BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-31
Company: Experian Information Solutions 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 explanation
Consumer complaint received 2023-04-03
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Venmo froze my account for no reason. I have {$3000.00} in my balance and I cant do anything with it. They asked for my ID, which I had already sent them. I resent the ID and now they refuse to answer me. This company refuses to unfreeze accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My Southwest Airline/Chase Credit card has been Declined over 45 times in a 2-3 Month period, even with plenty of credit on card. Have made contact with credit card via phone, app and contacted corporate office with same negative results. Im unable to use the card as per the promo awards. Their fraud/security DEPT. Has being able to fix the card. They want me to call Chase ever time I use the card indefinitely. I feel Discriminated against treating different then other customers who have same card. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This account has been disputed multiple times and Experian will not do a full investigation into the matter. This account reports OK then ND and then straight to Charge off status. How is that even possible?. The company refuses to update the ND on my credit report or give me proof of the late payment.

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 2023-06-21
Company: Resurgent Capital Services L.P.
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: Account information incorrect

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact there for exists

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: SUNRISE CREDIT SERVICES, INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I continue to get phone calls about a debt to optimum but I canceled there service months ago and returned all equipment. I do not owe them money especially when services were consistently out.

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 2022-05-04
Company: EQUIFAX, INC.
State: OH
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 requested the original contract for validation for the fraudulent account from the bureau. I sent in a letter and an FTC report just like the bureau requested but I still havent received validation or the original contract. This account is still on my report and blatantly ignored my request which the law states that I am able to request the contract that they have on the file between me and this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am XXXX XXXX and I'm submitting this complaint myself there IS NO THIRD PARTY INVOLVE. Attached is a right to rescission notice along with cease and desist notice and cease and desist response and notice of billing error. Physical copies are on the way to USAA FEDERAL SAVINGS BANK as well. Please respond back to confirm receipt of these items through CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am in receipt of National Credit Adjusters letter informing me that they are handling the collection of the account # XXXX for {$600.00}. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between National Credit Adjusters & me, legally listing you/your company as a person/company entitled to enforce a commercial claim against me. I mailed a letter demanding verification and validation. This was a demand for proof of contract to substantiate National Credit Adjusters claim. I legally demanded you/your company to provide me with a certified copy of an original contract, BEARING MY WET SIGNATURE, specifically naming the above company as a person entitled to enforce a commercial claim against me. My legally demanded requested information was ignored and National Credit Adjusters continues to report this fraudulent and unverifiable item on my XXXX, XXXX and XXXX reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit reports generated by Experian and XXXX on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX XXXX XXXX XXXX No : XXXX clearly suggest conflicting informations of 1.High balance and 2. Last activity which are inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name Experian XXXX High balance {$0.00} $ XXXX Last activity XX/XX/XXXX XX/XX/XXXX - Credit reports of the three bureaus are enclosed.

My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.

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 2021-03-12
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Today I learned from XXXX XXXX XXXX XXXX XXXX XXXX XXXX that the reason my tenant can not deposit his rent check into my XXXX account using Zelle is because Zelle has linked my profile to a fraudulent account and Zelle has placed a PERMANENT ban prohibiting my accounts from Zelle transfers because of this so called fraud they connect to me and this action can not be appealed. I phoned Zelle at XXXX but they will not even discuss the situation and they refer me back to XXXX. XXXX tells me there is nothing they can do. I have never been involved in any fraud and I have never been notified of any fraud related to me by anyone in my 66 years. My tenant and my significant other are the only XXXX people who have ever deposited funds into my XXXX account using Zelle and that started in XX/XX/XXXX when my tenant XXXX XXXX XXXX, who is elderly, had great difficulty setting it up so my significant other XXXX XXXX XXXX tried to help him. We thought it was all taken care of when the XX/XX/XXXX rent was successfully deposited via Zelle by XXXX payments totaling {$1600.00}. My tenant notified me last week that he is unable to send the XX/XX/XXXX rent into my account via Zelle and his bank indicated the problem was on my end. So, I contacted the XXXX to find out Zelle has linked me to fraud and permanently banned me from use of Zelle without any appeal process. I have been branded by Zelle as a " fraudulent '' recipient of Zelle funds without any communication between Zelle and myself and this is all FALSE. The only XXXX people XXXX XXXX and XXXX XXXX to send money to my account using Zelle have both told me that they have not filed anything identifying me to any fraud. So, I am at a loss at how Zelle can label me as linked to a " fraud '' when it is not true and then refuse to discuss the situation or consider that a mistake must have been made that needs to be corrected, and then ban me for life from using a service provided by XXXX to its members without any recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: TN
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, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

These inaccurate items on my credit report are due to ID Theft, ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
This has been reported via police report and FTC Affidavit of ID Theft. True Name ID Fraud was listed on my credit report after I found out, but for some reason now they show up under collections. This is prohibiting me from getting my credit score back to Pre-ID Theft which was a XXXX. After all this fraudulent activity and reporting, it is low XXXX and has caused damage to me and my business as well. Reports show that fraudulent account was opened XX/XX/XXXX, XXXX in my attached report it shows that they were 'assigned ' over a month before the open date!

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 2021-08-01
Company: Big Picture Loans, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
For the past two months I've been trying to pay off my loan and the links to pay off the loan don't work. Notice in the attached video that all other links work just fine. I want to pay off my loan early to reduce the amount of interest owed and I think this additional barrier to pay off loans early might have some customers decide not to choose the option and the company can make more money with longer terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Hello. Back on XX/XX/XXXX, I had two XXXX XXXX XXXX accounts ( XXXX XXXX Visa ending on XXXX  and XXXX XXXX XXXXX ending on XXXX  ). During the same month I had some fraudulent charges on my XXXX  account ending on XXXX. I reported it to XXXX XXXX XXXX. They closed the account and issued a new card ( ending on XXXX  ). I moved to a new address and that card never made it to me. Again, they canceled that card and re-issued a third card ( ending on XXXX  ). Thats the one I currently have.

