BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-08
Company: Experian Information Solutions Inc.
State: CA
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 XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Waypoint Resource Group, LLC
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
the following account Waypoint Resource Group that is listed on my credit report does not belong to me, I've recently contacted the company via phone and they were unable to find an account listed with my information in their system but it still shows up on 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 2021-09-24
Company: GLOBAL PAYMENTS DIRECT INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I'm enclosing copies I made two separate deposits on XXXX XXXX XXXX of XXXX on XX/XX/1923 the money was taken out of my acct and om XX/XX/XXXX it was done again. I called global payments and was told my bank refused incorrect o ask in addition why they can't see in there system They collected XXXX not two payments totaling 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 2017-09-15
Company: EQUIFAX, INC.
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:
Equifax was subject to a security breach from XXXX through XXXX this year, in which hackers were able to access people 's SSNs, birthdates, addresses, and other personal information, including mine. Equifax did not notify the public until XXXX. Upon publicly announcing the breach, they set up a website that they claimed would tell consumers if their information had been accessed or not ; when I tried to use the site, I was given no clear yes or no answer, but instead given a date for which I would be eligible to enroll in Equifax 's TrustedID program ( which I did not want to enroll in, nor did I agree to enroll in ). It was later pointed out that the website 's FAQ appeared to state that by using the site, consumers waived their right to sue. Equifax did not clarify that this was not what they meant until after it was pointed out that this was not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This particular phone number called five times yesterday and four times already today ( XXXX/XXXX/15 ), but will not leave a voice mail. When i searched the phone number, it shows repeated complaints about this being a debt collection agency called GE Money Bank that makes repeated calls to individuals on the same day or even just one day after a payment is due on a debt. I am not late on any debt payments and do not have an account affiliated with this group that I am aware of. And, it appears I will have to block them to get them to stop calling my cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Westlake Services, LLC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I have reached out to the Financial department of Westlake 's Financial Services to apply for my SCRA benefits as I am a XXXX XXXX back in XX/XX/XXXX letting them know that my XXXX XXXX start date is XX/XX/XXXX. 
I have repeatedly called them because the interest rate and new payment was not applied to my account until XX/XX/XXXX. I have been hung up on by staff and supervisors when I request the break down of how my interest rate was applied. My command sent me to a financial counselor who called the company and spoke with XXXX. we were placed on hold multiple times with an end result of them explaining that they would fax the paperwork requested and that their record shows this was applied on XX/XX/XXXX. We have yet to receive a fax showing the breakdown.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: PNC Bank N.A.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have tried to look my PNC account to different services, such as XXXX or other external banks for transfers and it will not link. This prevents me from using the services, as I can not transfer any money to or from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I paid my step daughters college tuition for last semester. She was paying me back a portion of the tuition in the amount of {$3000.00}. She transmitted the money to me via PayPal , Inc. GA XXXX # XXXX, XXXX # XXXX on XX/XX/XXXX. I received a notice from PayPal Inc on XX/XX/XXXX stating the transaction was on hold. They requested several documents to verify my identity including my driver 's license, bank statement, among other documents. I provided those documents to PayPal, Inc on XX/XX/XXXX. 

I then received an email stating the transaction was declined. I contacted PayPal via telephone and was told my transaction was flagged as fraud and the money would be held for six months. I asked why it was flagged, and was told they can't tell me and it was done in the back office. I called several more times. I finally got a supervisor and explained the situation. He said the money would be held for six months. He stated the reason for the hold was for possible complaints by the buyer or seller. I explained this isn't a sales transaction. I further asked if my step daughter and I signed a release stating there wasn't any dispute would they let the transaction go through or just refund it to my step daughter. She then could transmit the money via a check. I was told that wasn't a possibility. 

My step daughter also contacted them and was told the money would be held for six months and there was nothing they could do about it. It is clear they don't want to return the money. 

I have reviewed the company on line. There was a class action lawsuit for the same issue of them holding onto people 's money for no justification. The company hold s the money in a corporate account and earn interest off of this money according to the class action lawsuit. Paypal , IncXXXX paid out a tremendous amount on that class action lawsuit. 

I have no additional course of action at this point in time. I have also sent a letter to the CEO of PayPay, Inc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-07
Company: CAPITAL ONE 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: Account status incorrect

Complaint:
Capital One is reporting erroneous lates on my credit file. They are reporting a late for XX/XX/20. This late happened at the very beginning of COVID. I had been laid off for a few weeks as most people were. I called and made this payment as soon as i could to avoid the late notation and i was advised that since there was a pandemic this would not be reported to my credit file. I recently checked my credit and noticed that there was a late notation added to my credit file. I need this late removed. I was told the late would not be reported to my credit file because it was due to the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: AP
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I got a email stating I owe a debt but I dont remember even signing up for this particular loan and this supposed senior recovery attorney is asking I pay it in a one time settlement and if not then Ill be sued. Im not sure if this even real or if this is a scam. I have only been contacted by them once.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-05-15
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:
There is seems to be an error on these accounts that are being reported on my credit report. I did manage to reach out to the creditors but they don't have any update yet. Please remove these accounts.

