BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: TX
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:
( 1 ). In accordance with the Fair Credit Reporting Act 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.

( 2 ). In accordance with the Fair Credit Reporting Act 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. 


( 3 ). In accordance with the Fair Credit Reporting Act 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.

( 4 ). In accordance with the Fair Credit Reporting Act 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. 

( 5 ). In accordance with the Fair Credit Reporting Act 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.

( 6 ). In accordance with the Fair Credit Reporting Act 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.

( 7 ). In accordance with the Fair Credit Reporting Act 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
I have been a Victim of ID Theft and multiple Inquiries are reporting on my XXXX  credit report from CitiCard, Exxon   CitiCard, THD CBNA,  and Best Buy CBNA. I have enclosed a letter with the dates of each occasion. I have contacted XXXX  explaining the situation and they have referred me to CitiCard to have the fraudulent inquiries removed. I contacted CBNA and they are not helping me to resolve this issue. The multiple fraudulent inquiries are hurting 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 2019-02-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
First my father XXXX XXXX died XXXX, modification was approved for XXXX and XXXX and XXXX. Faxed in death certificate, trust, grand deed, XX/XX/2018, Wellsfargo lost, faxed XX/XX/2018 lost, proof faxed XXXX, had for almost 4 months! Get letter dated XXXX that I, XXXX XXXX am the successor, so faxed in signed letter and modificaiton package. Wellsfargo home mortgage locked account and lock my fathers checking and savings account ( still locked ) with under {$50000.00}. I did right thing with trust, letting all of Wellsfargo departments know about his death! I could have paid the mortgage if wasnt locked out and if the money wasnt locked since i am the beneficiary! So mad why im treated this way and did the right thing when father died!

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 2019-02-20
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold from XXXX to Ditech XX/XX/2018. My insurance and taxes are escrowed into my monthly home insurance payment. I received a notice from my Homeowners insurance company on XX/XX/XXXX that the Insurance invoice had not yet been paid. 
I contacted DiTech immediately XX/XX/XXXX. During the call I provided the name to the insurance company, insurance phone number, account number, and insurance agent phone number. ( Which I could already see was visible on my account profile online. ) The representative assured the payment would be made immediately. Yesterday XX/XX/XXXX, I receive another letter from the insurance and mortgage company that the bill was not paid. I contacted XXXX ( Insurance ) and they confirmed my insurance was pending cancellation. 

This morning XX/XX/XXXX, I contacted the Insurance Agent who advised I would need to pay XXXX to reinstate the insurance. She advised she had heard NOTHING from Ditech and was unaware a statement was required. DITECH has my money and has caused a lapse in homeowners and additional funds that needed to be paid. 

I demand to remove escrow and get full refunds for all funds paid to reinstate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : 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 explanation
Consumer complaint received 2019-02-20
Company: Synovus Bank
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX account is a secured deposit credit card account opened XX/XX/2015. I sent XXXX a {$500.00} security deposit and never received the card. I did not activate or make any charges on this account. The account was auto charged and began reporting to all 3 bureaus without my knowledge and without my capability to make payments or obtain any information about this situation. The contact information for this company was inadequate on their website. I was charged {$500.00} and never received any services in exchange, adding the negative reports on my credit adds insult to injury.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
to whom this may concern my identity was stolen and the thief try to apply for several credit cards using my social security number and my name I did not authorize this transaction they have totally ruined my credit score it has  calls such a major heartache on me financially and mentally can someone please assist me and having these removed from my credit this was put on there as a hard inquiry and I would like to have that hard inquiry removed please I would very much appreciate some assistance Creditor Contact Details XXXX  Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Creditor Contact Details Cap One Inquiry XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Creditor Contact Details XXXX XXXXnquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX  XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-20
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 following events occurred over the last 17 years which I believe led to the my identity theft. In XXXX I lost my social security card, in the year XXXX I was affected by the XXXX  data breach, XXXX I was affect by the XXXX XXXX security breach on my account for my children, XXXX I lost my wallet which included my state issued drivers license and other information and I lost my social in the year XXXX as well. I believe the above events led to thieves using my identity to open the accounts reported.

