BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
I made the mistake of suggesting to my clients, XXXX and XXXX XXXX to pay me via Paypal.com for services in the amount of {$3000.00} and on XX/XX/2023 : I billed & invoiced XXXX XXXX for {$3000.00} through the Paypal website. The next morning on XX/XX/2023 a payment was made by XXXX XXXX to Paypal for {$3000.00} Paypal immediately deducted 3 % = {$92.00} as 'Fee ' Later on XX/XX/2023 I was able to transfer to my XXXX XXXX Account {$310.00} only because there was a hold on the remaining amount The remaining amount of {$2600.00} was put on-hold for 21 days. 
This was completely unnecessary and is to create float for Paypal to keep user 's money even though they have received money from the customer, received their 3 % fee. 
This practice must be discontinued and since given the millions of transactions flowing through the Paypal system this amounts to hundreds of millions of $ XXXX that they have access to. 
The CFPB and FTC must regulate them or sue them in XXXX XXXX to disband this practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-20
Company: WELLS FARGO & COMPANY
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
In XXXX we had a checking account at Wells Fargo and constantly had overdraft fees because they would put all of the withdrawals and debits through before the deposits and direct deposits so that we would have hundreds of dollars in overdraft fees. When my husband and boyfriend h complained, they told us that was policy. We eventually closed that account in XXXX because we constantly had issues with them charging us fees, and opened an account at another bank.

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 2022-10-27
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Back to XXXX 2020 my mortgage company send a letter to me with proposition to go to the forbearance plan and I accept it because I have to go for the XXXX I had XXXX XXXX XXXX XXXX XXXX XXXX for last 5 years.They said when that period will end I can go back on the track and still make a same payments and they will put a missing payments on the end of my mortgage, When that plan was ended I call them and I got completely different information they told me that I have to pay them full amount or they will refinance the mortgage and I have to go on the trial plan for 3 month and make them payments for {$800.00} My payments before was XXXX XXXXI agree to that and make those payments for 4 month when I call them to make a next payment they told me they cant accept it because they have to do some title search and I have to sight some form I was patiently waiting for calling them and finally got it 3 month later.I sight that form and returned to them they told me they gon na get back to me but they didnt do it.I have to go to XXXX for 2 month because of my family emergency matter get back and receive XXXX XXXX  XXXX.I hade my phone with me all the time they got my email address, no one ever contact me with any instructions.I asking you to step in and help me to resolve that problem .I really have no any problem to make my monthly payments.Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Recently I did an investigation on my credit report which caused anxiety beyond belief. I found information that was unverifiable, invalidated, inaccurate, and highly questionable that the agencies didn't make sure it was reporting 100 % correctly. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I have requested investigations into these accounts on the following days only to have them still remain on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 2023-04-11
Company: EQUIFAX, 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting inquiries as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable inquiries and remove them immediately in my report : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX # XXXX is reporting a debt I do not owe. This is paid off and should not be reporting a balance. I would like for this to be removed off of credit as it is already paid and is reporting incorrectly.

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 2023-04-18
Company: Experian Information Solutions Inc.
State: UT
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 XXXXXXXX XXXX XXXX  Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the fair credit reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the fair credit reporting act XXXX  Account XXXX, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
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/21 I mailed Experian a dispute letter disputing an account being reported to them by XXXX XXXX account # XXXX. I notified Experian that the company is reporting inaccurate unverifiable information. Before submitting a letter to Experian I requested verification/ validation from XXXX XXXX myself. The documents the company sent me to verify the debt that I have no knowledge of stated information that was totally different than what they were reporting to Experian. The address, and amount owed was incorrect. In my dispute letter to Experian I advised them that 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, all accounts that 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 ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Experian has yet to respond to my dispute I have tried to contact them by phone and letter. Documentation attached to complaint.

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 2021-07-01
Company: Experian Information Solutions Inc.
State: SC
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 just got a alert that I have a collection on my credit report. I dont owe anyone for the account that I noted, I have asked to remove but the company think I am playing. The company is XXXX in the amount of XXXX XXXX I dont owe any balances to this company. it must be someone else. Please remove.

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 2023-07-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: CITIBANK, N.A.
State: NV
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Applied for a Home Depot store card. Website stated they would do a soft pull. Applied after they said it would not affect my credit score. Was told would take a few days to process. 3 days later was denied then they pulled a hard inquiry on my account that I did not authorize. Called Home Depot number would not Connect me to a human. Called XXXX to start a dispute and Julio told me that he cant do anything unless I call Home Depot. As I said you can not speak to a human. I would have not applied knowing they would lie and pull a hard report. They also gave me an inaccurate credit score as experian shows XXXX points higher than Home Depot. the inquiry was on XXXX per XXXX website. Thank you

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 2022-10-27
Company: Spring Oaks Capital, LLC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
i would like all this removed based off the laws below. 

