BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-27
Company: WELLS FARGO & COMPANY
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:
XXXX deleted the error with wellsfargo but XXXX and XXXX still has it on the report. Been fighting this from early as XX/XX/XXXX and latest XX/XX/XXXX. Would like for this inaccuracies to be deleted from XXXX and XXXX. 

Also with XXXX XXXX XXXX. The motorcycle accident was paid out fully by XXXX. Don't knw why this on my consumer report and account been closed from 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 2020-10-23
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Someone listed my account on a website as a vendor. I was sent multiple payments from people outside of the USA. I forwarded the emails and reports to Paypal. I also declined the payments as I am not a vendor and do not sell items online. Paypal closed my account and kept my cash on hand, stating I can have it in 180 days. I have called reporting the fraud was not my doing on XX/XX/20 - the number I called was ( XXXX ) XXXX. I gave all the data including the fact that earlier that day I had forward the emails to the XXXX. I was told I would have a formal response in 72 hrs. I got nothing. I called again XX/XX/20 the automated system recognized my number and would not transfer my call it hung up on me. I then reached out via XXXX  on XX/XX/20 was advised the issue would be escalated. I today, XX/XX/20, got an internal email on the Paypal platform addressed to XXXX ( not my name ). Per user agreement the account is permanently limited. No explanation of what violation was made. I am the one who reported the fraud and now I have lost access to my account and funds. While I understand if I violate the agreement then my account can be limited how is it fair that I was the party that reported the fraud/scam and lost my account and have to wait for my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
The credit reporting agency is reporting me as deceased and I am unable to obtain credit. I sent a copy of my drivers license, social security card, bank statement and recent check stubs and the information has yet to be corrected. I made initial contact XX/XX/2020.

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 2020-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Cap total one/Walmart for XXXX dollars someone used my identity and they never paid it. I never applied for it. Its in my credit and I want it off. This is not my card please help me I cant get a house bc of this for 60 years. If its not off I will sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX and XX/XX/XXXX, sent negotiable instruments which Chase processed but did not adjust amount on balance. Account paid in full. They altered a negotiable instrument but claim it wasn't accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX continues to report inaccuracies on my credit report. Upon checking my report, there are now : 1. 5 inaccurate late payment statuses reporting on my credit XXXX report. 
2. 1 inaccurate late payment status reporting on my credit XXXX report. 
3. 2 inaccurate late payment statuses reporting on my credit Equifax report. 

I have disputed the inaccurate reporting several times with the agency. The payment status is never resolved, only moved around. This is a clear violation of my rights, as I do not understand nor agree with how this account is reporting. 

If this can not be resolved, I will be submitting a complaint to the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 items listed below are reported on my personal credit file and were found in my reports with XXXX and TransUnion credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXXredit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 2020-07-16
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Fraudulent unauthorized ACH withdrawal by XXXX XXXX  from Wells Fargo bank checking account ... # XXXX on XXXX for " Garbage/Water '' We don't have any Garbage/Water service from them. As per XXXX search XXXX XXXX  is technology company and has not been in business of Garbage/Water service. XXXX, XXXX, I called Wells Fargo on XX/XX/XXXX, ( next day ) about fraudulent charges of {$170.00}, Wells Fargo Fraud claims no : XXXX, On XXXX : spoke to fraud dept, Claim Declined and said " Federal law requires to report fraud complain in 24 hours of fraud posting on the account, so money is not going to be refunded ''. 
On XXXX : spoke to XXXX XXXX, Wells Fargo case number : XXXX, XXXX Executive Case Specialist, Wells Fargo Business Virtual Channels, XXXX, Declined description of the ACH withdrawal matched checking account info, so refund is not given for fraud claim. two different stories by Wells Fargo bank. Again on XXXX : spoke to XXXX ID XXXX Resolution dept/Assistance Unit, Declined and said fraud happened and posted XXXX XXXX of XXXX and I called on XXXX at XXXX-36 hours after posted on checking account so fraud claim was declined.

