BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-06
Company: Paypal Holdings, Inc
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I can't use my paypal bcoz they permanent limited my account even i didn't do anything. I'm a freelancer and all the payment of my costumer they paid me through paypal. Paypal didn't told me for what reason to permanently limited in my account. I just wan na restore my account and to use it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: American Credit Acceptance, LLC
State: MO
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:
Amount in credit report is incorrect and balance has been paid by insurance company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Experian Information Solutions Inc.
State: PA
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:
Hi, my name is XXXX XXXX XXXX. I am reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent charges are showing negative results on my credit report. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commission 's Identity Theft Affidavit. Please remove these items as soon as possible.

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 2020-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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've recently sent certified requests to investigate information on my credit file. On, XX/XX/20, XX/XX/20 and XX/XX/20. To date the companies have failed to comply AND not done their duty as mandated by law. There actions were a generated computer response. This is my third attempt requesting them provide an investigation and verification into 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 explanation
Consumer complaint received 2023-05-07
Company: WELLS FARGO & COMPANY
State: WY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I had a wire transfer sent from another bank to mine at Wells Fargo. They deemed it to be a fraudulent activity. And froze my account and closed it seizing the money for quite some time before returning it finally. They would not give any explanations they would not discuss options or allow any kind of explanation. 
Because they refused to give a reason. They just deemed it to be fraudulent activity and eliminated my account without question. This was right before Covid hit I had a hard time going through without a bank account!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I canceled my XXXX XXXX  with XXXX. I returned the equipment and even received an email notice from XXXX that equipment was returned on XX/XX/XXXX. I also spoke to a representative in XX/XX/XXXX because of the circumstances of needing to cancel my service the early termination fee was waived and as long as the equipment was returned the amount owed to the account would be {$0.00}. I received bills in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX they had not fixed the bill and each month I called, each time speaking with a representative and they would go back and look at the notes to XXXX out the account again. On XX/XX/XXXX I spoke to a representative that applied the appropriate fee waivers and after a couple hours on the phone I was told the balance was XXXX. I never received another bill from XXXX or any other communication regarding this account, until XX/XX/XXXX. I received a phone call and the same day a credit alert to my XXXX credit report that a collections had been place on my account from Diversified Consultants for the {$320.00} from XXXX  that had been turned over to them for collections. They have not been willing to removed this from my credit reports, XXXX   shows this balance as XXXX again after 3 days of calling and going through old notes the account was corrected. However XXXX XXXX at Diversified Consultants is not willing to remove this from my credit report. The bill was XXXX and it was XXXX fault that this account was placed for collections. I feel that diversified needs to take this collection account off my credit report since XXXX shows a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to follow up on my previous complaint filed with the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate and unverified information reported by XXXX XXXX XXXX # XXXX. The information in question has violated my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681a. As I mentioned in my initial complaint, I have never done business with this companie, and the information they reported on my credit report is completely inaccurate. Under 15 U.S.C. 1681a, I have the right to ensure that my credit report is based on accurate and verified information. I have already disputed this inaccurate information with XXXX XXXX, but I have not received a satisfactory response from them. I have copies of my previous dispute letters and any relevant documentation that supports my claim. I urge the Consumer Financial Protection Bureau to thoroughly investigate this matter and take appropriate action against these companies for violating my rights under the FCRA. I request that the inaccurate and unverified information be promptly removed from my credit report to prevent any further harm to my creditworthiness. Thank you for your attention to this serious matter. I trust that the CFPB will take the necessary steps to rectify this situation and protect consumers from such violations in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made.

The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report.

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Transunion. 


1. Company Name : XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX  Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft XXXX. Company Name : XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft

