BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-16
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
A while back I signed up for an online Experian account for credit monitoring purposes. However, after some time, my account was stolen by an unauthorized person. Passwords and usernames were changed, while this user had access to my account. This has been resolved, but because reaching a person for this matter was so difficult, I had also requested to have this account deleted and the ability to sign in to this account online to be removed. 

However, I had come to find that the only thing that was cancelled was by monitoring subscription. I now have a " basic membership. '' I have called multiple times to get the entire account, membership and any online access to be deleted/removed. Each time they have told me they will submit a request, or that I must mail a request. I have mailed a letter to them with no results as well. 

I am submitting this complaint due to the lack of response, and also no ability of my own, over the phone or online, to delete my online account or any basic membership.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX  XXXX  XXXX and XXXX XXXX. Please delete these accounts ASAP.

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 2022-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or 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 2020-12-03
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Synchrony bank is dropping my credit limit to 15-30 dollars above my balance. They say based on derogatory items and the amount I have paid my mortgage down is the reason.

The same public record that was on my file when they approved my is still thee. That did not stop the bank from approving my for several cards. My mortgage is paid on time every month. So are my credit cards. I pay the minimum amount I am billed. Some time more, but never less. This is for my mortgage and credit cards. Now they want to use that to drop my limit and now negatively impact me as it is making my debt ratio sky high. If I choose to pay the minimum, that is my choice. Do not take action that will in turn have unfair consequences on my down the road with other creditors. I pay on time every month.

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 2023-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting 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:
Received a fraud alert notifying me of 2 hard credit inquiries I did not approve or initiate from 1. CAP ONE NA Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX  and 2. XXXX XXXX Inquired on XX/XX/XXXXXXXX  On record until XX/XX/XXXXXXXX  I called both Cap One NA, XXXXXXXX who both told me they couldn't do anything and that I needed to contact XXXX, XXXX and XXXX separately to notify them of these fraudulent hard inquiries that I did not authorize nor approve. Each of those companies said that I needed to file a complaint with FTC if I wanted it to be investigated further so this is why I'm writing this complaint now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Upgrade, Inc.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have auto pay setup for my upgrade.com credit card. For the past two months, my auto payment goes through and a day later I get an alert that i owe few dollars. The auto payment is automatically set to deduct the minimum amount due. 

A day later my account shows an outstanding balance of a few dollars. I go ahead and pay it ; The account page then shows i owe XXXX cents. This has happened for two months in a row. I called last month and could not get through. I called yesterday and sat in queue for 35 mins only to have my call dropped. I have emailed the company last month and this month. I get an auto reply stating they will review and get back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo is acting in an extremely negligent and predatory way with regards to over-drafting on an already NEGATIVE balance. My mother - the account holder -, who is XXXX XXXX and on SSI, has made multiple cash withdrawals on a negative checking balance and Wells Fargo is making no effort to stop the withdrawals. Instead, they are approving multiple cash withdrawals on a negative balance while charging overdraft fees. On their website, Wells Fargo states that they do not approve ATM overdraft transactions, yet they are letting it happen over and over. They claim that she has a " Debit Card Overdraft Service '' on her account and that they have no choice but to allow the transactions since she has opted in ( even after she stated to a representative that she has no recollection of signing up for the " service '' in the first place ). This behavior is negligent, irresponsible, and predatory and they have refused to take responsibility or use any discretion to decline multiple ATM withdrawals on a negative balance. Additionally, they are even aware that my mother - the account holder - plans to make additional withdrawals on a negative balance ( she told a representative this on the phone ) and they will do nothing to prevent this in favor or collecting further overdraft fees. I have spoken to multiple people on the phone from Wells Fargo and they refuse to act other than to say that the account holder has to specifically ask for the Debit Card Overdraft Service to be removed but they will make no effort to prevent further withdrawals on an already overdrafted account.

Wells Fargo states, regarding the Debit Card Overdraft Service, " You can choose whether your ATM and everyday ( one time ) debit card transactions may be approved, at the Bank 's discretion, if you dont have enough money in your  checking account or in accounts linked for Overdraft Protection at the time of the transaction '' and " The payment of transactions into overdraft is discretionary, and we reserve the right not to pay. '' They are choosing to use NO DISCRETION and instead allow multiple cash withdrawals to be made on a negative cash balance while STILL CHARGING overdraft fees.

