BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-09
Company: EQUIFAX, INC.
State: MA
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:
Hi XXXX  and how are you doing? Why is my process is taking longer than 60-90 days? I understand were in pandemic, but Ive disputed and sent letters out since the beginning of XXXX, and both the creditor and credit bureaus failed to respond Why? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Recently I have received numerous text messages stating that there are problems with my Paypal account. I have deleted them as I believe they were phishing attempts. 

XX/XX/2022 I received an email that stated that a recovery phone number had been added to my Paypal account -- I did not add that phone number. Now, when I try to log on to Paypal, it says it is sending a code to this unauthorized number and I can't log on. 

XX/XX/2022 I received an email at my work email stating that my credit card on file with Paypal is expired. 

Paypal was unavailable during the entire holiday weekend to address my concerns. I believe Paypal has 3 separate accounts open for me and I do not trust that company 's controls over my accounts and credit card information. I spoke with a representative and his supervisor today. They told me that I would need to go through every credit card in my wallet to verify my account with them. That was only for ONE of the accounts I believe has been opened by Paypal. 

I want any Paypal accounts opened under any emails associated with me to be closed, including but not limited to : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02
Company: REGIONS FINANCIAL CORPORATION
State: PA
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:
Used " Been Verified '' offer 1 day {$1.00}, paid for it & done. Then a charge of {$31.00} left me a balance of {$1.00}, which I didn't authorize or use services. Filed a dispute onXX/XX/2021 Was told by CSR XXXX  days for answers. I updated numerous times same run around with no avail. Now we are XXXX  days from 90 days & I know no more than I did XX/XX/2021

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 2021-02-16
Company: Bread Financial Holdings, Inc.
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX we booked an XXXXXXXX XXXX  through XXXX XXXX XXXX ( XXXX XXXX ) located in XXXX Fl. and paid {$200.00} deposit using our Visa Credit Card for 2 people to the XXXX XXXX for XX/XX/XXXX. 
Then on XX/XX/XXXX we paid the remaining Cruise balance of {$2700.00} on our MasterCard credit card. 
Then on XX/XX/XXXX we noticed a credit of {$260.00} on our MasterCard statement from XXXX ( XXXX XXXX XXXX ) Then on XX/XX/XXXX we noticed another credit of {$310.00} on our MasterCard statement from XXXX. 
Then on XX/XX/XXXX XXXX XXXX XXXX sent out an E-Mail stating that due to unforeseen circumstances they had to cancel the XXXX XXXX Cruise reservations and will no longer be working with XXXX. They stated they could not discuss the reasons. Do to the cancellations XXXX XXXX XXXX is requesting a full refund of deposits and any other monies paid. She stated refunds have been initiated through XXXX and they will be issuing refunds to all. The ONLY refund we received was the {$200.00} deposit on our Visa. 
After not receiving a Full Refund we on XX/XX/XXXX called XXXX and spoke to ( XXXX a Refund Support Team Member ) asking him why we had not received the rest of our refund in the amount of {$2100.00}. He ask for our MasterCard # and then stated that our Credit Card money was used for an XX/XX/XXXX cruise to Hawaii for someone else. He stated that's why there were ( 2 ) credits issued on our Master Card statement because the XXXX  cruise did not cost as much as the XXXX XXXX XXXX that WE had booked. He also stated there is no refund due because the Cruise has already happened. 
( So we the customer unwillingly paid for someone else 's Cruise ) therefore our Credit Card was used Fraudulently. In XX/XX/XXXX XXXX XXXX of XXXX XXXX XXXX was accused of committing credit card FRAUD. 
XXXX also stated that XXXX XXXX committed credit card Fraud. Faced with a financial mess XXXX issued refunds but not to everyone. Some customers were told there payments went for trips that had already sailed which included us and many others. 
We at this point contacted our credit card Bank ( Comenity ) and disputed the charge because our credit card was used Fraudulently and that they should refund the monies we're out. They denied our claim stating it was not Fraud because we had given our credit card # to the merchant. We tried a number of times ( with supporting documents ) to explain that our card was used for someone else 's cruise. They continued to decline. 
We paid for services ( cruise ) that we did not receive! 
We have ALL the documents to support our complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Hi XXXX and how are you doing? Why is my process is taking longer than 60-90 days? I understand were in pandemic, but Ive disputed and sent letters out since the beginning of XXXX, and both the creditor and credit bureaus failed to respond Why? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2022-01-09
Company: ERC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The vehicle was stolen and never late. When I called the creditor agreed to clear the late payments for excellent pay history and good will. Since the vehicle was stolen and this was the end of the loan period.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
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: Problem with personal statement of dispute

Complaint:
Under 15 U.S. Code 1692j furnishing certain deceptive forms I'm not participating in the collection of this alleged debt. XXXX XXXX XXXX XXXX XXXX cease and desist ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: CORELOGIC 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: Personal information incorrect

Complaint:
XXXX  won't remove address that are not mine so my documents keeps getting sent their this is why we had ID theft issues in America XXXX XXXX XXXX XXXX not mine or XXXX XXXX or XXXX address

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 2019-07-05
Company: EQUIFAX, INC.
State: FL
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: Problem with personal statement of dispute

Complaint:
I sent in a Dispute letter to all XXXX credit bureaus ( XXXX, Equifax, and XXXX ) to send me proof that the below accounts belong to me. For example ; Documents with me signature which was stated in the letter because the bureaus stated that it was verified prior to me sending another letter for proof with my signature. 