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 2020-12-12
Company: EQUIFAX, INC.
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:
AFTER REVIEWING MY CREDIT REPORT THERE ARE ACCOUNTS AND INQUIRES THAT I DO NOT RECONIZE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I became XXXX in XX/XX/XXXX, my income dropped to less than 1/4 of my previous salary, after I exhausted my 401K and retirement benefits before my XXXX benefits were approved. I applied for a home modification loan with my lender Quicken Loans. I started a trial modification in XX/XX/XXXX. At the time, the terms of my loan was : unpaid principal balance : {$110000.00}, the new principal amount : {$80000.00}, with the interest rate going from 4.375 % to 4.75 % for the term of 30 years. The other {$34000.00} was attached to a promissory note, non interest bearing, payable on XX/XX/XXXX or at time of sale or early payoff of original loan which was secured through HUD. The problem that I have with this whole process is that I could not find answers to my concerns of questions regarding this modification and whether I was afforded the best program/solution to meet my needs and allow me to have a successful outcome. I spoke with the HUD housing counselors " XXXX '' on several occasions and received various and conflicting answers/explanations. I was referred to legal aid and other so called help website, all of whom could not offer me any assistance in my area, understanding this loan modification process. I feel that I am at the mercy of Quicken Loan and their network and lawyers and the like, yet I can't find any to work for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
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:
FCRA violations : XXXX A XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: MRS BPO, LLC
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I've been in dispute with this company ( XXXX XXXX XXXX. ) and the bureaus to which this account has been deleted off my credit file. Now I'm receiving a letter from this company today saying I owe {$1900.00} ....??? Now that this is happening to which I don't know why. This company is not on my credit report. Attached is a copy of the deletion of my credit file. So I want this company to mail me what is it they have. 

Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
The reason for my writing of this letter is to inform that I am a victim of IDENTITY THEFT. I informed this company on XX/XX/XXXX about my identity theft issue. I am a victim of identity theft. My personal information was compromised and as a result, fraudulent charges were included on my account without my consent or authorization. 

I noticed Significant fraudulent changes around early XXXX and early XXXX. My account had various fraud charges throughout the year or two. As the law required that they delete this fraudulent account within four days from receiving my written consent, this company is still reporting this account until now. I am making it clear here that I did not benefit from anything whatsoever in this fraudulent activity. Attached herewith are all the documents I sent this company i.e. My dispute letter, My identity theft report e.t.c.

I am also REQUESTING this company to please update the following information of mine : 1. my phone is ( XXXX ) XXXX 2. My email is XXXX Let it be noted that this is my final intent to solve this issue before I file a lawsuit against this company for reporting identity frauded accounts even after being informed of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: EQUIFAX, INC.
State: VA
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've been contacting Equifax for a few months now about this disparity on my credit report. Equifax has willfully and knowingly ignored my request to honor my FCRA law rights. I am a victim of identity theft. Someone has taken my identity and opened up several student loans and a couple of credit cards. I should not be held to any responsibility to these accounts as they are all unauthorized. I've initiated disputes and included all the necessary valid documentations as told to present for the bureaus to honor the FCRA 605 ( B ) law. Still, Equifax is the sole credit reporting agency that is being negligent and at fault for my current hardship. It was only suppose to take 4 business days after receipt of receiving my cover identity letter, proof of identity, list of fraud items, personal statement and valid FTC report to block these accounts as fraud. Equifax has yet to fulfill their job stating their investigations are completed. No results for me. 
I look to sue Equifax for 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
On or around XX/XX/2022, my checking account was frauded through XXXX for {$3500.00}. The action taken, called Bank of America XXXX department and filed a complaint. A few days later Bank of America replied stating that we had to go through XXXX to make a complaint because the money was taken from XXXX. We filed a complaint with XXXX department. We received a letter from Bank of America dated XX/XX/2022, stating that were unable to approve your recent claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am currently applying for a mortgage. I initially applied for a mortgage on XX/XX/XXXX then again on XX/XX/XXXX and XX/XX/XXXX. All applications were within the 45 day period. However, XXXX and XXXX lowered my score by 50 points based solely on these inquiries-no other credit factors explain the drop in the score. Both companies are violating the 45 day rule.

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 2021-03-28
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: Public record information inaccurate

Complaint:
I have sent numerous disputer letters to Equifax, XXXX and XXXX  to remove all inaccurate information like wrong name, wrong address, inquiries, accounts and public records. 
My name : XXXX XXXX XXXX XXXX address : XXXX XXXX XXXX  XXXX, TX XXXX My DOB : XX/XX/XXXX Last XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX US XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: Experian Information Solutions Inc.
State: CT
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:
The inquiries have been on my report for quite some time. I have tried to resolve this by calling the creditors letting them know that this occurred without my knowledge. Also, XXXX XXXX tried to resolve this issue as well but was unsuccessful with Experian. 

XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX EXPERIAN BUSINESS CRED Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX EXPERIAN BUSINESS CRED Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : 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 non-monetary relief
Consumer complaint received 2020-10-24
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/20 I transferred {$1000.00} from my PayPal account to my son 's PayPal account.

When my son tried to access the money in his PayPal account he was unable to.

We contacted PayPal resolution and they said that they flagged this transaction as suspicious and froze the money in his account.

They said that it looked to them that I was buying something from him but they was no merchandise delivered. Also because I transferred {$1000.00} to his account and they saw it as a transaction, he only received {$970.00} in his account ( 3 % plus 30 cents deducted ).

Although I've had a PayPal account for many years, this is the first time I attempted to transfer money with it. I typically only use this service to buy merchandise online.
Maybe I made a mistake by the way I transferred the money?

Anyway, the money has been frozen and although I've explained this to PayPal multiple times they refuse to unfreeze the money.

Company response to consumer: Closed with explanation