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 2021-12-13
Company: Paypal Holdings, Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GEORGIA XXXX RE : COMPLAINT AGAINST BANK DEBIT CARD : VENMO / PAYPAL MY CARD NUMBER # XXXX ( THIS IS MY NEW CARD ) EXP XX/XX/XXXX UPON REVIEW OF MY STATEMENT IN XX/XX/XXXX I FOUND THAT I HAD TWO UNAUTHORIZED CHARGES- THAT I MDID NOT MAKE, NOR AUTHORIZE, NOR RECEIVE ANY SERVIOCES, GOODS, PRODUCTS, ETC FROM. 

IN TODAYS TIME AND WITH ME HAVING XXXX AND ALREADY BEING OUT OF WORK AND IN THE XXXX THIS IS WRONG TO HAVE MONEY TAKEN OUT OF MY ACCOUNT AND YET VENMO DOES NOT HAVE ANY CONCERN OR PROCEDURE TO STOP THIS FROM HAPPENING. RETURN MY MONEY, REVERSE THOSE CHARGES, ETC. 



I FILED NOTICE TO VENMO IN WRITING ON XX/XX/XXXX ABOUT THESE TWO CHARGES ONE FOR {$120.00} AND {$37.00} AND I DID IN FACT GET A VERIFICATION LETTER BACK STATING THEY RECEIVED MY REQUEST AND WPOULD PROCEED TO CLEAR THIS UP. 

NOW IT IS XX/XX/XXXX AND IT HAS BEEN 45 DAYS AND NOTHING HAS BEEEN DONE? THIS IS WRONG, BEING THAT THEY ARE A LICENSED BANK IN THE UNIOTED STATES AND THEY JUST DONT CARE? 



I AM REQUESTING TO REVERSE THOSE CHARGES AND PERSUE THE VICTIM I NEED MY FUNDS BACK PLEASE HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Ive been applying monthly for loss mitigation with Freedom Mortgage since XXXX Ive reported this to CFPB several times. First Freedom Mortgage told me I received 3 loan modifications from them so they denied me. Freedom Mortgage said they crossed my file with someone else file, their mistake they told me. Called me so we 3 way XXXX XXXX XXXX to verify my non existent checking account, My last application was for the pandemic unemployment loan modification, even though my only qualification is to be receiving unemployment I was still denied, yet placed in forbearance. I NEVER ASKED FOR FORBEARANCE, IVE BEEN APPLYING FOR A LOAN MODIFICATION AFTER SUFFERING FROM A DOUBLE FINANCIAL LOSS. First in XXXX of 2020 then COVID-19. I feel that Freedom Mortgage does not have a loss mitigation program in which they claim to have. Its a scam and my mortgage is in the middle of it. Ive never missed a 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 2023-01-04
Company: Westcreek Financial
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Koalafi offered me a credit card product around XX/XX/2022, for the purpose of a home renovation project, without a true dispute process as described in Regulation Z. The loan was activated by the merchant prior to project completion in early XX/XX/2022. Merchant originally made good faith effort to finish the project. In late XXXX, Merchant began avoiding obligations to finish project ( vague responses for when outstanding goods would arrive, and no response on when punch list items would be completed ) As of XX/XX/2022, merchant had not delivered all good/services as promised to the customer. Customer was unable to reach merchant with any firm updates for the goods/services. A call was placed to Koalafi stating the dispute ( similarly to how it is outlined in the complaint ), with Koalafi affirming that they are not responsible for the merchant, and I as the customer am still obligated to make payments. Koalafi quickly reminded customer of loan agreement. 

On XX/XX/2022, merchant responded to customer, proposing a plan going forward. 

On XX/XX/2022, Koalafi contacted both merchant and myself, on separate phone calls. Customer stated that at this time, Merchant has proposed a plan and timeline to finish the project. Koalafi implied during this conversation that they are under no requirement to provide resolution or further investigation, and reminded the customer that payments are still required. Koalafi also stated that if the dispute were to arise again, the same process of phone calls to the merchant and customer would repeat, regardless of resolution on either end. 

Based on this dispute process and phone call conversation, it does not appear that Koalafi provides any protection to the customer, nor does Koalafi believe that any governing laws apply to them. 

References : Per the TRUTH IN LENDING ACT ( REGULATION Z ), " issuers must investigate and resolve certain billing errors, including a transaction reflected on a periodic statement involving goods or services that the consumer ( or representative ) did not accept or was not delivered or was not delivered as agreed. " Per the attached lending agreement with Koalafi : If, after any such good faith effort to achieve resolution with the Merchant, you are still dissatisfied, you may contact Servicer in writing at Koalafi, XXXX XXXX XXXX, XXXX XXXX, VA XXXX, or any other address the Servicer may designate, and we will investigate the matter. During the pendency of the investigation, you must still make any payments owed under this Agreement. Once our investigation is concluded, we will make a determination regarding any amounts you continue to owe under this Agreement. If, following ourdetermination, you do not make payments that we confirm are owed under this Agreement, we may report you as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 non-monetary relief
Consumer complaint received 2022-10-18
Company: Self Financial Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022, XXXX XXXX unilaterally closed my credit builder and credit card account with them. 

They claimed to pay out my money in XXXX business days after my account is closed. It has been way past that timeframe. 

I contacted Self Inc. customer service on XX/XX/2022, to ask why they haven't sent my money yet. They told me to contact their dispute/fraud department via XXXX. They said there is no phone number for that department which I thought was odd. 

On XX/XX/2022, I got the below email from the dispute/fraud department. 

" Self Financial Hello XXXX, While Self strives to offer service to all of our customers, we have a regulatory obligation to regularly review accounts and their activity. During one of these standard reviews, we came across information on your account which was unverifiable. As we are required to be able to verify all account information, we must unfortunately discontinue your service with us. 

If you have any payouts owed at this time, your payout may be frozen during this review and we will unfreeze any funds once our review is complete. For security and privacy purposes, we are unable to specify which information was unverifiable or offer any further timeframes on our payout review process. 

Please reach out if you have any further questions. 

All the best, The Self Team '' How unreasonable is that email? They can't tell me why they closed my account and froze my funds, they can't tell me exactly what was suspicious, and they can't tell me approximately how long it is going to take? I believe this is unfair practice. As an account holder with SELF, I have a right to know what is happening with my account. They can't just say " Oh, we can't tell you anything because of security reasons ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX, XXXX and natural person am a victim of identity theft. XXXX, equifax and XXXX has used and furnished my consumer report without my authorization, consent or written instruction. They have neglected my rights as a consumer by allowing companies to to share my non public personal information without my consent, as well as using that information to furnish a fraudulent consumer report on my behalf. Congress makes it clear that as a consumer i have a RIGHT TO PRIVACY. These credit reporting agencies also known as financial institutions have violated my federally protected rights as a consumer with right to privacy by failing to meet the needs of congress by ensuring that they exercise there grave responsibility with respect to the confidentiality of my personal non public information. The FCRA was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the consumer rights to privacy. These agencies are in direct violation of the FCRA and Gramm Leach Bliley Act of 1999.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Southwest Stage Funding
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX, I am writing this letter regarding my home located at XXXX XXXX  XXXX XXXX XXXX, MS , XXXX I have been trying to work with XXXX XXXX   regarding my delinquent mortgage. I have submitted for mortgage help thru XXXX but have been declined for any and all mortgage home retention options. They mentioned to me that my only options is to come up with the {$13000.00} past due including any attorney fees and cost. 

I spoke to Head Supervisor Collection/ Loss Litigation- XXXX XXXX XXXX XXXX Extension XXXX Position collector. 

explained to them that the reason for falling pat due is in XX/XX/2018 I was diagnosed with XXXX XXXX and XXXX XXXX and had to be treated. While going thru the treatment I had a loss of wages and eventually they filled my position do to the time i needed to recover. 

I am now in a better position but they will not work with me do to my loan type. i am asking for help from the CFPB to look into to this as well as the FDIC I feel they are in violation of my homeowner bill of rights and should offer me assistance to stay in my home I have a steady income and can afford my mortgage. 

Also, I have asked for letters from XXXX declining my request for assistance but they state they are not required to do so,

Company response to consumer: Closed with explanation