BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX Balance {$7700.00} XXXX XXXX XXXXXXXX Balance : {$4600.00} XXXX XXXX XXXX  XXXX Balance : {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Convergent Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Family member opened account In my name and I am not responsible for debt this is identity theft. I tried to contact business to clear off report and was told no.

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 2022-08-10
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022, I placed a delivery order through XXXX from XXXX XXXX XXXX XXXX XXXX. The food that I received was incorrect, burnt and missing items. 
I did not get the dressing for my salad, my " cheese rolls '' were burnt black, the calzone was soaked in garlic butter, my pizza was supposed to half cheese, half veggie with no mushrooms, and it was all veggie and did indeed include mushrooms. 

I contacted XXXX and they said that there was nothing that they could do. I contacted XXXX XXXX XXXX multiple times, and they have not returned my messages. I filed a dispute with my bank, ( KeyBank ), and they issued a preliminary credit, but ultimately reversed that. 

I spent {$54.00} and {$9.00} through XXXX on this transaction. I disputed both charges with my bank. I have photos of the food, my receipt from XXXX, and my chat conversation with XXXX that proves that I did not get what I ordered and that XXXX refused to do anything to make it right. 

No one is willing to fix this situation. I just want my money back, because I didn't get what I ordered.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
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: Account status incorrect

Complaint:
In my husband 's CFPB complaint XXXX ( XXXX XXXX ), he stated that Experian continued to include on their credit reports a XXXX home equity line of credit ( HELOC ) account that was included in a XXXX XXXX XXXX that was filed over 7 years ago. Based on the XXXX XXXX filing date of XX/XX/XXXX, this item should no longer appear on his credit reports and should have been removed 7 years after the XXXX XXXX XXXX filing date. To make matters even worse, the Experian credit reports stated that the account would stay on the reports until XXXX which is over 12 years after we filed for XXXX XXXX XXXX and perhaps coincidentally 7 years after our XXXX XXXX was discharged. Via his CFPB complaint, my husband successfully had the XXXX HELOC removed from his credit reports. As the HELOC account was a joint account with me and husband and the XXXX XXXX XXXX was a joint bankruptcy with me and my husband, I am in the same exact situation as my husband. Thus, as with my husband 's credit reports, the XXXX HELOC should be removed from my credit reports for the exact same reason as my husband. 

I specifically want to point out an attachment titled " Letter from XXXX Dated XXXX '' in which XXXX verifies that this account was included in our XXXX XXXX XXXX  that was filed on XX/XX/XXXX and discharged on XX/XX/XXXX. However, XXXX states that they correctly reported as " Paid in settlement '' at the time of our bankruptcy discharge even though they admit the settlement was our XXXX XXXX discharge. My husband stated to XXXX that an account discharged in a XXXX XXXX XXXX  should appear on our credit reports as something other than " Paid in settlement '' but they disagreed. XXXX stated in its letter and in phone calls that we need to contact Experian directly if we want to dispute how the account appears on our credit reports. 

I am also attaching to this complaint all of the documentation my husband included in his complaint. Most of the documents were attachments to the letter titled " Cover Letter to XXXX XXXX '' in which he initially complained to XXXX about the reporting of the 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 non-monetary relief
Consumer complaint received 2023-02-17
Company: Experian Information Solutions 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: 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. 


Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-01-26
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX Balance {$7700.00} XXXX XXXX XXXXXXXX Balance : {$4600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$250.00}