Equifax has had INNACURATE information on my file since XX/XX/XXXX. According to Equifax, I have only one XXXX XXXX XXXX Account ( Visa ) ending on XXXX. I called them to tell them XXXX XXXX XXXX closed my XXXX  account ( because of fraudulent charges ). But they re-issued a new card ( now ending on XXXX  ). They said they have never received this new information. When I called XXXX XXXX XXXX about it, they ( XXXX XXXX XXXX ) said they have been reporting every month since then. I believe them because XXXX  and XXXX  do have the information right. Equifax is the only agency thats missing my new XXXX  account. They are conveniently omitting this information from my credit file. This happens to be my credit card with the highest available credit ( currently at {$1600.00} ) and with a credit utilization well below 30 % ( now at {$420.00} ). This is my fourth complaint about Equifax in the last six months. Thanks for your help CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Block, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I seen a unauthorized purchase on my account and my money was stolen over {$3000.00} dollars I got money back for 3 of the payments totaling {$1200.00} and I been told I authorized the transaction for {$1700.00} when I have proof that I never got a hotel or even made a authorized transaction for a hotel and I have receipts and bank statements and I would like my money back thats too much to lose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Resurgent Capital Services L.P.
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:
I had a credit card with credit XXXX bank back in XXXX I close the account. I only had a {$300.00} credit limit upon closing the account. I had a balance of {$200.00} I have since then made a chance to pay the balance but they keep telling me that I dont owe them any money yet. This is on my credit report for {$700.00} reported by LVNV FUNDING LLC. I DONT KNOW WHO THESE PEOPLE ARE AND THE DATE ON THE CREDIT REPORT IS XXXX AS I SAID I HAVENT HAD THAT CARD OR THAT ACCOUNT SINCE XXXX AND I DONT KNOW HOW A {$200.00} BALANCE TURNED INTO {$700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I wrote to XXXX, XXXX, and Transunion requesting an investigation of the following inaccurate accounts reporting on my credit report 30 days ago The credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and verified 100 % that the accounts listed below are accurate. However, the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality unde 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.

T 15 US 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 reportini can not furnish a account without my written Instructions enc 15 U S C 1681c ( a ) ( 5 ) Section States no consumer reporting agency may consumer report containing any of the following items of information Any ab949dv item of information other than records of convictions of crimes which antedates the b.

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 2021-03-12
Company: U.S. BANCORP
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I've tried reporting this issue to US Bank 's Fraud Liaison Department but no one would forward my call to a higher authority - I've even reported this to the CFPB & have had e-mails bounce back from the US Banks 's support e-mail address. I need a supervisor to contact me regarding reporting fraudulent activity internally at US Bank ( recipient bank, XXXX XXXX XXXX account holder ) as soon as possible. I am a customer of XXXX XXXX  with fraudulent activity to report to US Bank which is shown below yet US Bank is not taking this information seriously to report to their executives. 

I've reported this money wiring/job scam to the local authorities ( XXXX Police Department ), FTC, FBI ( IC3 ), XXXX Police, XXXX XXXX XXXX Police, XXXX XXXX, XXXX, as well as attempting to contact US Bank to have this issue reported internally but no one would take down my information or have my calls transferred to speak to higher personnel at US Bank at all ; I've also tried contacting the Fraud Liaison Department as well at XXXX. Below is a fraudulent account holder at US Bank that has scammed me out of {$2600.00} in which my bank has tried to issue a SWIFT recall to US Bank - no refund has been issued. Fraudulent US Bank account holder, XXXX XXXX XXXX, is posing to work for XXXX XXXX to issue out a Traveler 's Insurance Policy to the XXXX under XXXX XXXX XXXX XXXX XXXX, along with a MrXXXX XXXX XXXX at XXXX. Please see below. 

XXXX Attachments Wed, XX/XX/2020, XXXX XXXX  to me Attention, Based on the urgency of your Application and to serve our customers betters and avoid delays in providing fast track services to our customers, we have mandated you to make Payment via our Agents in region USA so Certificate can be issued on confirmation of payment within 24hrs from Date of payment Premium for Plan B is XXXX XXXX pounds sterling equivalent exchange rate of {$2600.00} USA Dollars. Kindly note Payment for any Premium Plan must be paid in full to enable swift issuance of Certificate Contact your Financial Banking Institution in your region USA and notify your Bank to make Bank Transfer Payment payable to our Agent in region USA via Account Details Below : Account Name : XXXX XXXX XXXX Account Number : XXXX Routing Number : XXXX Bank Name : US BANK Bank Address : XXXX XXXX  XXXX XXXX OREGON XXXX USA Beneficiary Address : XXXX XXXX XXXX XXXX XXXX OREGON XXXX USA Kindly send us the transfer payment receipt once funds have been deposited to enable us issue your certificate swiftly Yours truly, Mrs XXXX XXXX, Account Manager 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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section XXXX which requires all reporting to be 100 % accurate. 

XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2013 my Realtor requested a short sale on my home and was granted 30 days. My realtor found a buyer in 15 days. The new buyer asked for more time to process. My Realtor contacted Wells Fargo for an extension on behalf of the buyer. He was told the Specialist had moved to a new job and there was never an extension and the house was in foreclosure in 30 days. 

I still have a copy of the documents for the request.

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