BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-20
Company: WELLS FARGO & COMPANY
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:
reached out to Wells Fargo and they said they do not have a record o any inquiries linked to my name and to dispute 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 2021-09-22
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
we are a XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/21 a customer sent {$7200.00} through paypal to pay his bill. the customer was very satisfied with no problems. paypal had then decided to flag this transaction due to its high value asking us to provide business documentation ( tax id #, and address verication ). upon receiving these documents they then asked for the owners ssn and passport #. we asked why and their response was " its part of our verification process ''. we then asked " what does the owners personal information have to do with the business info? '' there response was : " its part of our verification process ''. everytime we called they gave us a different date as to when they were releasing the money. at first they held the money for 5 days, then it was a week, then it was 10 days, then 21 days, then 30 days, after at which time they eventually decided to permanently freeze our account. 
unfortuneatly there was still a balance of {$7000.00} ( minus paypal fees ) that was still left in the account. we were then told that paypal may hold the funds up to 180 days, at which time they would email us with information on how to access any remaining funds. they have and continue to say that the money is released but we have no access to it. they act like a bank - take fees- and then confiscate my balance. 
we are contacting you to hopefully get the funds released before then. for a small business this money is a months income for me, I cant even pay my sales tax. 
We've heard from customers that paypal has held there money for 6 months and after 6 months they informed the customer that they were holding the money for another 6 months with no reason given. how could a company hold someones money for 6 months without any justification? In my opinion this is a fraudulent business tactic and should be addressed by the authorities immediately. 

thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: EQUIFAX, INC.
State: IL
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 unaware of who made the credit inquiries on my report but it was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called experian because they listed themselves as the reporting agency for bankruptcy on my credit after I disputed the fact that before they had the United States bankruptcy court as the reporting agency so I went to the bankruptcy court and they supplied me with a letter to experian that they do not report bankruptcy to the credit reporting agencies and they were In violation of the fair credit reporting act section 111 ( a ) ( 1 ) ( A ) because this was not my bankruptcy. I called the agency in witch they transferred me to a disput agent I informed him of my situation and he did see that I didnt even have anything on my credit to file a bankruptcy and this was a fraud situation he told me to hold then returned to the line I told him that since they are now listing themselves as the reporting agency that I would need the proof and documentation baring my signature to verify and this is now being recorded so I could further discuss with my attorney handling several fraudulent things done by my ex husband because hes the only person I know that has had my information in the past and has filed bankruptcy which had nothing to do with me but before I got a chance to inquire anything about their dispute he immediately hung up on me after I spent over 3 hours on hold because XXXX XXXX has deleted this so Im not sure why no other agency is willing to do a proper investigation supply me with documentation for the reason this is on my credit or if they dont have documentation do the proper thing and remove it. Secondly Why would a professional credit dispute investigator refuse to give me information my attorney sent them a written letter requesting it because it is my right to have the information because the bankruptcy court they claimed supplied them with the information doesnt have it and they just flat out hang up on me just because I let them know our conversation is going to be recorded if they are doing what is right then whats the issue??? I dont want to purchase their services so they want to mis report information now all the sudden that has been the same for years because I have questions about whats 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 2020-09-16
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX removed the debt from my credit but XXXX XXXX XXXX XXXX has my and it is affected my living.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: TCF NATIONAL BANK
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
A purse was purchased from XXXX XXXX on XX/XX/2021. As they stated my package was delivered and signed for. Indeed it was, I also still have it. My package was damaged and only XXXX can file a claim with XXXX. I have tried to contact XXXX  and was told to contact the shipper. I have contacted XXXX and was told that a chargeback was filed with TCF so there is nothing that they can do. I have provided all of these documents to you all including a police report. I will continue to escalate this if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My wallet was stolen the night of XX/XX/XXXX, someone took my CHASE debit card and somehow made two transactions at two different atms withdrawing more then I had in my account. The next day I saw my account was overdrawn and I immediately filed a claim. I also filed a police report. Ive been looking at similar cases to mine online and Ive been reading how CHASE has reversed countless claims with little to no explanation as to why or how they came to the conclusion of reversing the claim. I would like to know what are other legal actions I can use to help support my claim?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-21
Company: Early Warning Services, LLC
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: Account status incorrect

Complaint:
I never have any accounts with a balance I dont know why I denied when I apply to open a checking account.. all I ask show me a statement my license photo copy any documents signed by me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: CITIBANK, N.A.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
the credits bureaus XXXX, XXXX, XXXX has been defaming my character and reporting false consumer credit transactions without my consent.I am a victim of identity theft and i request these accounts be blocked from my credit file i have provided documents of identity theft and based on the consumer reporting agency and the fair credit reporting act i need this action taken care off 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 2020-12-18
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Loan Servicer withheld information from Escrow and Title Company that they paid the taxes. Therefore, Escrow and Title Company withheld {$4700.00}. Loan Servicer needs to provide copy of cancelled check or issue stop payment and reissue funds to me. Included is proof escrow withheld the property taxes and paid them. Even with a release they refused to work with the Title Company and Escrow company to clarify payment.