XXXX  ( XXXX XXXX Bank, XXXX XXXX Bank ) Equifax ( XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX Bank XXXX ) Experian ( XXXX XXXX Bank, XXXX XXXX Bank, XXXX XXXX XXXX, ) I received a response stating that the accounts were verified again with no proof!! I demand that these accounts be removed from all of the credit bureaus because it is against the to not respond properly when an item is asked for PROOF! I sent in my letters and it has been well over XXXX  days without proof of my signature. Ive wrote the credit bureaus and this was not a good response for the second time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
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: Personal information incorrect

Complaint:
experian won't remove address that are not mine so my documents keeps getting sent their this is why we had ID theft issues in America XXXX XXXX XXXX XXXX not mine or XXXX XXXX or XXXX address

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 2021-08-15
Company: Experian Information Solutions Inc.
State: FL
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:
The first set of dispute letters were sent in on XX/XX/2021. It has been more than 30 days and no response. I have reopened the investigation and submitted the letters again.

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 2015-12-31
Company: National Enterprise Systems, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For about two weeks National Enterprise Systems has been calling every morning at about XXXX for a person that does not live at my address. I have asked them to stop calling my phone number but that has not stopped the calls. I want them to stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
2. I received the response in regards to the inquiries. The creditors have been contacted and notified prior to the initial complaint. The creditors noted, and they stated that they have no evidence that I initiated these inquiries, either written or otherwise, and could not provide me with a permissible purpose. As these inquiries are both unauthorized and unsubstantiated, I request they be deleted from my credit report. Per Section 604 of the Fair Credit Reporting Act ( FCRA ), all users of my credit report must have a permissible purpose. Specifically, per section 604 ( a ) ( 3 ) ( f ), a consumer reporting agency may only furnish a report I initiated. No evidence supports I initiated this request, I request these inquiries be removed from my credit report as per section 611 ( 5 ) ( a ) ( i  ). *XXXX XXXX / XX/XX/2019, *XXXX  / XX/XX/2019.

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 2021-04-13
Company: BAM Management US Holdings Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I made an account with Binance.us, I have transferred my crypto into the account, and then I realized that they will only let me withdraw {$5000.00} worth of my crypto a day. I have {$100000.00}, that means it will take me 20 days to take it all out. My crypto is stuck, i can't trade or do anything with it. I need to take all my crypto out, so I started a support ticket and nobody is responding or helping me. In order to increase my withdrawal limit, they have to approve my address verification, they keep rejecting it because my bank statement has a po box and they don't support it. NOBODY is helping me, I desperately just want my crypto out of there, it's like they are holding it hostage

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion failed to verify the accuracy on XXXX XXXX XXXX, XXXX XXXX XXXX..The accounts are current, paid on time..Please remove the late status from my credit report as soon as possible the sooner the better because it is preventing me from getting anything approved

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 2020-10-09
Company: CrossCountry Mortgage LLC
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: Account information incorrect

Complaint:
it started in XXXX when my wife passed away. i have a mortgage with this company and i called them after my wife 's passing and talked to XXXX XXXX a senior loan officer with the company and asked about a lower interest rate and payment since my income had dropped with my wife 's passing. he said sure they would work on it and they did and i started talking to XXXX another associate and was told by XXXX not to make XXXX payment which I did after it drug on and then was told not to make XXXX or XXXX payment so i waited and finally in XXXX i got an email with a revised mortgage plan and i looked at and sent it back. then i got a closing XXXX XX/XX/XXXX from XXXX XXXX another sales manager.i looked at and signed it and sent it back. then XXXX called me and needed a copy of my wife 's death certificate and i sent it to XXXX XXXX XX/XX/XXXX then i checked my email and it said that my application had been closed.with no explaination. i have called these guy 's several times with no response and emailed them several times with no response. now i find out that it shows a late payment for XXXX on my credit report. i made all the payment for XXXX on the phone to get caught up and mailed the XXXX payment the same day..i found out they told me not to make the payments so it would show on my credit report so that they could keep my business.I need some answeres to why suddenly they closed my application. i made payments to them for a year with non being late. i had the money to make the other payments but was doing what they asked me to do. need that late payment off of mt credit report.Thank you i need help with this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Experian Information Solutions Inc.
State: MA
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:
Hi XXXX XXXX XXXX XXXX XXXX ; and how are you doing? Why is my process is taking longer than 60-90 days? I understand were in pandemic, but Ive disputed and sent letters  out since the beginning of XXXX, and both the creditor and credit bureaus failed to respond Why? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2021-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I took out a mortgage in XXXX with XXXX  as nominee for XXXX XXXX recorded in the XXXX  County Registry of Deeds in book XXXX XXXX XXXX. Then there is a XXXX assignment from XXXX to Bank of America recorded in said registry in Book XXXX XXXX XXXX. Then when the loan was paid off and was discharged by XXXX who no longer had the mortgage. See purported discharge recorded in said registry in Book XXXX XXXX. So the mortgage is still outstanding. Bank of America refuses to record a discharge even though they tell me they have the authority to do so. I spoke to XXXX who spoke to her Supervisor XXXX who should be fired. The phone number we called was XXXX - XXXX XXXX. XXXX said they were the correct department.

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