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 2020-07-16
Company: Upgrade, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/2020-stepson stole money by large unauthorized purchase XX/XX/2020-unable to make monthly payment XX/XX/2020-email from XXXX   instructing me to schedule a payment to cover what I missed. 
XX/XX/2020-attempted to call upgrade.com customer service line, no answer, despite their claim to be open XX/XX/2020-found email asking me to schedule a payment, I scheduled a make-up payment for XX/XX/2020. my next payday. 
XX/XX/2020-XXXX took the money 9 days early, leaving me no money to feed my family until XX/XX/2020 XX/XX/2020-sent email to their customer service email address explaining what went wrong and asking them to resolve. No reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
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:
After looking at my credit report I noticed a negative entry that I am not responsible for, and as a result of this I have become a victim of Identity Theft. The account was opened in XXXX of XXXX, and the amount is {$760.00} that I am not responsible for. I have not called the company however I did file a Identity Theft report and a police report and sent all of that information to all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a negative reporting from this company. I disputed this debt in XXXX from another collections company. The CFPB reference number is XXXX. I spoke with the XXXX XXXX company and was able to get more details. The cable account was opened at family members residence with out my consent. Ive never reside at the house and authorize service and never signed any contract for that service agreement. After filing the dispute with CFPB in XXXX and advising the original creditor the account was not mine and I never authorize the account to be opened. The collection company removed the negative account from my credit reports. 
On XX/XX/XXXX a new collection company SEQUIUM ASSET SOLUTIONS trying to collect on the same debt. 
The company has never sent me any written notification. Ive called and was transferred to several people. I tried to explain the details above and was advised to just pay the debt. 
This just appeared on my credit again and this is unethical and wrong, I'm asking for this to be removed from my credit .There trying collect a debt again that's not mine and never was authorized and was never able to provide some kind of contract agreement that I authorized. Im a victim of a family member opening an account with out my authorization at their residence .This was explained to XXXX XXXX . The account was removed and Im Requesting for it to removed again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Can not use XXXX XXXX account to deposit my own money to the XXXX XXXX account. I don't need a Bank to control where my funds go if I decide that is where I want to have it deposited. Please stop controlling our accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Chime Financial Inc
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I called chime cause was having problems with debit card. Representative went into my account moved money from my savings to my checking and transfered it to a XXXX XXXX account for verification and he did this twice.I called chime again when i didnt get my money back and told them it was unauthorized transfer. They denied the claim i reopened and they denied again im currently going to reopen a 3rd time. I need my money back I live paychek to pay check im already behind on bills i need my money might not be a lot to some but its all I had!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, 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 status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-05
Company: John C. Heath, Attorney at Law, PLLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I tried for help from XXXX credit for fixing my credit. I paid half of it off it was XXXX charge account they found and started with. I just found out through XXXX credit that this was not my account at all. It haD my name birthdate and social but the address and phone number are not mine. XXXX has removed it from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid my lowes bill off in full to XXXX balance, 3 days later they ran my autopay balance and took it out a second time even though my balance had already been completely paid off I called and said you need to reverse the double payment you took out, my account balance was XXXX and you shouldnt have took anything at all out for a scheduled autopay on a account that had a XXXX balance They said we can mail you a check I said no you need to reverse the transaction you were not authorized to pay non existing balances just if I had a balance They refused, I told them I was pressing fraud charges through my bank and writing a report about how they took a double payment out on a account with XXXX balance and almost bounced my checking account doing it Im furious and would like paperwork on how to sue them for emotional distress

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 2020-07-17
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:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 12 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 

Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX   XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX   XXXX {$79.00} XXXX XXXX  XXXX {$110.00} US DEPT ED XXXX {$7300.00} US DEPT ED XXXX {$5700.00} XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX  XXXX {$390.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXXBANKRUPTCY DISCHARGED XXXX {$0.00}

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 explanation
Consumer complaint received 2023-05-26
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX XXXX Balance  : {$500.00} XXXX XXXX XXXX XXXX  Balance : {$500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26
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:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-04
Company: Navient Solutions, LLC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Navient holds 8 students loans of mine, and I have been in deferment since day one due to income. However they have all eight accounts showing extremely late like 120 days and I've never even had a payment agreement to be late on. I've written them several times with no changes and no reply. I've left my number, email, address and I've gotten nothing. I called once but the person didn't make any sense so I wrote in to have proof of correspondence. The person I spoke with ( XXXX ) stated she doesn't know anything about credit reporting and that I should call back in the early morning because managers are there at that hour. Like I said ; it didn't make much sense to me so I wrote in. I've also been disputing it with all three credit bureaus and I'm going on month ther three with no response or change. This is creating a huge drop in my credit score and creating problems with even being able to rent a home. Because my score drops so significantly because it's 8 different loans so they hit me 8 times. I really need this taken care of. Any help would be greatly appreciated. 

Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation