BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Customer service would not take care of the negative inquiries reporting to my credit report. 
1. XXXX cus. - XXXX 2.Online info. - XXXX. 
3.XXXX credit. - XXXX Customer services was rude and also poor English.

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 2018-04-21
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I was charged for a shipping label in the amount of {$19.00} in XX/XX/2018 XXXX/paypal. Every time I try to get a refund I'm told that they can't refund my card. Claiming, that they can only credit my paypal account. The purchase was not through any account. The refund procedure on their website says that the refund will be processed back to the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: LEXISNEXIS
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: Information belongs to someone else

Complaint:
I have received a credit card bill XXXX XXXX, although I've never had a card from XXXX XXXX, I checked my credit an more accounts were showing in my credit therefor I have noted them in this report to dispute them, these accounts below do not belong to me an are fraudulent. I have attach my id to proof my identity in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: EOS Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I called XXXX on XX/XX/2019 and after several tries, I was told I need to contact the collection agency, EOS CCA at XXXX. I called the collection agency and reached talked to XXXX. I explained the situation, that my ex-wife XXXX XXXX opened the account without my knowledge, and I was never informed. He brought over his manager, XXXX, who kept pushing me to pay this to clear it, even though I explained the situation, I told him I was in the process of purchasing a house and needed this resolved quickly, but he still pressed me to pay it off. He finally gave me some vague information to file a report and they would review it, but no assurance it will be resolved soon or at all.

EOS Case # XXXX The amount owed is : {$2000.00}. 
No date information given.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: CARD Corporation
State: VA
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:
MY CARD AND CARD INFORMATION WAS STOLEN AND I HAD MY SOCIAL SECURITY DEPOSIT ON THAT ACCOUNT I NEED MY MONEY TO BUY MY MEDS I HAVE STAGE XXXX XXXX AND IS XXXX. I CALLED AND EMAIL THE COMPANY ABOUT THESE CHARGES THAT I DID NOT MAKE I WANT MY MONEY BACK IT WAS FRAUD AND I DID NOT MAKE ANY OF THE CHARGES

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2021-05-24
Company: CORELOGIC 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:
THESE CREDIT INQUIRIES ARE UNAUTHORIZED AND NEED TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: EQUIFAX, INC.
State: NY
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:
Derogatory InformationLearn more ... Print your report ACCOUNT NAME ACCOUNT NUMBER ACCOUNT TYPE XXXX XXXX   XXXX - BUREAU ACCOUNT DESIGNATOR DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE Equifax Individual XX/XX/XXXX - - - XX/XX/XXXX PAYS AS AGREED - COMMENTS ACCOUNT CLOSED BY CREDIT GRANTOR, BUREAU DAYS PAST DUE HISTORY DATE 24 MONTH HISTORY About is listed in my Derogatory Information on Credit report. Not sure why this listed. Paid the account. Needs to come off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
ALL OF MY CREDIT REPORTS HAVE NOT BEEN UPDATED AS OF XX/XX/XXXX MY CREDIT SCORE IS REFLECTED BY NOT REMOVING PAST ACCOUNTS I HAVE PAID DOWN DEPT AND IT IS NOT REMOVED FROM MY CREDIT REPORTS I AM TRYING TO GET OFF OF A ADJUSTABLE MORTGAGE BUT KEEP GETTING TURNED DOWN BECAUSE OF A LOW CREDIT SCORE. 

IN XXXX I SUBMITTED A COMPLAINT TO THE CFPD AND IT WAS INVOLVING ANOTHER MEMBER OF MY FAMILY AND THE THE TRACES OF THAT COMPLAINT HAVE BEEN CLOSED BUT TRACES OF THOSE ACCOUNTS STILL ARE ON MY CREDIT REPORTS.

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 2019-04-09
Company: CORELOGIC INC
State: OH
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 having issues with address appearing on my file that do not belong to me! the following addresses are no mine please delete ASAP. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX , XXXX, OH 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 2019-04-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2019, I completed a sales transaction for an XXXX I was selling through a third party app ( XXXX ). However, the consumer stated she wanted to use the banking app XXXX ; a cash app that is available in the mobile banking. I was skeptical of the transaction, so I called Wells Fargo where a representative told me it was a secure app to use as long as the funds reflect on my account and instructed not to leave if the transaction was " pending ''. Therefore, I asked the consumer if she could XXXX me XXXX cents to make sure it would go through giving her my phone number to complete the transfer. She made the transfer and it reflected on my account, so I made the drive to complete the sale. We met, she loved the product, then she used XXXX to make the transfer of {$290.00} to cover the amount making the total purchase of {$300.00}, in which we agreed. Therefore, I transferred the {$300.00} dollars to my savings account and that's where the funds were up until XX/XX/2019. Until I noticed my Online Banking was frozen ; but unsure why until I made the call where I was told that {$300.00} was debited because she ( the consumer ) reported to her bank ( XXXX ) that she never made that transaction and was fraudulent, which is false. After hours and dozens of fraud claims department representatives, I was told the same thing. " File a police report, its out of our hands at this point ''. This would be a reasonable ; had they notified me at all about the situation, but NOONE at Wells Fargo or any representative called or texted me at all to let me know about the claim against me. I was told that they ( Wells Fargo ) received the claim XX/XX/XXXX and judgement was ruled and I was debited XX/XX/XXXX, which makes absolutely no sense. I was even told that they notified me by mail ( which was mailed out XX/XX/XXXX ), but I made my calls XX/XX/XXXX when I found out. I didn't receive that letter in the mail until XX/XX/XXXX. Wells Fargo made no attempt to contact me to make an appeal of some sort. I don't feel safe with my funds being banked at Wells Fargo no longer, after I was instructed that it was safe to use their app to complete cash transfers. I was also told out of sarcasm ; that if I bought multiple items on third party apps -ie. XXXX, XXXX, XXXX, etc., and I reported as fraud as well that I would get my money back the way she ( the consumer ) did to me. She ( the consumer of my XXXX ) now has my phone and her money. I am extremely irate, and I feel Wells Fargo handled this situation unprofessionally, and I feel Wells Fargo should be held accountable.

