BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-14
Company: WELLS FARGO & COMPANY
State: MD
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:
Without any notification Wells Fargo lower my credit limited from {$13000.00} to {$8000.00}. I reached out several time for explanation to date Wells Fargo is refusing to provide an written explanation. I believe Wells Fargo actions were based on race, although I had late payments during a covid-19 hardship, I never missed a payment, nor have I made any or attempted to make any purchases during this time. I feel Wells Fargo is singling out minorities and engaged in a deceptive business practice of offer a balance transfer with a higher line of credit then after receiving the business lowers minorities credit limits which is bate and switch to gain business.

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 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

DEPTEDXXXX XXXX DEPTEDXXXX   XXXX XXXX XXXX XXXX  XXXX DEPTEDXXXX  XXXX DEPTEDXXXX   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 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 2023-01-11
Company: JPMORGAN CHASE & CO.
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: Personal information incorrect

Complaint:
I XXXX XXXX XXXX has tried to address this situation with chase bank I withdrew my initial complaint because I did get a call from chase business bank and I thought they would rectify the problem but they havent I have called them back and have left voicemails to the lady that was handling my case Im really upset because Im not just a business owner account but I have XXXX other accounts thats open with chase bank so its no excuse to not know my business address the forms I will be uploading will prove this this is so upsetting and goes against my rights as a business owner I would like this issue address with chase and XXXX who also illegally let you run my credit twice this is not right for consumer to treat as such rules are rules the dates are XX/XX/22 when I applied for both same day you will see in your records XXXX so please address this problem thats holding me and my business back from moving forward chase can you address this im a customer of yours who does primarily business with your company on a daily I would like them same opportunities as any other business owner thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Attempting to use my JCPenny  credit card ; my transaction of {$190.00} was declined while having an available spending limit over {$2200.00}. The app shows my account is due for the next payment on XX/XX/2020 for {$130.00}. I paid {$100.00} today, after the card was declined. I called the customer service line and was told that the card declined because it was past due and that I would need to make a payment prior to XX/XX/2020 and wait processing times for the card to be active again. I received no notice id late payment and confirmed with the accounts manager with synchrony bank that they did not send any form of indication. The app for my account does not show or post any past due notification.

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 2022-10-06
Company: Experian Information Solutions Inc.
State: MO
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 sent a dispute to XXXX to validate the debt being reported on my credit report. I contacted the company to resolve this debt and was informed that they would send me proof within 30 days. Instead, my information is being reported to a third party without my permission a violation of FDCPA 1692.809 ( a ) ( 4 ) This FDCPA covered entity and their business associates shared my personal information without my permission or having signed a release. My privacy has been violated, security and records have been breached. 

I am requesting they provide me with a validation of the debt and my address that is on this bill. My claim is a dispute and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ). I would also like to have proof that this debt is valid.

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 2023-03-02
Company: GOLDMAN SACHS BANK USA
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
The problem started when I tried transferring XXXX out of my account to one of my accounts because I decided I didnt want to have my money in the marcus savings account anymore. The next day I got an email saying that they have been trying to call me but I never received a call. My account was locked. That was XX/XX/XXXX. I called them and they told me that I would be sent an affidavit of identity to confirm my identity. I filled that out and had it notarized and sent it back on XX/XX/XXXX. I didnt hear from them at all. I called them today XX/XX/XXXX. I was told they received it from what I heard. I was then told that my account would be closed for reasons I can not be told and I would receive something else in the mail in another week or so. Im not sure whats coming in the mail because I cant remember exactly what they said to me. Now I have to wait longer to get my money back. They didnt communicate this information with me through email or anything. I had to call and figure this out. Im not sure why they couldnt have just unlocked the account and let me transfer the money out. All I want is my money back and this process is taking an extremely long time. Im not sure how many more things have to be sent to me to get this figured out. I confirmed my identity like they wanted me to do and I still have to wait longer to get my money. It doesnt make any sense and this has been a tremendous stress to me over the last month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020 I've file a dispute for unknown and inaccurate accounts on my credit report but I haven't receive a response and it is almost over 30 Days now since I've filed. I was a victim of XXXX  Data Breach. I demand to Delete all those accounts or I will file a litigation.

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 2020-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020 I've file a dispute for unknown and inaccurate accounts on my credit report but I haven't receive a response and it is almost over 30 Days now since I've filed. I was a victim of XXXX  Data Breach. I demand to Delete all those accounts or I will file a litigation.

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 2019-01-13
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Under the new law effective XX/XX/2017 any public record data must include name and address as well as SSN or DOB in  order for it to appear in your credit file. The credit bureau can not verify the BK, ( because the court doesn't share information with credit companies ). This credit bureau has not updated the information and per the new law the bankruptcy listed does not include this information and should be deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
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 mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, talking with company customer service, I finish my business an they ask if I want to talk to " Re-Fi ''. I say yes to find out the rate. He quotes me 6.1 %, I say no thanks and hangup. ( I have a current 3.5 % mortgage with the same company. On XX/XX/XXXX, I get a Docusign in my email for a refinance of my mortgage! 
I call numerous times to numerous peoeple at Caliber Home loan to determine what this is ( see attached ). ( over 6 ca unanswered calls, and numerous people playing games to divert the conversation. Having looked over this form, Iwil state that at no time did I " withdraw the account ''. I saw niothing to that effect and never signed anything.

