BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-10
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My daughter was scammed by someone and sent the money via PayPal. Paypal allows these people to take money from unsuspecting people and doesnt offer help just lets these people steal their money

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I recently ( XX/XX/XXXX ) had two positive changes to my XXXX acct ; 1 ) XXXX increased my credit limit by {$6200.00} -- improving my utilization ratio 2 ) FULLY paid bal on XXXX to {$0.00} bal. These changes were noted on my Equifax report ( via XXXX XXXX XXXX on XX/XX/2019 It would seem that these positive changes would have potentially increased my score. However, the reported changes caused my Equifax score to go DOWN 11 pts to XXXX ( as the new score )! On the other hand, my XXXX XXXX score INCREASED 6 pts to XXXX ( after the same changes were applied ). I called XXXX XXXX and they told me I had to contact Equifax, as the score is determined by the credit reporting company. Due to systemic technical issues, I was unable to submit a written investigation request directly to Equifax. I then called Equifax and was informed that they " understand my concern '' but, I will need to contact XXXX XXXX!! I have submitted two written requests to XXXX XXXX to investigate and correct. On XX/XX/XXXX, I finally got a written response to one request in which XXXX states again that they " understand my concern '' and list the factors contributing to the new lower score, all of which I am aware of, BUT DON'T APPLY IN MY CASE, NAMELY : 1 ) My utilization did NOT increase ( it actually improved! ) 2 ) I have 100 % timely payment history on ALL  accounts 3 ) NO derogatory mark has been added to my report 4 ) No old account was closed 5 ) No new account opened that has not already been accounted for. 

I am requesting that Equifax review the score and adjust accordingly. I can not understand how two positive changes, could bring my Equifax score DOWN 11 pts, to XXXX ; while those same two changes INCREASED my XXXX XXXX report by 6 pts to XXXX. 

PLEASE help me correct this as I am getting the runaround by both the credit agency and XXXX XXXX. I have been diligent in monitoring my reports, and have worked very hard to come from Bankruptcy to this point in my credit history! Thank you so much for your help. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked credit report agency to verify accuracies on my credit report on XX/XX/22 for {$140.00} to XXXX XXXX XXXX. 
In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX, has violated my rights. 
15 U.S.C. 1681 section 602 A states I have a 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 response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: ENOVA INTERNATIONAL, INC.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I borrowed money from this company but I can not afford to pay it back with the high fees. My checks were garnished from federal and state level and a levy is on my home. I have given everything out of my accounts and I have monthly payments garnished for the next few years and a levy on my home. Due to obligations with the government, I ask to pay pennies on the dollar for original amount borrowed. I really have nothing left.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: Experian Information Solutions Inc.
State: NV
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:
Dear CFPB, I am seeking help, my rights have be violated as per 809.Validation of debts Credit Reporting Act ( FCRA ) , 15 U.S.C. 609 and Fair Debt Collection Practice Act ( FDCPA ) 809 ( B ) by XXXX  & XXXX  regarding the reporting by XXXX XXXX XXXX. I sent a letter of validation in response to the letter notice of payment by XXXX XXXX XXXX. XXXX  & XXXX  has NOT conducted a proper investigation. XXXX  & XXXX  failed to properly respond to my letter with specific request for method of validation and has since now to put erroneous and inaccurate information on my credit report. XXXX XXXX XXXX has failed to report to Experian that this matter is in dispute prior adding it onto my credit report and by law can not pursue any credit reporting agency until the matter is resolved. XXXX  / XXXX  & XXXX XXXX XXXX has not legally validated this debt as per required by theFair Debt Collection Practice Act ( FDCPA ) 809 ( B ). A credit card statement is not a legal validation of debt as It is Not A CONTRACT. XXXX XXXX XXXX has failed to produce any contract or ownership or legal assignment / transfer and or legal affidavit purchase of the debt. XXXX  & XXXX  failed to properly obtain any such agreement in its investigation while clamming the account was verified by a " Statement page '' Reporting it as actual fact. Seeking Interest of fees without a contract is a violation of the FDCPA. Reporting inaccurate information is a violation as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 609 and Fair Debt Collection Practice Act ( FDCPA ) 809 ( B )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: Experian Information Solutions Inc.
State: NV
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:
For background : in 2015 I was going through a divorce and needed to get rid of my ex-wife 's car under my name. I talked to XXXX ( XXXX XXXX XXXX ), and they said I could take this car back to the dealership essentially, " give it back. '' I did this at the end of 2015, taking the car to XXXX of XXXX in XXXX, Maryland. Two month later, XXXX sent me a letter saying the car would be " repossessed and sold at auction '' if I didn't make payments, and a month later the car was sold. At this point they had already had possession of the car for 3 months and had stopped sending me bills so this was confusing. I spoke to XXXX XXXX XXXX, the woman said they sold it, sold off the remaining debt, and I owed them nothing. She also said I didn't own any third party debtor, that as far as they were concerned the account was closed. 