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 2020-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Please attached documents and narratives.

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 monetary relief
Consumer complaint received 2018-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX is duplicating an account for a student loan. The loan was sent to XXXX and I am dealing with them. The school committed fraud.

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 2017-12-01
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was charged Private Mortgage Insurance ( PMI ) for 112 months even though my Loan to Value ( LTV ) was less than % 80 at the time of purchase ; which means I had already reached the required minimum so PMI should of never been charged. I purchased the property XX/XX/XXXX and the PMI ended on XX/XX/XXXX. The monthly PMI was {$160.00} and the interest rate was % XXXX. I sent multiple letters over the past decade asking the bank to remove the PMI and was denied. I am attaching proof of the value of the home at time of purchase, PMI denial letters, promissary note ( amount borowered ) and statements showing PMI charges. The amount borrowed was {$410000.00} and the value was {$540000.00} at the time of purchase. I have uploaded multiple attachments but not all seemed to have been added. Please let me know if additional information is needed.

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 2015-05-12
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/2014, I filed CFPB case # XXXX which was a complaint against Ocwen Loan Servicing , LLC . In the resolution of that case, Ocwen promised to reverse a late fee in the amount of {$58.00} and apply the funds into a " suspense account '' to be used in future payments on the account. Over the course of several months, Ocwen applied fraudulent accounting techniques to hide the {$58.00} without ever applying the funds to future payments or otherwise disbursing the money back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 is reporting on my credit report and I never received anything from them nor do I know what this is. 
I have disputed it with the bureaus and they have yet to validate the account. XXXX XXXX is not valid verification and XXXX XXXX doesn't have any documentation for this debt.

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 2020-10-12
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: Investigation took more than 30 days

Complaint:
I sent several dispute letters to Equifax on XX/XX/2020 along withProof of my identity and until this date I still have not received a response to any of my disputes.

As far as I'm concerned the Fair Credit Reporting Act indicates on Section 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period, beginning on the date on which the agency receives the notice of the dispute from the consumer. 

I need you to please have Equifax Delete these inaccurate accounts from my reports as the Fair Credit Reporting says they should because of their lack of response to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Experian Information Solutions Inc.
State: OH
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 having issues with addresses appearing on my file that do not belong to me! the following addresses are no mine please delete ASAP. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX MLK XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, OH 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 2021-05-03
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX i opened an account with navy federal credit union, next day i was put on restriction due to false info on a consumer report now Im unable to use the account for my own benefits.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
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:
This account XXXX ( XXXX ) list on my credit report has been cancelled. The bank issued a 1099C form and the account has been filed as EARNED INCOME. Since the account has been filed with the IRS the account status is now earned income, INCOME IS NOT REPORTED ON CREDIT PROFILES. PLEASE DELETE IMMEDIATLEY. This is a violation of 15 U.S Code 1681e compliance procedures ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. If this account is not deleted immediately, I will take legal action for negligent and willful noncompliance with the law. I am not a credit report company and this matter is not " frivolous '' or " irrelevant '', in fact I can assure you that I no way do I or my legal team consider a matter of such importance as " frivolous '' or " irrelevant ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Experian Information Solutions Inc.
State: PA
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:
Upon checking my Report there are multiple accounts I do not recognize

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 2019-04-09
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
On XX/XX/XXXX, I applied for a secured Citibank Credit Card and was approved and submitted bank account information for the collateral. The {$200.00} deposit was debited from my account on XX/XX/XXXX and obtained an update the following week from " Application Status '' page that the card was mailed onXX/XX/XXXX and would be sent within 7 - 10 days. I called on XX/XX/2019 as I had not received the card asking that the card be expedited as I had not received the prior card. The representative initially told me that they could not expedite new card. I explained that the new card was never received and it was past the 10 days. I asked to speak to the supervisor and the rep placed me on a very long wait with just silence. I thought the call dropped and I called back and the system said that replacement card will be sent through express delivery. I called again today to obtain tracking number and the system states that the card was mailed on XX/XX/XXXX and will be delivered to my address XX/XX/XXXX. In speaking with the merchant rep, I was told the card was mailed through US mail even though your automated system says otherwise. 

I am frustrated as I had to be transferred to different departments and getting a run around for a card where I made a deposit on. I have been inconvenienced as I had to wait for about a month for this card. I satisfied the requirement to make the deposit while Citibank continues to give me misinformation. I am requesting remediation for the inconvenience.

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 2020-05-12
Company: Experian Information Solutions Inc.
State: AR
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 the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX   XXXX {$1100.00} XXXX  XXXX {$2000.00} XXXX XXXX {$5100.00} XXXX XXXX {$13000.00} XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$260.00} XXXX  XXXX {$720.00} CHAPTER XXXX BANKRUPTCY XXXX {$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