BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-03
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:
There are several items reporting incorrectly on my credit file. Please remove the following items : Incorrect Personal Information : Names : XXXX, XXXX, XXXX ( TU ) Names : XXXX, XXXX, XXXX ( TU ) Names : XXXX XXXX ( TU ) Names : XXXX XXXX ( XXXX  ) Names : XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX XXXX ( TU ) The following accounts are reporting inaccurate credit status : XXXX  - Date Open : XX/XX/XXXX ; Bal : {$0.00} ; I was never late ; ( TU, XXXX, XXXX ) XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$0.00} ( TU, XXXX  & XXXX  ) The following accounts is reporting as a result of Identity Theft or Fraud : UNKNOWN - Date Opened : XX/XX/XXXX ; Bal : {$160.00} ( XXXX  ) XXXX XXXX  - Date Opened : XX/XX/XXXX ; Bal : {$0.00} ( XXXX  ) UNKNOWN - Date Opened : XX/XX/XXXX ; Bal : {$220.00} ( 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 2018-03-09
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: Information belongs to someone else

Complaint:
The whole year of 2017 i had sent letters after letters to Experian and XXXX complaining to them that my files are crossed filed with my fathers, hes a Sr and I am a Jr.The item is a Repossession of acc # XXXX  that's reporting on my file and their response is that its been verified as mine. I've written numerous of letters stating that i need verification of the contract that was signed by me as the consumer with my social security number on the contract, but they have not produced no contract at this time. I am fed up and about to go file with my claim if this does not get resolved soon. I have already sued them before for what they have done to my reputation and about to do it again if this item does not come off my report with out verification. This has happen to me before with our files getting mixed up.I need them to provide me the burden of proof that i was the buyer of the vehicle when purchased with my signature and social security number on the contract.

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 2017-08-01
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have contacted all 3 Credit Reporting Agencies via USPS on several occasions asking them to provide me with the " ORIGINAL '' signed documents sent to them by the original creditor/furnisher for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX # XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX {$8600.00} Under Federal law the Fair Credit Reporting Act ( FCRA ) requires the Credit Reporting Agencies ( CRA ) keep the " ORIGINAL '' signed documents submitted by credit reporting agencies/furnishers on file. Under Federal law FCRA Section # 609 also requires CRA to verify " ORIGINAL '' signed documents to validate the validity of the account before they report in to the consumers credit report. Section # 610 of the FCRA requires the CRA provide the consumer with the " ORIGINAL '' signed documents submitted by the credit reporting agencies if it is requested in writing, within 30 days of the written request. I have been requesting the above mentioned documents since XXXX 2017 and have yet to receive ANYTHING from the Credit Reporting Agencies. I am once again asking Experian to provide me with the " ORIGINAL '' signed documents submitted to them by XXXX XXXX XXXX in the amount of {$8600.00}. If the Credit Reporting Agencies can not provide me with the " ORIGINAL '' signed documents I demand that they delete/remove this account from my credit report. If this account is not removed my credit report within the allowed 30 day period my next course of action will be to hire an attorney and file a law suit. Any attempt to collect this debt without validating it violates the Fair Debt Collection Practices Act ( FDCPA ). The law is very clear to the civil liability and the remedy available to me for the " negligent non-compliance '' ( Section # 617 ) if the Credit Reporting Agencies fail to comply within the laws.

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 2021-05-23
Company: WELLS FARGO & COMPANY
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I called to speak with them, I told them I wasnt able to pay what they were asking at the time and they said it would negatively effect my credit if I didnt pay. I ended up paying in full.

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 2021-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Mortgage company ( XXXX XXXX  ) did not credit my mortgage payment, that I paid a few days earlier. I had proof and obviously they could see I paid on time. The problem was no one could help after multiple attempts to get someone help fix their mistake. 
I finally got a hold of someone, who knew what the mistake was, unbeknownst to her, she did not understand why it happened. I finally was credited for the payment I did make on time. 
Today I went in to check my Credit score And mortgage company had sent a missed payment on the mortgage that I had paid. I have bank statement showing no late payments. How do get this fixed Thank you 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 explanation
Consumer complaint received 2018-03-09
Company: Experian Information Solutions Inc.
State: AL
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:
Like so many consumers throughout the USA, I am enslaved by the Credit Reporting Agencies Their intent is to keep consumers credit scores as low as possible and making it difficult to remove any negative items from their personal credit reports.

