BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2021 : I went into Wells Fargo to make a wire transfer to another Wells Fargo account in the US for the amount of {$190000.00}. 

The other person verified that the money never arrived to his/her account. 
I have been contacting Wells Fargo ( both on the phone and inside the branch ) and the only resolution given to me was to wait. I have filed multiple complaints with Wells Fargo but they just bounce me around and keep putting me on hold. 

I have been waiting for 7 months and the money is still not back to my account. I have also tried getting from a lawyer but it did not bring any resolution. It is a large sum amount of money and it is causing a lot of trauma to the point where I feel depressed. This matter really disturbed my life and it is damaging my finances. 

I would really appreciate if CFPB can look into this matter and help me resolve with the bank.

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 2023-02-09
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:
Paypal permanently limited my account on XXXX XXXX XXXX PST Time with my fund of XXXX dollars that I can't withdraw.I tried contacting Paypal XXXX it but they said it's final. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: BARCLAYS BANK DELAWARE
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 a Barclays JET BLUEcredit card almost three months ago ... ..I didn't get a response stating what was going on so i called... they told me XXXXthey had to identify me... so they told me to fax over my Bill, Drivers license XXXX and the SSN ... .which i did ... ..a month later... .no response ... XXXXso oh course i called again ... and was told they received everything but they couldnt read the SS numbers ... ..which is weird because the copy is as clear as day... so i told them i will send it thru the mail ... .that was a month ago ... ... ... still no response... .I have submitted my documentation twice now ... and included my SS card which i feel is dangerous with all the indentity theft going on... and still no response... .its been three months at this points ... .I JUST WANT ANSWERS

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 2023-02-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX  XXXX Balance {$170.00} ; XXXX XXXX XXXX XXXX XXXX {$730.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This issue upsets me a lot because I know that it'll affect me with my further transaction and I know it'll become harder to make deals with credit. On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ).

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 2023-01-12
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:
THIS SELF FINANCIAL ACCOUNT XXXX IS REPORTING INACCURATE ON MY CREDIT FILE. THIS ACCOUNT IS PAID IN FULL AND ACTUALLY NEGATIVE OWING ME A CHECK THAT HAS BEEN PROCESSED OUT TO ME. I NEED THE LATE PAYMENT HISTORY REMOVED AND BALANCE UPDATED TO REFLECT XXXX  BALANCE IMMEDIATELY OR REMOVE THIS ACCOUNT COMPLETELY FROM 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 non-monetary relief
Consumer complaint received 2023-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
From XX/XX/XXXX to present day XX/XX/XXXXXXXX XXXX Capital One has violated my consumer rights on multiple occasions. 

This is a direct violation of Section 16 of the The Federal Reserve Act resulting in Civil Money Penalty as stated in Section 29.

This constitutes for An Act of Redresse of Inconveniences in accordance with the Cestui Que Vie Act 1666 ; 1666 CHAPTER 11 18 and 19 Cha 2. 

Please advise I have completed and submitted from 95 to the Department of Justice for Damages as well as IRS form 3949a to have your institution audited.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
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: Personal information incorrect

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 done or authorized to gain products, services, or money. Please remove the following inquiries and personal information : XXXX XXXX Date Updated : XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX/XXXXXXXX ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: EQUIFAX, 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 sent you a letter lately requesting that you re-investigate the wrong and incorrect entries in my file, but that does not resolve my issue. The items are still showing up on my credit record, and it's making it difficult for me to obtain fresh credit as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I contacted the credit bureaus XX/XX/2023 and informed them I am a victim of ID Theft and there are addresses and accounts listed on my credit file that I've never lived at. 
The following addresses are listed inaccurately on my credit file XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I sent a complaint to all three credit bureaus XX/XX/2019. Addressing XXXX XXXX on my credit report. XXXX XXXX Acct # that appears on my credit report is XXXX. My name is inaccurate and the account that is tied to this account is not mine. According to the complaint I filed XX/XX/2019 w/complaint ID # XXXX this account was removed from my credit report. As of XX/XX/2019 it was reported back. The exact same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Midland credit management has continued to threaten to sue me if I dont pay a debt which is against the law. I have disputed the debt many times as it is more then the original debt I owed to the company where the debt originated. 
The amount they say they owe is XXXX I received this letter on XX/XX/21. They have spammed me with phone calls despite the fact that I have told them to stop calling me. They call me on my work phone and have even contacted family members of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
This bureau reported misleading information and they trespassed my rights of privacy. They have failed to do their GRAVE RESPONSIBILITY which is to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. This is a direct violation of federal law. Their negligence has caused me distress and I'm seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
For about 36 months, there was an incorrect reporting of a XXXX XXXX account of mine on my credit report. I had consistently attempted to have this information corrected. Each time I filed a complaint, the credit reporting agencies appeared to have sided with XXXX XXXX. After I filed a complaint against XXXX XXXX through the CFPB, the response received from XXXX XXXX response seems to to blame the credit reporting agencies for the incorrect reporting of my XXXX XXXX account. This inaccurate reporting of my XXXX XXXX account caused great harm to my credit score. This is part of the the statement from XXXX XXXX in their response to me on or about XX/XX/XXXX before their credit collector sued me in court and as such, caused me even more financial harm : " We have received multiple electronic disputes from you through the e-OSCAR electronic dispute portal. e-OSCAR is a web-based system that allows credit reporting agencies to respond to disputes. Data furnishers help the credit reporting agencies respond to disputes that are submitted through e-OSCAR. As a data furnisher, XXXX provided responses to each of your disputes directly to the credit reporting agencies through e-OSCAR. Upon receipt of your complaint, we completed another review of the account information displayed in your credit file for account XXXX found that updates are still required at XXXX, where the high credit/original amount and the charge-off amount are missing, and the payment history still does not match our system of record. At TransUnion, this account is reflecting an incorrect closed date, which should be XX/XX/XXXX, the date of sale. At XXXX, the payment history still shows no data for XXXX & XXXX XXXX, we have requested that XXXX, TransUnion and XXXX make those updates. As a courtesy, XXXX will remove the information on account XXXX. Please allow 30-45 days for the updates and the removal of account XXXX to reflect in 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 explanation
Consumer complaint received 2021-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have been a capital one customer for many years. from XX/XX/XXXX through XX/XX/XXXX, I had serious medical issues and was incapable physically of paying my credit card on time. I was in a serious medical crisis in XXXX. I reached out to capital one repeatedly asking for XXXX XXXX with the hopes of removing some of the late payments that appear on my credit reports. I've sent letters, made repeated phone calls, to no avail. I have paid off my credit card debt but the late fees are wrecking havoc on my credit scores. 