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 2018-03-15
Company: IQOR US INC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX calls twenty times a day. It doesnt matter the time. They left threatening legal actions on voicemail

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 2019-05-20
Company: EQUIFAX, INC.
State: NJ
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:
The Debt Collection Company XXXX XXXX XXXX, XXXX has been reporting the incorrect First Date of Delinquency to the Credit Bureau for account # XXXX. The First Date of Delinquency being reported to the credit bureau is XX/XX/XXXX. As outlined in the uploaded XXXX XXXX XXXX documents the First Date of Delinquency as XX/XX/XXXX in the reply to CFPB claim XXXX. XXXX listed XX/XX/XXXX as the date they purchased the account. According to FCRA Section623 ( 5 ) ( A ) Date of Delinquency must match that of the Original owner of the creditor ( XXXX ). I tried to request a dispute regarding the incorrect date of delinquency being reported however, XXXX will not allow me to file another dispute. The previous dispute was closed without any resolution. I do not believe XXXX   requested the proper documentation to substantiated the information being reported. Equifax also just completed an account ownership verification and not an investigation of the accuracy of the information as I specified. Please see the Reply provided by XXXX XXXX XXXX on XX/XX/XXXX to Consumer Financial Protection Bureau claim XXXX XXXX, alleging that they are reporting a First Date of Delinquency of XX/XX/XXXX not XXXX. In this case XXXX is alleging that the XXXX and Equifax Credit bureau is INTENTIONALLY NOT reporting the correct Date of Delinquency of XX/XX/XXXX. ( Please see attached documents to support claim ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
its been a long way trying to fix this problem with this people but all they did made me lose my money and waste my time.Firstly On XX/XX/XXXX they received a check from XXXX XXXX dealer about a gap cancellation .insteed that money go to the principal they took that as a payment. charging interest .we claim for that but that was worse when they fixed they changed the payment day as I have not made payment for the last month charging me high interest .I called them on XX/XX/XXXX th because they send rowng stayment and were charging me XXXX dollars of interest they told me that was rowng and all is going to be ok todat after payment they took everything of interest and say the same of always leave a claim and wait for at least three days and again and again

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00} and XXXX XXXX XXXX Date OpenedXXXX 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 explanation
Consumer complaint received 2018-03-15
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 status incorrect

Complaint:
As of today, XX/XX/XXXX, XXXX Mortgage now doing business as XXXX XXXX, has not reported my payment history nor my current balance to the 3 major bureaus since last year XX/XX/XXXX. I have been with this company for 4 years now. I have called them numerous times and even have a case open with them. They tell me the same thing, every time, " Your case is being worked on, we are looking into it ''. I believe this to be a lie! XXXX was just ordered to pay {$1.00} XXXX in penalties, and they still have not corrected the issue the were penalized for.

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 2021-09-22
Company: EQUIFAX, 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
2 Months agoreceived your correspondence on this alleged accounts in my file stating you verified or updated, these accounts was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset.

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 2020-10-09
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have a few questions about inquires on a credit report. Is it true that in order to pull someones credit report, you need permissible purpose to do so? If that is the case, then why did the company below pull my credit report without my authorization? 

XXXX XXXX XXXX XXXX XX/XX/2020 XXXX I never authorized these inquiries. 
XXXX XXXX | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX  | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX  XXXX XXXX XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX  | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX XXXX XXXX XX/XX/2020 N/A I never authorized these inquiries. 

From my understanding, that is against the law right? Because I did not authorize the companies above to pull my credit report, please delete these inquiries today. 
Thanks

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 2018-08-31
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notification from XXXX that a new collation account was added I was not aware of this no document statement or right to dispute the debt was received

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: Convergent Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 I was notified on my credit report the same debt that was disputed before and removed is back on my credit report because the debt is purchased by another collector. The company is stating that I had business with XXXX XXXX and owe {$1500.00}. XXXX  removed the same debt 6 months ago and now its returned by this company. This debt is not mine and it was proven by dispute with XXXX  that it wasnt mine 6 months ago. Im writing today because the debt is purchased by different debt collecting companies and now its back on my credit report. This debt buyer " parked '' the debt on my credit report and re-aged the status of debt in which is not mine. This debt collection practice of placing this debt on my credit report is 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 2018-08-31
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX holds a debt for XXXX. I told them and disputed that XXXX renewed my contract without my knowledge and charged me for it. I had switched to XXXX at the time but XXXX kept charging me even after my contract was up.

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 2017-02-06
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Wells Fargo is reporting incorrectly on my credit report. The loan was assigned to XXXX and said it would be removed. They are no longer the servicer for this loan. The loan number has change. They sent me a letter with no address for the new loan number. I have call several times and Wells Fargo has wrong information in there system. I 'm currently in a bankruptcy and the property was surrender. This should had been removed form both loan in XX/XX/2015.

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 2018-08-31
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Good Morning, I have been dealing with this nightmare for way to long. ive had my identity stolen and apparently it still is. I have all kinds of cell phone debt on my credit report but i never opened them. I can not get ANYTHING because of this! 
i try and apply for any type of credit and they can not help me because what was one XXXX is now - .... My credit score can not be found. 
Please help me! 
I want to start college and can not do anything!

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 2018-08-05
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was trying to pay my XXXX XXXX Store Credit Card bill this morning and I noticed a {$220.00} fee I did not make onto my account. The purchase was made on XX/XX/2018. I have not used my Credit Card in months and I need to know how my credit card was used.

Company response to consumer: Closed with non-monetary relief