Fast forward 6 years, and no one has ever contacted me for any debt. I have no current account at XXXX, and they can't even look me up by my Social Security Number. Yet, All 3 credit bureaus showed there was about $ XXXX ( the amount written off ) balance, but {$0.00} owed. This was fine, except one of the credit bureaus showed a monthly reported payment status and I was trying to correct this. 

Using the XXXX XXXX app, I disputed the current balance at XXXX. It should have been a {$0.00} owed balance. They looked into it, and in the end they decided the balance was correct and changed it to an ACTIVE account, making my credit score drop 124 points! The problem here is I'm currently in escrow and buying a home. I close in 2 weeks and this puts my home purchase in jeopardy. I reached out to XXXX but since I'm currently on a work assignment in XXXX XXXX, XXXX, I'm only able to reach them through XXXXr messages. I haven't gotten a response there so far. 

Please help! Not only is this a closed account, but I owe {$0.00}. I have no idea who I would even owe this to. It's not XXXX - I checked. No one else ever contacted me for any debt. It's a complete mystery and should be off my 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 2022-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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 was enrolled in Electronic Statements for my XXXX XXXX through Bank of America. I use this card very infrequently. I had forgotten I used the card in XXXX. I did not receive any electronic statements in XXXX or XXXX of XXXX. In XX/XX/XXXX my account was flagged by XXXX as having potentially negative information which was emailed to me. Upon my checking, BofA had listed my account as 30 days late. I called BofA and spoke to a Customer Service Rep and explained that I was enrolled in Electronic statements since the opening of the account and never received any electronic statements. She said she would " start '' a dispute, but nothing has changed on my credit report, which due to this one " late payment '' is now XXXX points lower. I then wrote to BofA by USPS to again request the 30 day late reporting be removed as it was a result of their failed system and not due to any wrongdoing on my part. I paid the balance immediately once I knew there was an issue by XXXX. I have disputed the 30 day late reporting with XXXX twice with no avail. My credit rating prior to this incident is outstanding. I have worked hard for my credit score and one late payment has plummeted my score to have to start all over again. I should not be penalized for the failures of BofA to keep their customer 's informed as required by law. It was a direct failure of their system that has caused severe damage to my exemplary credit standing. The first statement I received electronically was in XX/XX/XXXX after I called to complain I had never received any statements prior. I have asked that as a sound, well paying customer even as a courtesy the 30 day late be deleted with no response from the company. BofA has a fudicary duty to its customer 's and I am protected by Consumer Laws to be notified of charges, which they failed to do. Their system failed and has caused extreme damage to my credit score, reducing my credit worthiness and my ability to fund my businesses. I have attached the two payments that were made. The first was on XX/XX/XXXX after XXXX notified me of potentially negative info on my credit report. The second was on XX/XX/XXXX after I received the first statement in a year.

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 2022-04-25
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Merchant Credit Guide is a debt collector trying to collect a debt for a XXXX XXXX XXXX XXXX the owner will have his employees stop calling me and i get phone calls every month and this has to end.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16
Company: Experian Information Solutions Inc.
State: TN
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:
We sold our house in XXXX XXXX, California starting escrow in XX/XX/2021. Our mortgage company was XXXX, and the escrow company was the XXXX XXXX XXXX. During the escrow process, the XXXX XXXX XXXX was supposed to take care of the mortgage payment ( s ) ( $ XXXX/month ). The escrow process was longer than planned ( stretching over a two month period ), and during this time our mortgage was not paid at all by the XXXX XXXX XXXX. However, XXXX never sent us a certified letter nor notified us in any ways about the missed payments, and we only found out about them after two payments have been missed and my husband received a credit bureau notification about a delinquent account on a Sunday morning. When we called XXXX to advise them we were in the process of selling our home and that XXXX XXXX XXXX was supposed to pay our mortgage in the meantime, XXXX advised us that no one had been paying it and that they were not aware of us being in escrow at all. They advised that a payoff quote for our home was requested from them in early XX/XX/2021, but there was no follow-up to it. It took us several days of long calls between the XXXX XXXX XXXX and XXXX to get the issue solved, and at the end XXXX XXXX XXXX took responsibility for the missed payments, and paid them ( along with the late fees ) during the payoff process. The XXXX XXXX XXXX investigation revealed that they wired money to a wrong account at the time, and no one realized they did not pay our mortgage. At the end of their investigation, the XXXX XXXX XXXX provided us with an email to send to the credit bureaus about the XXXX XXXX XXXX fault in this matter ( in which they explained it was their fault that the payments were missed during the escrow process, dated XX/XX/2021 ), in order to get the late payment delinquencies removed from our credit histories. However, the credit bureaus advised that XXXX had to remove those delinquencies. When we contacted XXXX, they refused to assist us in this manner, claiming that our account was closed out and there was nothing they could do. We notified the credit bureaus and provided them with that email as proof, also filing claims to remove those delinquencies with all three bureaus online. We are currently trying to obtain a mortgage and are unable to do so due to the delinquent mortgage payment history from 2021 that resulted from this issue, even though we have documentation to prove that it was not our fault.

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 2019-07-10
Company: Experian Information Solutions Inc.
State: MD
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:
On XX/XX/2019, a check was submitted and cleared to XXXX XXXX XXXX in the amount of {$26000.00} to pay off auto loan, XXXX XXXX. Initially, XXXX XXXX resisted providing me with a paid in full letter, attached, but subsequently relented. I then disputed the balance on my Experian account, but XXXX XXXX validated the debt as accurate, which has severely impacted me. XXXX XXXX provided me on their letterhead validation that the debt was paid in full ; but subsequently advised Experian that the debt was valid. 

This is collusion amongst a credit bureau and subscriber to impact consumers and ultimately drive up interest rates and cause adverse actions for consumers.

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 2019-10-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My sister sent me funds from her checking account through XXXX and the transaction failed according to XXXX and the funds were sent back to my sisters bank account ( Wells Fargo ) however Wells Fargo never received the returned funds. Multiple calls have been made to XXXX and Wells Fargo and investigations go no where. I also filled an investigation with my bank confirming transaction was never received. These transactions, equaling {$400.00} have yet to be resolved and no monies have been received by myself nor my sister.

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 2022-04-07
Company: EQUIFAX, INC.
State: OR
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 XXXXXXXX # 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, 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: EQUIFAX, INC.
State: TN
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:
Since XX/XX/XXXX, I have written four certified letters ( attached ) to Equifax regarding inaccuracies and FCRA violations of the XXXX XXXX account XXXX on my Equifax credit report. They have not corrected the multiple problems I have pointed out to them nor have they included my Notice of Dispute for this account which is required to be done within 30 days of being notified. There is also clear evidence of re-aging on this report. All of these actions are clear FCRA violations. According to Title 15 U.S. Code 1681i : Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

The XXXX XXXX account is shown in red on the attached letters with specific inaccuracies and FCRA violations which as of XX/XX/XXXX still have not been corrected : 1. ) An invalid, incorrect Date of Last Activity 2. ) Not listing my Notice of Dispute within 30 days of my notifying them. 

3. ) An incorrect Payment History and Date of Last Payment 4. ) Clear re-aging of this account This account needs to be deleted immediately due to inaccuracies and clear FCRA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I did an international wire transfer to XXXX XXXX XXXX XXXX XXXX, ( beneficiary ) of XXXX, via my credit union ( BECU-Boeing Employees CU ) on XX/XX/XXXX for an upcoming XXXX  XXXX in XXXX and XXXX this XX/XX/XXXX. I was told by BECU that funds would be credited to the beneficiary no later than XX/XX/XXXX. Transferred amount of {$5600.00} was for covering the transportation and accommodation fees for the 10 day trek ( XXXX to XXXX and back for my wife and I ). 

The XXXX XXXX has yet to receive the money transferred. I called BECU around XX/XX/XXXX and was told that I could file a wire trace on or after XX/XX/XXXX, which I did. I did not hear from BECU on the status so I went to a local branch ( XXXX ) on XX/XX/XXXXto talk to a customer service specialist and requested for retrieval of funds since they did not seem to be able to trace where the wire transferred funds appear to be. The specialist told me that the retrieved funds should be transferred back into my account within 24-48 hours. 96 hours have passed and still no sign of the funds being retrieved back into my account. I called the customer service department and was told that BECU can do nothing since the beneficiarys bank ( XXXX XXXX XXXXXXXX XXXX ) had not responded to their request for retrieval of funds. The customer service specialist would not let me talk to their wire transfer department personnel even though I informed him that I wanted to know why they do not seem to know the where abouts of the funds. I told him I had spent quite a lot of money for travel to XXXX and if the XXXX XXXX doesnt have the XXXX fees delivered before the start of the XXXX, my wife and I will not be able to go on the XXXX. He just refused to connect me to the wire transfer department saying that they do not interact with customers. This was patently false statement as I had talked to them a couple of times while checking on the status of my wire transfer. 

I here by request CFPB to look into this lack of response and negligence on part of BECU in tracing and retrieval of my funds. I will greatly appreciate your help in an expeditious resolution of this matter. 

XXXX XXXX XXXX XXXX - cell XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
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:
I owed US Dept Of ED {$1300.00}. Upon applying for a home loan I was advised to take care of this debt. I called them XX/XX/XXXX and was told they couldn't accept full payment due to an error within their system. They offered to settle for {$1100.00} and i agreed and paid over the phone. I received email confirmations of account status and confirmation of payment. 
As of XX/XX/XXXX they are reporting a balance of {$200.00} on the account. I called and confirmed my payment status but was told there was an error with their system and no other explanation why a balance is reporting.

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