I have now been told that Capital One is unable to help resolve any of the late fees because it has been more than six months. 

I have a stable track record of payments up until the time of my near death illness and subsequent recovery. 

I've sent registered letters, I've made phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
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: Reporting company used your report improperly

Complaint:
A collection agency called XXXX XXXX, which legally is named XXXX XXXX XXXX XXXX XXXX has been harassing me and tarnishing my credit report preventing me from re establishing my credit worthiness. I've reached out to them on numerous occasions to inform them that they are trying to collect a debt that was discharged in a bankruptcy ( case # XXXX ) on XX/XX/2016. 
XXXX XXXX refuses to stop contacting me and also refuses to take the debt they they purchased from XXXX XXXX XXXX which was included in the bankruptcy discharge included debtors. 
As all three Credit Reporting Agencies are listing this illegal attempt to collect this debt that XXXX XXXX has repeatedly reported since acquiring ( wholesale bought ) back in 2016 ', and they refuse to stop harassing me and correct their illegal collection practice, they are in direct violation of both the law as well as the codes set forth in the FCRA. This leaves me no choice but to pursue my legal rights as a consumer to involve the proper financial entities to force them to cease and desist their illegal attacks against me and my credit reports. 
please refer to the XXXX complaint case # XXXX that has been filed and the disputes filed with all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: UT
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2019-02-07
Company: PENTAGON FEDERAL CREDIT UNION
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: Account status incorrect

Complaint:
This account pertains to a line of credit opened with Pentagon Credit Union in XXXX of 2017. I maintained positive payment history and paid towards this line of credit on time every month up until filing for a Chapter XXXX case on XX/XX/2017. The filing of the Chapter XXXX placed this account in my case which did not allow me to pay outside of the plan. In review of my credit report I found that Pentagon Credit Union reported this account in a negative reporting status under failing to make a payment. This is inaccurate reporting as I did not fail to make a payment but was in an active Chapter XXXX case with the United States Bankruptcy. Per FCRA the date of delinquency is not accurate as this balance was included in my Chapter XXXX Bankruptcy case. The status of this account has been reporting delinquent when in fact this account should have been reporting paid as agreed every month due to the Chapter XXXX Bankruptcy laws. Under the FCRA, both the credit reporting company and the information provider that provides information about my credit are responsible for correcting inaccurate incomplete information on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: First Financial Resources, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There is an account listed twice with First Financial Resources collection agency in XXXX, MA. Its a duplicate account that appeared twice. There should only be one account. Obviously this hurt my credit. I contacted the credit bureaus, who said First Financial resources was reported the account twice. For years only 1 account was reported. Magically in XXXX of XXXX the same exact account with a balance, date of service, and original delinquency date appeared. This new account had a new account number. I contacted them twice on XX/XX/XXXX. I emailed them all the documentation showing this account was a duplicate. I asked for a supervisor. But was not given one. I was told I would get a call back. But never did. They said they didnt have an answer. This is unacceptable. For a debt collection agency to clearly report an account twice and not have an answer as to why or where it came from is almost criminal. It has a direct effect on someones ability to gain employment, get credit extended etc. This company does not keep good records, communicate well, or follow up on extremely important matters. Management and the people who work there are inept.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
I will right this Complain To Explain to paypal That I didn't Violate any Rules And User Agreement To my account. First I use my account To recieve payment from my Buyers and Clients.I use this As My only Payment method for my business and also for my work in XXXX. In XXXX XXXX I recieved 2 payments which {$6.00} and {$9.00} which is so small amount of money right?. Where Did the Violation on that Thing?. I didn't Sell any illegal Items And I can prove it through Sending legal documents. I can upload the Nature of my business and work. The problem here is Paypal Banned me Quickly without any further assessment notification. Please review This ASAP because I dont want to open Another Paypal Again to suffer from Hold I use my Money to Help my Family in our daily needs and If paypal continue to ban my Account it will wreck My work and my business please consider that paypal team. 

Heres the reference ID for this Email. 
You can no longer do business with PayPal ( Ref ID - XXXX ) Sincerely Yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: Home Point Financial Corporation
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
We are currently in dispute with Home Point Financial. They have been sent an Affidavit and Invoice for violations they have committed pursuant to 15 U.S.C. 1692g.

Copy of Affidavit, and proof of their receipt are attached.

Company response to consumer: Closed with explanation