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 non-monetary relief
Consumer complaint received 2021-11-02
Company: Experian Information Solutions Inc.
State: DE
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:
An unknown account is on my credit report. I disputed it. They say it's accurate. Gave me no information. It's a store I haven't been to in over a decade, obvious 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 2023-02-19
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
My account was frozen with a balance over {$300.00}! When I asked why it was frozen they deactivated my account and refused to let me have the money in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: Experian Information Solutions 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:
I have not received confirmation nor certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately.Therefore you are to present to me with a certificate in testimony that the alleged accounts listed in Facts 9,10, are in fact compliant and not subterfuge ( copied from affidavit )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I booked some flight tickets in XXXX using my HSBC credit card for travelling in XXXX. I paid the credit card bill before the due date. Due to COVID, flight got cancelled and airline declined to refund the amount I paid. I raised a dispute with HSBC and they refunded the money in my credit card account in XXXX which resulted into a big surplus balance ( more than USD XXXX ) in my credit card account. I started using that balance by using that card for all my shoppings and other expenses. Till XXXX XXXX, I could use more than USD XXXX. I still had around XXXX XXXX surplus balance left in the account. After few days, when I checked the balance, I found that balance was nil. I called HSBC customer service and found that they issued a check for the balance amount without asking me and they dispatched it through mail. When I called them after few days to inform that I hadn't received that cheque and I wanted the tracking details, they said they can provide tracking details only after 14 working days from the date of dispatch. I waited for 14 working days and then they said they don't have any tracking details since it was sent through ordinary mail. 
I waited till XXXX XXXX and then called them again and asked them to issue a new cheque, dispatch it through XXXX or XXXX and share the tracking details. They said they will act on it and will share the tracking details by XXXX XXXX. I called them on XXXX XXXX, they didn't have any update. I called them on XXXX XXXX, and they still don't have any update. So after wasting a lot of my time and efforts I don't have any cheque or any money in my hand without any responsibility being accepted by HSBC for the mess they created.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
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:
I HAVE CONTACTED EXPERIAN ON 3 DIFFERENT occasions infoming them that I am a victim of identity theft. yet they are still continuing to state that the following accounts have been verified. Yet Im not understanding how because neither company could verify with me nor show any contract bearing my signature that proves any legal obligations that I have had with either company. The following companies are a result of identity theft XXXX in the amount of {$980.00}, XXXX XXXX XXXX is the amount of {$1300.00}, XXXX XXXX XXXX in the amount of {$1800.00}. These accounts are a result of identity theft.Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this 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 2019-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
We ( Spouse and myself ) was made aware of the error while applying for a loan on XX/XX/XXXX at a different bank. During the loan application process, it was discovered that XXXX XXXX was reporting each of my two credit cards to the three main credit reporting agencies under two different names. This effectively doubled our debt for each card, doubled the credit outstanding and lowered my FICO score. They reported the credit cards to XXXX  and XXXX as XXXX XXXX XXXX XXXX XXXX and reported to TransUnion as XXXX XXXX XXXX XXXX XXXX. It was discussed with the local branch in XXXX, XXXX, which pushed it to XXXX XXXX Credit Card division. The CC division said there was no error on their part, and it was the credit reporting agencies issue. I then went back to the local manager, and he gave me the number for the XXXX XXXX XXXX of the Chairman. They investigated and said there was no error on their part. The original loan officer that discovered the problem said that it is XXXX problem and is a software glitch on XXXX XXXX 's end. 
I filed a complaint with TransUnion on XX/XX/XXXX and six months later it still shows open requiring " manual '' review. I believe that this is likely a large problem with XXXX XXXX XXXX Credit Card Customers across the country.

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 2023-02-02
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:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), 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 or creditor. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly REPAIR all information which can not be verified. 

XXXX XXXXXXXX

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 2023-02-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Wells Fargo charged me over XXXX $ in non sufficient fund

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 2023-10-17
Company: Westlake Services, LLC
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Westlake is reporting inaccurate information about a loan that was settled. The amount they are reporting is incorrect, they seem to have different information reported with the credit bureaus. 

I am attempted to dispute this with Westlake, XXXX, and XXXX but have not been successful with getting this concern corrected. 

The credit bureaus are doing incomplete investigations and just going off of what Westlake is sending them.

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 2019-10-25
Company: Castle and Cookie Mortgage LLC
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX and XXXX are two of the most incompetent duo in the mortgage industry. they totally botched my loan and caused me to loose my property, Ernest money and my appraisal fee. the easiest part of doing a loan is supplying a customer with a preapproval letter, XXXX miscalculate my income and gave me a preapproval letter and for 4 months XXXX never checked behind him to verify that his work was accurate. so in the mean time im looking for properties and putting down Ernest money. when i found the property i wanted they had me pay for an appraisal and set up several closing dates with my realtor and attorney only to come back and say that due to there mistake and there error that we could not do the loan. i supplied them with all my financial information in the beginning, so there was no change in in my finances to warrant me not getting this loan other than there miscalculation and negligence. even after XXXX admitted to it being there error, he would not refund my appraisal fee or my earnest money. these are some shady and elusive characters, and i was suppose to by law receive a letter from them telling me why my loan was denied and i have never received that due to the fact that it was due to the negligence and they dont want that in writing

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief