i am so angry with this answer, coz i was depositing my money through your bank ATM machine, but is the machine comes out the problem not because i'm lied, according to he said can not do anything, the only thing i can do is to complain the bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-17
Company: Blockchain.com, Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
They ( Blockchain.com ) have given me the runaround. 
I have been cheated!!! 

I want to take my money out!!! But I do not have a smartphone to get to the Gold step. Don't you get it! 

I DO NOT HAVE A SMARTPHOEN TO GET SMS TO TAKE OUT MY MONEY!!! 
DON'T YOU GET IT. I HAVE ACESS!!!!! 

That's the problem!!! I can not be Gold verified because I do not have a smart phone to receive SMS. I am stuck and you are holding my money which I can not move out because I can not get Gold status!!! 
Don't you people get it!!!! I am being denied my money. 



I do not have a smartphone-it would cost me {$30.00} to rent just to get {$18.00} back. This is dishonest and cheating. Just to receive SMS. I can not do a GR code or a selfies of my license.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items 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 items that you must remove are listed below : NONE XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX & XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-10
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I closed on my home XX/XX/2018 with a mortgage payment of {$1700.00}, 2 months later I received a notification that my payment would be increasing to {$2400.00} due to the lender making an error on estimating my taxes in which they only calculated half of my tax bill instead of the full year. With that being said, I am now required to make up for their error and am being strong armed/required to make a large payment, which I can not afford. I have XXXX children and my husband is a XXXX veteran therefore we purchased this home expecting a mortgage payment we could afford. I have tried to contact the loan officer and he refuses to call me back and when I call customer service they will not alllw me to escalate the matter to a higher level of management. I am fearful that I will lose my home due to their error and I should not be penalized for such a error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 FCRA XXXX XXXX XXXX has violated my rights. 
Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended 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 2023-03-28
Company: Credit International Corporation
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:
Date : XX/XX/2022 Amount : {$70000.00} TOTAL : {$73000.00} I am writing to express my dissatisfaction with the handling of debt collection by XXXX XXXX Department and Credit International Corporation. While I understand that it is their job to collect debts owed, I have several concerns regarding the way this matter has been handled. 

First and foremost, I believe that the debt being reported on my credit record is inaccurate. This debt belongs to the company XXXX XXXX XXXX and not to me personally. As an employee of the company, I should not be held responsible for the debts incurred by the business. It is my understanding that XXXX should be held responsible for the payment of this debt, as XXXX XXXX XXXX received payment from XXXX and released the order to the customer. As a customer, we relied on the XXXX XXXX XXXX to handle the payment process. XXXX is now attempting to collect the money back due to a loophole in their system, which is not our responsibility. 

Furthermore, I am concerned that XXXX practices in attempting to collect this debt have been unfair and unjust. I have received numerous phone calls and letters from XXXX regarding the debt, many of which were made outside of reasonable hours. Additionally, I have been subjected to threats and intimidating language by their representatives, which is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: Navient Solutions, LLC.
State: SD
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX a letter was sent out by XXXX XXXX XXXX XXXX XXXX on behalf of Navient. The letter referenced Loan numbers XXXX and XXXX which appear to be loans from XXXX College and are under review by the Department of Education due to fraud, endangering my life, and encouraging their students to commit felonies and war crimes. 

The amounts of the loans when reviewing the amounts actually appear to be the following two private loans from XXXX XXXX XXXX which are over 15 years old and way past the allowable collection period. 
XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Loans XXXX and XXXX are for the following amounts and originate from XXXX College. XXXX has has {$0.00} balance and XXXX is in administrative forbearance until XXXX XXXX - XXXX XXXX - XXXX These collection tactics are deceitful, unlawful, dishonorable and a disgrace to a civil society. 

Additionally, I believe the deceitful tactics in attempting to collect a debt that is no longer collectable violates FCRA. As a South Dakota resident, these debts are past the statute of limitations which is 6 years. 

I would like Navient to remove these loans from their online portal. They can shove them into some other website for online portfolio management so that I do not get confused and accidently, through their deception, make a payment towards these loans and reactivate the statute of limitations. 

I would also like all collection notices from Navient to cease as my account is under administrative review from the Department of Education and there is no reason a collection notice should be issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
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:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be REMOVED immediately. 

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

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 2021-11-17
Company: Westlake Services, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2021 I purchased a vehicle and was financed through a 3rd party bank. On XX/XX/2021 I sent an affidavit to this company and on XX/XX/2021 it was delivered. I have not received a response as of XX/XX/2021. I as a consumer am aware that an unrebutted affidavit stands as truth in commerce. Within this contract I noticed a few federal law violations pursuant to CFR and USC. The first item was that the finance charge did not include the sum of all charges directly violating 15 usc 1605 ( a ) as defined. In this contract the amount that is suppose to be the finance charge per law is described as the total sale price. I was also mislead to believe that this company required me to provide a cash down payment ( in the amount of 1300usd ) in order to be approved for this loan which is in violation of 15 usc 1662. The notice provided in this contract was also incorrect pursuant to 16 cfr 433.2. With these discoveries pursuant to 15 usc 1692j this contract is false and deceptive. Also no right of rescission forms were provided to me which is a direct violation of 15 usc 1635 ( a ).

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 2019-08-06
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and 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 explanation
Consumer complaint received 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 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 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 2023-03-28
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 fraud alerts or security freezes

Complaint:
Pleased remove all fraud alerts and extended fraud alerts XXXX : # XXXX  # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX ( XXXX ) XXXX Experian:XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : XXXX XXXX. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

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 2023-02-20
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:
XXXX and TransUnion are report inaccurate information on my consumer on my credit file and its affecting my ability to get personal things in my name that I need. I filed a dispute with both companies stating that there is inaccurate and fraudulent information being reported when it shouldnt be. 

XXXX XXXX  - XXXX XXXX {$580.00} XXXX XXXX XX/XX/2021 - {$4300.00} XXXX XXXX XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX {$2000.00}

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 non-monetary relief