15USC section 602 A states i have the right to privacy 15 USC section 604 A section 2 it also states a consumer reporting agency can not furnished account without my written instructions 15 1681 section c ( a ) ( 5 ) USC no consumer reporting may make any consumer report containing any of the following items of information any other adverse item of information other than the records of conviction of crimes which anedates the report by more than 7 years.

15USC 1681 s-2 9A ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or as reasonable cause to believe that the information is accurate. 

Companies Springoakcap XXXX XXXX ins Comnwlthfin webbankavant ccredit coll credit coll creditonebank celtic/cont cb indigo bk of mo fist premer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
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:
These accounts balances are incorrect on my credit report I was never given the contracts or itemized billing statements showing how these accounts balances were made, they also added late payments dates and fees to these accounts after they were closed, how can one be late with fees when an account is closed the date of account closed have been updated as no information given on my credit after I contacted them asking about this same problem. XXXX XXXX XXXX Account # XXXX is also a charged off account that I never received my 1099 as law states mt to receive. How can they come after me for a debt that has been paid in full already due to charge off. As for the XXXX Account # XXXX account this was sold to a third party without my knowledge or permission giving my personal information out without my written content also this is still showing as an owed debt with this company when it should be removed if from my credit reports if they have been paid for this debt already due to charge off to third party. In According with the Fair Credit Reporting Act the following companies previously listed above has violated my rights. 15 USC 1681-602A states I have right to privacy. 15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29
Company: SUNRISE CREDIT SERVICES, 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:
In accordance with the Fair Credit Reporting Act, Sunrise Credit Services Inc has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 Part 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 explanation
Consumer complaint received 2022-04-29
Company: Dovenmuehle Mortgage, Inc.
State: NH
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX I contacted my mortgage company to start the modification process they had all of the required paperwork by XXXX. I had requested calls several times nothing!! Eventually I got my modification papers in XXXX sent them back in XXXX and got a call in XXXX stating it was missing a signature. It wasnt everything was marked. 
They re sent them out got them in XXXX sent them back again they are now claiming they never got them however we have the tracking number and employee name who received them. No one will call me back or email or anything for that matter!! 
No one is even working in an office!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I was Contacted by Bank of America sometime in XXXX about my XXXX 's past due XXXX XXXX bills. 

Initially, in XXXX Bank of America contacted me and my granddad 's sister and notified us that my granddad 's car was on their repossession list. My grandfather is an elderly man with XXXX and I have been acting as his representative since approximately XXXX of XXXX. Bank of America wanted to know where the car was and if anyone was driving it. Prior to receiving the calls from Bank of America I had been sending in monthly payments to Bank of America on behalf of my grandad, but I had lapsed during the summer of XXXX. After starting to receive the debt collection calls from Bank of America again in XXXX I started sending in payments again to try to bring the account up-to-date, despite this, Bank of America still continued calling asking to speak to my granddad XXXX, but he XXXX not answer any of their security questions due to his XXXX so they could not provide him with any information as far as his auto loan was concerned. Bank of America did allude to me that the payments that I was sending in were not enough and that they needed to speak to my granddad. They would not provide me with any information as far as how much was due or how much my granddad was behind. Sometime in XXXX I was able to reach someone at Bank of America who provided me more information after I faxed in my Guardianship paperwork to her. She could not provide me with any information over the phone, but she told me that she would mail in a payoff amount. She was not able to provide me with a statement of accounts. 
The payoff amount was submitted but no title was received. The title was not released. 

I contacted Bank of America at approximately XXXX on XX/XX/XXXX to see what was the hold up on mailing the title and an agent there told me that they had no record of the payoff letter and to fax it in to them. I faxed it in at a local Bank of America XXXX in XXXX, Ohio that same day. 

I called on XX/XX/XXXX at approximately XXXX to follow up and an agent at Bank of America XXXX me that the payoff letter was a mistake and that they want more money and will not release the XXXX until they receive it. Bank of America is essentially holding the title to the car at ransom, changing up their terms, and acting in bad faith.

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 2022-04-29
Company: New Hampshire Northeast Credit Services, Inc.
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NH Northeast Credit Union claim on my credit report that i owe them {$740.00}. I have disputed this over and over again and have gotten no where. I called the company and they state they do not have proof this account is mine and they don't have to have proof that this account is mine. The company also said they have been calling a number that I do not own and have never owned. When i stated that i don't know this number the woman on the line started to yell at me and stated that if i don't plan on paying this bill then she will hang up. Before i could speak, she hung up on me. I know this account is not mine, I have never been to the company they stated I went to for services. My husband has but not me. The company can not say it is mine because it isn't. please remove this from my credit report. 
XXXX already removed it because they found this account to be incorrect. XXXX has it listed without an actual company name. I need this removed from XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief