BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-27
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/19, I signed up for a free trial of a XXXX XXXX   service. The service required pre-authorization for future months, so I authorized via PayPal. Immediately, the PayPal app authorized a debit of {$19.00}. I then contacted PayPal thru their online support and reported an unauthorized debit. In minutes, my claim was denied. I tried to dispute the charge twice more, and each time my dispute was rejected with no clear explanation. 

Finally I contacted the XXXX XXXX service, and that service issued a refund with XXXX minutes. 

XXXX days later, PayPal removed {$19.00} from my account, and is now holding the refund for the usual " XXXX business days ''. 

This is the second such time PayPal ignored refund requests from the vendor and me and held funds from my account for a period of days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
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:
Hello. I was made aware by XXXX XXXX that a bankruptcy was on my credit report. I wrote the Equifax credit bureau twice and included letter from the US Courthouse, XX/XX/XXXX and XX/XX/XXXX requesting their method of verification and I received letters stating that they used a 3rd party company to obtain the record. I visited the XXXX, Ga US bankruptcy court and they stated that they do not verify such information. See attached letter. And it is my understanding after research that only courts can verify this type of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: NC
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:
XXXX & Equifax used and sent out my Records without my consent, I have multiple hard and soft inquiries that I did not approve on my account.

No action was taken on my side because I hold no authority but you guys do.

I Have Hospital debt that goes through the roof and all I did was sit in the lobby. 15 US Code 1681 B- a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Self Financial Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I open a account with the credit builder company Self inc. in XX/XX/XXXX The amount of {$730.00} was supposed to be paid out to me from the credit builder company. I never received the payout and the credit builder was reporting on my credit that I still owe them a balance on the prepaid credit card. I tried multiple times to reach out to them via chet on the mobile app and was unsuccessful. My plan was to take The {$730.00} to pay off the prepaid credit card then cancel the account myself. Ultimately in XX/XX/XXXX the credit builder close the account they took {$650.00} from my payout to pay on the prepaid credit card. Instead of paying off the credit card with the {$730.00} payout. The credit builder sent {$75.00} to my checking account, which leaves me with a {$67.00} pre-pay credit card bill that is reporting negatively on my credit report. I spent the last XXXX years making on time payment to build my credit through this credit builder and at the end of terms they didnt agree to the terms and negatively affected my credit which voided out all the credit Ive built in the past two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Early Warning Services, LLC
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I used Zelle to send {$4700.00} to a potential XXXX. I sent the money in 3 separate transfers on the following dates : XX/XX/2022 | {$2000.00} XX/XX/2022 | {$1100.00} XX/XX/2022 | {$1500.00} The money was supposed to be used for moving in costs on a new potential home for myself and my family. The XXXX started asking for more personal information than what was necessary and, after I addressed the sensitive nature and my being uncomfortable with it, they stopped communicating with me. 

I immediately contacted the XXXX site, XXXX, and had the property listed as fraudulent. 

I contacted my bank, XXXX, first, but they said since I initiated the transfer for services that, they have no protection rights, and they have no recourse to assist with me getting my money back. They gave me the number to call Zelle.

When I called Zelle, the automated line stated that if we used Zelle through a banking app, that I should contact our bank for assistance and to hand up the call. 

Neither XXXX nor Zelle are willing to help me after I've been scammed of almost {$5000.00} I needed to help find a new home for my family. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: PR
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:
ATTACHED I INCLUDE THE CREDIT REPORT OF A ACCOUNT THAT STILL REPORTING OPEN WHEN THIS ACCOUNT IS CLOSED SINCE 2018 ELIMINATE THIS ACCOUNT THAT IS REPORTING INACCURATE INFORMATION ON MY CREDIT 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 2023-08-01
Company: WELLS FARGO & COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
WellsFargo charged me interest on a balance already paid XX/XX/23 XX/XX/23 INTEREST CHARGE ON PURCHASES {$210.00} XX/XX/23 XX/XX/23 PAYMENT - THANK YOU # XXXX + {$11000.00} The account balance was paid down below XXXX $ but as you can see here I was charged interest 4 days after the balance was paid.

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 monetary relief
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-08-03
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Idaho Housing And Finance Association
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My account is being reported as delinquent and they are refusing to correct it. They keep telling me a loan counselor will contact but that has yet to happen. I have attached evidence of my multiple attempts to contact this loan servicing company/lender and they keep giving me the run around. 

Today XXXX XXXX XXXX XXXX XXXX XXXX, transferred to XXXX, transferred tp XXXX which went to voicemail at XXXX. 

Called back again XXXX XXXX spoke to XXXX and got hanged up on Called back XXXX XXXX, spoke to XXXX and then got transferred to XXXX and then transferred to a lady at XXXX whom i believe is named XXXX who started lecturing me on the process. Again they know they are in the wrong and trying to protect themselves. 

Please mind you that I sent a signed and notarized letter on XX/XX/XXXX which looks like it was never processed and they are claiming it is because the letter was expired. This should not have been reported as delinquent since i was on an approved forbearance plan. I have been making my regular mortgage payments for over a year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
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:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit 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 2023-08-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
On XX/XX/XXXX, I received an email from XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX In this letter of denial of a rental, I was informed that my rental history was unsatisfactory or insufficient. In the email they indicated that that that information was obtained from Equifax Credit Bureau. 

I pulled my credit report from Equifax. There was no rental history listed. In my investigation of this information, I read that Landlords are not considered creditors and therefor do not necessary report such things. However, I was told that that was where it was obtained. I have no idea why when I pulled my credit report it was not there. 

Additionally, the apartment complexed used XXXX XXXX XXXX. The Apartment obtained my AI score from XXXX XXXX. Amazing! XXXX XXXX also reported inaccuracy in my credit report relating to my addresses, and gave a criminal background check to the Apartment. The XXXX were from XXXX and XXXX were reported to XXXX XXXX by XXXX XXXX XXXX XXXX. 

So I guess I want to report all three companies. I am not sure where XXXX XXXX XXXX XXXX are located ; however, they have a D with the XXXX 

The XXXX XXXX is located at XXXX XXXX XXXX. XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: CNG HOLDINGS INC
State: KY
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 sent a letter of convergent asking for : 1. Validation of the debt-that is, the actual accounting. 

2. Verification of a signed invoice. 

3. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 


However, according to 15 USC 1692 ( E ), 15 USC 1692 ( D ), AND 15 USC 1692 ( B ) Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication of a debt. 


A loan agreement is a contract and so there has to be full disclosure of all the details ( which there wasnt, both sides have to put up something of equal worth ( which didnt happen ), the contract has to be signed is wet ink by both parties. 

Contract : a written or spoken agreement, especially one concerning employment, sales, or tenancy, that is intended to be enforceable by law. 
" both parties must sign employment contracts '' A statement is not an Invoice so would you please provide a signed Invoice as requested. 

A loan application does not constitute a Contract as it only signed by one party and I asked for a copy signed by both. 

Once again, I am demanding the requested documents to be sent to me within the next 14 to 28 days and if this does not happen than I will consider the debt to be fully discharged and for my property returned to me. 

Kind regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: Experian Information Solutions Inc.
State: OH
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:
Information on my Credit Report has been remove, and then they put it back onto the credit report. I have sent over proof of letters from the creditor itself, to remove the fraudulent accounts, along with police report, and identity theft letter. But Experian, XXXX XXXX, and XXXX all totally ignore both police, and letters from the credit as my proof. I can't afford a attorney at this time.

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 2022-09-14
Company: Global Lending Services LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
XX/XX/2022 I was denied credit by GLOBAL LENDING SERVICES I was under the impression that XXXX XXXX XXXX that they were only going to take a look at my credit then I started receiving inquiries from GLOBAL LENDING SERVICES and another bank but was not approved. I received an adverse action letter from GLOBAL LENDING SERVICES stating " We regret to inform you that we were unable to offer you Credit on the terms originally requested. However we could approved your application if certain terms or conditions are met. '' I was denied an extension of my own credit have damages dragging down my credit score but not car nor credit. 12 car 1002.7 states " A creditor shall NOT refuse to grant an individual account to a creditworthy applicant on the basis of sex, marital status or any other prohibited basis ''. I have clearly been discriminated against and that is unfair I did an application with good faith and good intentions and haven't received the same in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
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 the following accounts have violated my rights. 

XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX  account # XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # 1195**** 15 U.S.C 1681 Section 602 ( A ) States, I have the right to privacy.

15 U.S.C. Section 604 ( A ) States, A consumer reporting agency can not furnish an account without my written consent or 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 2022-09-14
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I applied for XXXXXXXX XXXX credit card with XXXX XXXX XXXX They told me that they couldnt verified my identity. They told me to fax them my drivers license, passport, power bill, renters insurance, lease signed, and a utility bill which I sent XXXX XXXX  to them. They sent me back a reply they couldnt verify my identity and had promised me a renters credit line of {$50000.00} by XXXX XXXX XXXX through XXXX XXXX XXXX. They scammed me and got all my information. When they receive the fax I paid $ XXXX to fax them they sent me a copy of the same exact letter as before. I did speak with them by phone as I called them to see if they received the fax. The guy told me it was in the process as received and approved

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 2019-12-04
Company: Exeter Finance Corp.
State: GA
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 contacted the credit company advising of the information reporting on my credit report this issue has been going on since XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've authorized to gain products, services, or money. Please remove the following 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 XXXXXX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: WI
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 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 or inquiries listed here. 
XXXX XXXX Balance : {$37000.00} XXXX XXXX  XXXX XXXX : {$10000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$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 non-monetary relief