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 2019-02-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Once in XXXX and twice in XXXX of 2019 I asked my loan servicer, XXXX on behalf of Citizens Bank, for a copy of my original promissory note. My loan payments have gone up twice, and I believed that I signed up for a fixed rate loan for 15 years, as opposed to a variable interest or graduated. I am simply asking for proof of my requirements to make these higher payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Failure to investigate claims

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 2017-12-20
Company: Experian Information Solutions Inc.
State: NM
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:
Experian is not responding to any of my many requests to investigate, verify and remove accounts from my credit report/file that do not belong to me.

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 2023-01-06
Company: Experian Information Solutions Inc.
State: LA
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 and there is inaccurate unknown, employment, accounts and addresses that are not mine. These companies are also still reporting information on these closed charged off accounts. Please remove 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 non-monetary relief
Consumer complaint received 2022-10-11
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:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
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:
All three major credit bureaus XXXX, Transunion and XXXX have illegally hoarded consumers personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make XXXX of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. My wish is for the Federal Trade Commission and Consumer Financial Protection Bureau to demand on my behalf that all 3 credit bureaus remove all of this Consumers social security numbers, date of births, financial accounts or credit/debit card numbers, driver license numbers, detailed health or medical history or similar sensitive information. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer. Consumer wishes for damages of XXXX XXXX dollars from all 3 credit bureaus for their Treasonous deeds and all will be forgiven. Consumer would also like to thank the Federal Trade Commission and Consumer Financial Protection Bureau for protecting her/his Personal, Family, and Household.

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 2019-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX, XXXX, and Transunion are not taking my claims seriously. They are not providing any evidence of how they made their decision. If you ask them to show you how they verified the negative information on my file they will not have an acceptable answer. All I ask is that they conduct a fair investigation but they are not.

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 2021-03-31
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: Information belongs to someone else

Complaint:
XXXX XXXX original creditor XXXX XXXX XXXX - is reporting incorrectly to Experian and XXXX  a collection/chargeoff in the amount of {$930.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I do not now, nor have I in the past, ever had an account with XXXX XXXX XXXX. This account is fraudulent and does not belong to me. Experian and XXXX  are also failing to investigate numerous letters I have sent requesting a review into the validity of this account. They are also reporting this item as not in dispute when in fact this item is in dispute. This language needs to be reflected on my credit report. This false reporting of an item that does not belong to me as well as not reporting this account as in dispute is seriously harming my credit score. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This line item needs to be completely removed from my credit report. Again, I have contacted the bureaus multiple times to review this account however, I have not been successful.

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 2018-04-08
Company: Experian Information Solutions Inc.
State: MN
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:
Their company has ignored my request to provide me with documents on their file that they used to verify the account I disputed. ( XXXX XXXX XXXX ) {$0.00} balance ( charge off ) I've written them multiple times, and they still can not verify my account. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified. Please resolve this matter as soon as possible. Thank you.

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 2022-09-28
Company: United PanAm Financial Corp.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have footage of car breaking down right after i bought it, i took it back they had it for 3 months straight i tried to refund they gave me hard time and would not allow me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: Rocket Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted Quicken Loans about possible considering a home equity line of credit. XXXX XXXX, who was assisting me, obtained my private information and at no time told me she was going to pull my credit. I monitor my personal credit daily and at no time during the conversation did I advise her to pull my credit. What she did was illegal and unauthorized. If the phone call was recorded, at no time did I authorize XXXX XXXX or Quicken Loans to pull my personal credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions 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:
I reviewed my Consumer Reports and noticed that I had erroneous reports on some accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX Balance : {$1000.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX XXXX Balance : {$6400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I have used PayPal personal transfer feature for years to receive and send money from friends, family and acquaintances. These personal transfers are widely advertised by PayPal as free and I've never had any issues with it. Even when people transferred money and mistakenly classified as a purchase, I would simply refund the money and have that person send me the money as a personal transfer. Every time, PayPal had simply refund me the transaction fees. Apparently they changed their policy and decided they will no longer return any transaction fees even in the case where the person sending me the money clearly made a mistake and classified the original transaction as a purchase. Furthermore, their money transfer workflow is deceptive and designed to trick new users into sending money as a purchase as opposed to a personal transfer. This is unacceptable. I was meant to receive {$6000.00} and PayPal refuses to return 3 % in fees even though it's very obvious that the person meant to send me a personal transfer.

Company response to consumer: Closed with explanation