Experian is the number one choice of most Credit Card Companies and the number one violator of consumer rights under the FCRA. I like millions of others have worked for months and years of time and spent thousands of dollars to correct our credit reports. It would take pages and pages to document dates and actions.

I had finally got all of the incorrect information from my reports incurred by Identity Theft when I was hit by a rash of hard inquiries on primarily my Experian Credit Report. I had a 7 year Fraud Alert on my Experian report effective XX/XX/XXXX. Despite this 7 year Fraud Alert, Experian continued to allow hard inquiries.

I contacted Experian and spoke with a call center in XXXX XXXX  and a portion of the hard inquiries were removed. There remains some hard inquiries that is hurting and denying me credit opportunities.

The Hard Inquiries that Experian has not removed after disputes by phone are as follows : 1 ) XXXX Inquiry Date : XX/XX/XXXX ( Bank Credit Cards ).

2 ) XXXX. Inquiry Date : XX/XX/XXXX ( Bank Credit Cards ) 3 ) XXXX XXXX XXXX. Inquiry Date : XX/XX/XXXX ( Bank Credit Cards ) If have not signed a credit application requesting credit from these companies and Experian violated the terms of my Fraud Alert.

Unless Experian has a signed and dated Credit Application they must be removed. XXXX XXXX XX/XX/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 2021-03-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for WellsFargo Propel credit card on XX/XX/XXXX. I got an incomplete decision on the credit card. On the same day I called WellsFargo Credits Service Customer Care they mentioned I will receive a letter in the mail. A few days latter, I receive a letter asking me to call Customer Care and verify my identity. So, I call Customer Care again on XX/XX/XXXX, they verify my SSN and tell me that I should get a decision in 24 hours. I call again the next day XX/XX/XXXX, the rep tells me they need an additional form filled which I will receive in the Mail. I fill the form and send it around XX/XX/XXXX ( Unsure on the exact date ). I get no response from WellsFargo for the next month. I call Customer Care again on XX/XX/XXXX to ask about the application, the rep tells me that they had not review my application and will review in 24 hours. I call again on XX/XX/XXXX, they tell me that the application date has elapsed and they can not do anything, I ask them to remove the hard credit check since it was their mistake they did not review my application. Their response is that they would remove the check if I applied for the Card again but can not do anything otherwise. I ask them to still check, they said we will in 24 hours - I got no call. So on XX/XX/XXXX I called customer service again, they reiterated that if I reapply my older credit check would be removed. So I reapplied on XX/XX/XXXX, called customer service again after applying - they tell me my decision will be in 24 hours. I ask them to remove the previous check - they tell me it will be removed. I call again on XX/XX/XXXX - they tell me my credit card reapplication has been rejected - I ask for my credit check to be removed which they still haven't done. I ask the rep to transfer me to the complaints department - the rep says there is a system error which is not allowing it. The rep said they will call me in 1-2 days, I do not expect they will call. 
I have called WellsFargo a total of 8 times for this issue. None of my concerns have been resolved. Each call lasted at least 15 mins before I could even start discussing the issue.

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 2020-07-06
Company: Medical Data Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In a review of my credit file, this company, Medical Data Systems, reports a medical debt on my credit report. I have no contractual agreement with this company. I did not sign any documents or even know about this company. I believe they are trying to take advantage of the elderly.

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 2018-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I was recently notified by XXXX XXXX, that TransUnion has stopped recognizing an open account of mine that has always been on my credit reports. In my case, XXXX XXXX in Connecticut. An active account I have had for years and was never late on. When they did this ... my credit score dropped by over 70 points. I never authorized them to do so. They just took it upon themselves to delete it and my credit rating suffered greatly. What gives them the right to do this?