I have a concern about Caliber will now handle my existing mortgage, and if there was criminal or illegal activity by Caliber. An attorney has already been conferred with. I am awaiting your decision ( see further nites and attachment ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Go Capital Holdings, LLC
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX ... XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: VELO LAW OFFICE
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the debt in full through XXXX XXXX XXXX to XXXX XXXX on XX/XX/XXXX. Velo law group is now asking for more money, and the earliest dated material I see from their documentation is XX/XX/XXXX. 
I have all the documentation available to prove this was paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: JPMORGAN CHASE & CO.
State: OH
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:
This company is reporting inaccurate information according to the FCRA are reporting must be 100 % accurate, 100 % verifiable, 100 % complete. This company is reporting account as a Collection, but also an open account which is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: Experian Information Solutions 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:
EXPERIAN HAS INFO ON MY CREDIT REPORT THAT IS INACCURATE. 

NOT MINE : XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXXXXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX  XXXX XXXX LA XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

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 XXXXXX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

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 2023-01-02
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Please investigate and delete the following account as the last payment on the account was made over XXXX  years ago : XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: Ditech Financial LLC
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ditech is my mortgage company and my town taxes are included in my mortgage payment. I have been paying taxes quarterly but at the end of XXXX, Ditech paid a full year in advance. 
I received a letter from Ditech dated XX/XX/2019 and was informed that my escrow account was {$3100.00} in arrears. I was informed that I had to pay that amount by XX/XX/2019 or my mortgage would increase by {$290.00}. 
I consulted with Ditech on several occasions to fix this problem.. I asked Ditech to get the money back from the town and revert to quarterly payments. 
I spoke with the town today and they said that they offer mortgage companies quarterly payments or they will give a 2 % discount if a whole year is paid in advance. 
I spoke with Ditech again today and was informed that if they are offered any discount at all, they take it and do not inform the customer of the change. 
I called the town again and asked the town to refund the money to Ditech so that I could do quarterly payments and I was informed by the town that Ditech has done this to so many residents in the town that the town absolutely refuses to refund any money. 
As a result, my mortgage will go up about {$300.00} a month. I am extremely upset about this unfair situation.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I was collecting money at the office to send flowers for a coworker. ( XXXX ) The money was sent to me from different people via PayPal . Upon my request, PayPal transferred the first {$99.00} to my bank account. Another {$99.00} came in. PayPal transferred {$30.00} to my bank account. When I asked them why the remaining {$69.00} was not showing as a balance on my PayPal account so I could initiate the transfer to my bank, I was told it was because I had placed an order for flowers using the credit card attached to my PayPal account. PayPal said they were holding the cash to apply the balance of the cash in my account to the flower order. I don't know why because the flower order was on the credit card issued by XXXX, not PayPal, and the contributions were sent to me in cash. I don't see anything about this practice on their website nor did I get a message when I placed the flowers order that PayPal would place a hold on the cash. The credit card attached to my PayPal account is with XXXX, not PayPal so payments to the credit card have nothing to do with PayPal. I immediately cancelled the flowers order so PayPal could release the cash. When I talked to PayPal, they said it would take a couple of days. When I log into my PayPal account it still shows a {$0.00} cash balance while showing a hold for authorization on the flowers order. The flowers order was placed on XX/XX/XXXX and cancelled within the XXXX says the order was also cancelled on XX/XX/XXXX. Yet, as of today, it's been 17 days and PayPal is still holding my cash for a credit card it did not issue to me for a cancelled order.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14
Company: Bread Financial Holdings, Inc.
State: NJ
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 following accounts that appear on my credit report are not mine, check them out Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 
1. Identity Theft CB/ANNTYLR Account Number : XXXX This is not mine. 

2. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 

3. Identity Theft CB/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a water heater for my second home from XXXX XXXX in XXXX, XXXX. The store had a maximum authorization limit on foreign credit cards, therefore first they took a deposit of XXXX XXXX on XX/XX/XXXX, than on delivery date of XX/XX/XXXX the balance of XXXX XXXX the total of XXXX XXXX which was the full price of the water heater. EXHIBIT A The heater was installed on the XXXX and due to an internal gas leak, it burned down at XXXX at night causing heavy damages to my home. EXHIBIT B. I had filed the proper claims with the Chase Credit LLC and their subcontractor XXXX a bogus or XXXX AND XXXX XXXX. To this date, the XXXX claim HAD NEVER BEEN SETTLED, therefore I am requesting the complete resolution of the matter which amounts to the XXXX XXXX in XXXX {$400.00} and the same interset charge what the contract states, 29.88 % in XXXX {$120.00} for deliberate disregard of contracts and the statuts of settling a claim in California. Incidentally, the damage to the building was estimated at {$27000.00} XXXX and having been reconstructed!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-05
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I have repeatedly contacted Equifax to have this bankruptcy inaccuracy removed. Equifax removes it and adds it back which lowers my credit score significantly. Equifax has had it listed as a Chapter XXXX then changed it to a Chapter XXXX. This information needs to be removed from my credit report immediately because it does not belong to me!

Company response to consumer: Closed with explanation