BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-19
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 is missing that should be on the report

Complaint:
15 U.S. Code $ 1681C-2 a consumer reporting.agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 2022-01-14
Company: LoanCare, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I needed to take advantage of the entire covid forbearance due to the slow in business due to the virus ( I'm a small XXXX XXXX ). Covid for us, did cause Changed Circumstance. I did a verbal consent over the phone. I did know that there would be repayment options. However, I did not know that all options for repayment would cause an adverse action against me. Once the forbearance ended, I was told that I could put a lien on my home and pick up payments where they left off. I was also offered to put the forbearance amount owed on the backend of the loan if I entered a new loan contract. The third option was for me to pay the full {$20000.00} upfront. I denied all of the options and requested a regular payment plan that would not require me to put a lien on my home, create a new mortgage contract or force payment in full at once. I spoke to several representatives and one manager. The very 1st rep told me that she would send out a payment plan and request the repayment plan guidelines be sent as well per my request. The next week, I called to check to see if it had been sent but was now being told that I now have to apply for a normal repayment plan. I was vehemently against having to apply to repay my own mortgage. I argued that it would be incomprehensible to request that someone who had just needed to use a full forbearance relief to be forced to apply to repay. It should be evident that there are financial difficulties. Ultimately, it took about a month to receive the application. By the time that I received the application, I was about ready to submit my written RESPA request. Instead of applying to repay, I just submitted my request. They received the request via registered mail on XX/XX/XXXX. On XX/XX/XXXX, they reported my entire loan amount to all credit reporting agencies, not just the {$20000.00} that was in question along with other requests. They never confirmed receipt of the QWR as required. I only know it was delivered because I sent it registered mail. They are not supposed to report anything during the QWR process. I am being retaliated against for utilizing my rights.

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 2023-07-19
Company: Experian Information Solutions Inc.
State: NV
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 am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2019-12-16
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I purchased a pair of XXXX XXXX through XXXX. The order number is XXXX. On XX/XX/XXXX I received a sealed, yet completely empty XXXX XXXX envelope with tracking # XXXX. The package weight was 1lbs or less, obviously and empty envelope. 

I contacted XXXX to file a dispute. They told me to send a message to the seller to try to resolve it. The seller responded and basically said they sent the item they aren't going to do anything to resolve the issue. They told me to file a claim with XXXX  XXXX. I explained that wasn't acceptable. I contacted XXXX and explained the situation. They said they would get me a refund if the seller didn't resolve the issue by XX/XX/XXXX. 

I spoke with XXXX again today as I haven't heard back from the seller of the item and requested a refund. They now directed me to PayPal and said they can't help me and PayPal would need to take over from here. 

I contacted PayPal and explained my situation and that I wanted to reverse charges as I have been a victim of fraud. The first agent hung up on me when I asked for their legal department. The second agent I spoke to told me to file a police report and then MAYBE I could get a refund. I asked to speak to a manager and waited on hold for 26 minutes before I spoke to " XXXX ''. Nice enough guy, but still didn't do much to help. He just said to check back in 10 days. 

It's clear that this is a pattern of PayPal. They do not intend to help consumers with disputes or matters of fraud and instead try to make the consumer go through unreasonable steps after being taken advantage of. I'm sure they save millions by making consumers go through unreasonable steps as most consumers don't have the time or resources to complete the scavenger hunt PayPal puts them on. I called my local police department and they laughed and said there was nothing they could take a report on. There's no criminal law broken when someone sends you an empty envelope. They said its a " civil matter ''. 

So now, I am just a solo consumer trying to battle with two behemoth companies XXXX and PayPal. As they are both refusing to refund my payment I have no option but to eat the loss. Or file a smalls claims lawsuit which would cost me nearly as much as I am trying to get refunded. I am hoping the CFPB can help me rectify this matter as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have reached out to the credit bureaus and attempted to send certified letters to the US Department of Education. Unfortunately, the letters consistently show as in " transit, '' and I have been unable to confirm delivery. Despite using the contact information from my credit report, I have not received any verification of successful delivery. This lack of confirmation has raised serious concerns about the inaccuracies in my credit report related to this account. I worry that my concerns have not been properly investigated, especially as I have not received any response. These inaccuracies are significantly impacting my credit, and I am seeking assistance to ensure that this matter is resolved.