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 2021-09-10
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am really hoping you can help me, last XX/XX/2021, Paypal sent me an email informing me that they are permanently ceased me from using my paypal account and the funds on my account will be on hold for XXXX, they said that they will make my money available for me on or before XX/XX/2021 and they will inform me thru my email, yet they haven't sent me an email on how i can get my money back and i have sent them an email 3 times now, but there were no response from them. Its been very frustating for me for Paypal to hold my money for such a long time especially with the current situation ( pandemic ) still i patiently waited for the date they said my money would be available but no response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Experian Information Solutions 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2018-07-03
Company: Arnold Scott Harris, P.C.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I and XXXX friends legally parked at a metered space in the XXXX XXXX XXXX. On XX/XX/XXXX, I received a Notice of Parking Violation from the City. I filed an Appeal on XX/XX/XXXX, and sent accompanying proof of payment of the meter, documentation from friends acknowledging meter was paid, and that the meter service was incorrect and I owe no fine. On XX/XX/XXXX, I received a reply ( dated XX/XX/XXXX ) allowing me until XX/XX/XXXX, to pay the improperly and illegally accessed fine. After contacting elected XXXX XXXX officials, I was advised to contact legal entities regarding this illegally accessed fine. On XX/XX/XXXX, I wrote to the 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 XXXX XXXXXXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX, XXXX XXXX at the XXXX XXXX regarding my appeal of the validity/Finding on Ticket XXXX. I was not afforded the opportunity to file a 2nd appeal as others have been documented and allowed to file. I resubmitted my Appeal anyway and since I do not reside in Illinois, I was not able to appear in person and fight this bogus fine. Again I provided definitive written and photographic proof, including proof of credit card payment of the parking meter fee, but have received no favorable response from the XXXX XXXX  XXXX about this improperly assessed fine. I also mailed a written notice of my grievance against XXXX XXXX XXXX XXXX XXXX XXXX or a contracted legal contractor handling matters on her behalf for this action that violates the judicial code by showing improper review of evidence, improper finding, and the miscarriage of  justice against me in this matter. Now the illegal action of assessing an improper fine has resulted in increased charges and the original fine for not paying the {$8.00} meter fee which I proved beyond any doubt was paid has resulted in me being contacted by US Mail by XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX for a debt that I do not legally owe in the amount of {$150.00}.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This is an ongoing issue XXXXLoan Depot Refuses to take reponsibility for there incompetence .I was led to believe my monthly mortgage payment with escrow account would be {$1500.00} .They had all documents including Ca .Fair Plan insurance  and failed to add to amount Two weeks after closing I was contacted by Ca.Fair Plan to pay {$1700.00} now or be cancelled .I assured them this was to be included in my new loan! Thats how I found out they had not include this in escrow .Great no fire insurance! Is this even legal to fund a house .Our agreement was OBVIOUSLY to have this included with taxes and other XXXX XXXX, again they had ALL documents in their possession ( XXXX XXXX was managing this transaction ) They say not their problem .Fraud or incompetence .Math  360x {$140.00} = {$53000.00} .Presently I am on fixed income, this was not calculated into my monthly bills.I am only asking to be treated fairly .This was not my mistake but Loan Depots.I am only asking to be treated fairly .I believe it wouldn't be so hard for them to adjust interest rate to compensate for this to keep my payment at agreed upon amount. {$1500.00} per month.I believe Loan Depots incompetence and may now be considered fraud and should compensate ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: CCS Financial Services, 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:
On XX/XX/2018, CREDIT COLLECTION SERVIC added a Derogatory Mark on my credit report per XXXX XXXX. Upon, further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, CREDIT COLLECTION SERVIC has violated my rights as a consumer an I'm requesting legal action to remove this account immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Action Collection Service
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calling and leaving voicemail to return call, but not stating they are a debt collector

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2020, I visited the SEARS on XXXX XXXX in XXXX XXXX, CA to make my payment. Unfortunately, the store closed. This store has been here in our community for over 30 years and is how I make my payment every month. I later made arrangements to make the payment via the internet. I've been a sears client for a very long time. I reached out to sears customer service but they did not help me what so ever. I was charged a late fee of {$28.00} On XX/XX/2020, I was on hold with Sears to discuss this matter and to make my XXXX payment. I was on hold for over 2 hours. My phone died and was not able to drive home on time to use my computer and make my payment on the internet. I was charged yet another late fee of {$28.00}.

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 monetary relief
Consumer complaint received 2018-07-13
Company: Commonwealth Financial Systems, 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:
I have several collection accounts with this collection agency that should be past the statue of limitations. They were emergency room visits from XX/XX/XXXX and this company bought the debt and marked it as new as of XX/XX/XXXX.. thus illegally reaging my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Chime Financial Inc
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My account at chime was hack I had chime to freeze account now it been almost 2 weeks now they are ignoring me and not opening the account back to me I need to file this complaint to get it back open please all my money is there I nothing for living on now

Company response to consumer: Closed with explanation