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 2020-06-02
Company: Lyons, Doughty & Veldhuis, PC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX, XXXX, XXXX, XXXX XXXX threatened to sue XXXX XXXX, over an alleged credit card account. On XXXX, XXXX, XXXX, Debt Collector, Lyons, Doughty, and Veldhuis, filed a lawsuit as a courtesy to XXXX  XXXX, in XXXX County Municipal Court. On XXXX, XXXX, XXXX, XXXX XXXX, signed for service of lawsuit. On XXXX, XXXX, XXXX, XXXX XXXX, responded to lawsuit, via facsimile, at XXXX ( XXXX ) XXXX, with the attached DEBT VALIDATION NOTICE, Answer, and 41 ( d ) motion, totaling six pages. The attached receipt will show that the court received only four pages, at XXXX ( XXXX ) XXXX, because the validation notice is not a pleading. As of today, XXXX, XXXX, XXXX, neither XXXX XXXX, or Lyons, Doughty, and Veldhuis, have responded to the debt validation request within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2020-09-18
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX loans purchased my loan XXXX of XXXX they have not been able to get any of the information sent to me correct. Payment dates, terms etc. My loan is a bi Weekly adjustable rate mortgage. The rate changes bi weekly and the payment is recalculated on an annual basis for the terms of the payment. During the year my principle payment can go up or down based on the adjusting rate. The biggest problem started on my annual payment recalculation. My interest rate dropped by .12 % yet they dropped my payment by XXXX dollars a month. The loan was originated 20 years ago on a balance of about XXXX resulting in a biweekly payment of roughly XXXX prior to the adjustment. The adjustment came in and they dropped my biweekly payment to XXXX. This all happened in XX/XX/XXXX. The paperwork they sent shows my loan which had around 150 months left to pay now shows 339 months and the new payment reflects an amortization schedule in the same realm. They have changed my loan terms and extended my loan out over 10 years. In no way is this acceptable to me. I have been trying to get accurate information from Rushmore for over a year. Nothing they send ever reflects the current and accurate status of my loan, from payment terms, dates, amounts and now loan length. I have another identical loan from the original bank that I can track side by side to show these amounts are incorrect and Rushmore is in violation of Respa and will not do anything to fix the issue. I am currently on my 4th " Loan review '' with the same answers that everything is on track and correct. I have loan statements for this property and the identical property with the same loan still serviced by XXXX XXXX for over 15 years. I can provide side by side comparison if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
apparently I took out a Loan on XX/XX/2019 of the amount of XXXX the company is apparently Loan me but when I contacted them they said I never took out a loan or submitted one. the debit collecting company is named DRG and the person calling me is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: TCF NATIONAL BANK
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I am trying to refinance my mortgage with TCF Bank. However, they never answer the phone to provide necessary information. Ive been on hold on 6 occasions for more than 2 hours each time and cant get in touch with anyone. My mortgage broker has also tried several times to contact them and cant get through to anyone. This is making my refinance impossible to finalize and will end up costing me thousands of dollars. TCF Bank is the WORST bank Ive ever dealt with. I cant even say their customer service is terrible, because it doesnt even exist, there is no customer service, Im just out on hold forever with no resolution. People should avoid TCF Bank at all costs. Dont bank with TCF!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: Experian Information Solutions Inc.
State: MI
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 closed XXXX XXXX account ( last four XXXX ) shows 8 years and 3 months old on my credit reports.This XXXX XXXX closed account should be removed

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 2022-01-19
Company: EQUIFAX, INC.
State: LA
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:
Incorrect information on my credit report Sub-issue : Information belongs to someone else date opened : XX/XX/2021 total amount : {$210.00} cahrgeoff date/collections:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 closed XXXX XXXX account ( last four XXXX ) shows 8 years and 3 months old on my credit reports.This XXXX XXXX closed account should be removed

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 2023-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-01-19
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
In XXXX of XXXX, I began to review my credit file. After finding several inaccuracies, I began to dispute the inaccurate information asking for an investigation to be done by the credit bureau for the items reporting on my credit file. To date, I have not heard anything from XXXX regarding my request for investigation. They have continued to ignore all requests which leaves me financially harmed due to an inability to obtain an extension of credit. I have sent requests on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. To date, absolutely no changes have taken place on my file, or have I received any response to the numerous requests made concerning the incorrect information reporting on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
1 ) My XXXX XXXX Credit Card is not reporting on all 3 bureaus and it should be. 

2 ) I have tried repeated times to get inquiries off of my report that I am not aware of. To make it worse some of those inquires show up multiple times on my credit reports on all 3 bureaus.

3 ) My XXXX XXXX Credit Card does not show up on my Equifax report but shows on XXXX & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
These accounts are inaccurate. Please delete and take off all 3 credit reports

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 2020-09-18
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received my credit reports and observed Santander Consumer USA as a listed debt with a XXXX   balance on all three of my credit reports ( XXXX, XXXX and XXXX ). XXXX reflects that  {$3200.00} was written off ; however, XXXX or XXXX does not reflect a charged off dollar amount. I do not recall this account ; therefore, I mailed a certified letter, XXXX XXXX XXXX XXXX XXXX to Santander Consumer USA on XX/XX/2020 and per the United States Postal Service tracking website, it reflects that Santander Consumer USA received my validation letter on XX/XX/2020. To date, I have not received a response nor any validation of any sort from Santander Consumer USA and this is quite frustrating. They are placing a negative account on all three of my credit reports but won't provide any documentation or response of any kind to support this debt belongs to me. They have had more than 30 days to respond to my certified letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: Weinberg Mediation Group LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I sent the Weinberg Mediation Group a validation debt letter, and cease and desist letter. They continue to call and  harass my mother and I.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial. I

Company response to consumer: Closed with explanation