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 2023-12-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
Wells Fargo admitted to wrong doung by sending me {$200.00} check. I dispute this amount as I had to pay an attorney {$1500.00}, moving expenses and distress having to abandon my home. I feel I am entitled to more. Please see my number of complaints trying to resolve with your organization. Wells Fargo had deceptive and illegal business practices. I called them upon receipt of {$200.00} and they assured to camm me back in 72 hours and they never did. Is been over 5 days.

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 2022-10-19
Company: EQUIFAX, INC.
State: PA
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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.

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 2023-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
There are over 31 hard inquiries on my report I do not reconie. credit one resent, XXXX dealership, capitol one recent for car there is 3, loan inquiries did not do, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. all but 3 are in correct

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 non-monetary relief
Consumer complaint received 2021-03-02
Company: HUNTINGTON NATIONAL BANK, THE
State: WV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
1. Foreclosure without proper notification. 
2. Foreclosure without the borrower being notified. According to the foreclosure laws of WV. 
3. My wife left on XX/XX/2020, I contacted the bank to set up auto-withdraw. The lady at the bank said the house had been foreclosed on and sold already that there wasn't anything I could do to rectify this situation. They told me to call my local courthouse so I did, they told me to contact the foreclosure department for my bank and gave me a number. I did that and they told me the house would be given to a realtor in XXXX so call back then and she would be able to give the realtor 's name and number, so I did and didn't get the same lady and the other lady said it was with HUD, not their bank so I contacted them they told me it was with FHA dept. I have an attorney if you would need to see the documentation for all of this. It isn't an attorney for this situation but they have the information. My ex-wife had put holds on the mail, changed the contact information to a phone number we no longer had her email and any certified mail or personal notification she received and disposed of or hid. I never recieved any notice at all I worked full time as a XXXX  XXXX and started my XXXX XXXX at this time I worked 14 to 16 hour days 6 and 7 days a week. I had the money it just wasn't being paid. Had I known I would have fixed this before it ever got to this I put XXXX dollars into this house while it was being foreclosed on. 
4. Huntington National Bank, HUD, FHA, and my ex-wife

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: Experian Information Solutions Inc.
State: AZ
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 account is fraudulent and unauthorized : XXXX XXXX XXXX, I was incarcerated from XX/XX/XXXX until XX/XX/XXXX. Review attached document. I never applied for a XXXX XXXX personal loan. The account is not mine. Its a fraudulent and unauthorized account. My correct date of birth is : XX/XX/XXXX. There person who opened the fraudulent account had a state drivers license in my name, with a picture of me with the date of birth of 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 non-monetary relief
Consumer complaint received 2022-09-21
Company: Experian Information Solutions Inc.
State: DE
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:
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 XXXXXXXX I have disputed these account for inaccuracies and they came back as verified but looking at my most recent credit report I am still seeing the same inconsistencies as before. 
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 explanation
Consumer complaint received 2023-01-04
Company: JPMORGAN CHASE & CO.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposited an amount of {$480.00} to Chase Atm at XXXX XXXX XXXX XXXX XXXX, CA XXXX United States at XXXX XXXX Received receipt to call bank to check deposit was completed. No evidence of deposit was seen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Transunion & XXXX have a late payment showing with XXXX XXXX. I have never missed a payment with them & even after sending in proof repeatedly that it was paid on time still no fix & this violates the 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 non-monetary relief
Consumer complaint received 2023-07-18
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: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing XXXX XXXX XXXX XXXX. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
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:
Dear Sir/Madame Thank you for having this site for us a customers Paypal permanently limited my account and sent this email last XX/XX/XXXX : You can no longer use PayPal After a review, we decided to permanently limit your account as we found potential risk associated with it. Youll not be able to use PayPal to send and receive payments or shop online. 

If you have funds in your PayPal balance, well hold the amount for up to 180 days. After that period, well email you with information on how to access your funds. 

We regret any inconvenience this may cause. 

But now I look on my account and found out that they already transferred the money on their account. Here 's the message Transaction ID XXXX Note {$1300.00} USD ; PayPal Posting Date : XX/XX/XXXX ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;. 

Please we need help from you a lot of people is also having problem like this specially those who with small businesses. 

Thanks and XXXX

Company response to consumer: Closed with explanation