BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I believe this is the 4th complaint I 've filed with CFPB regarding this matter. My credit reports are still showing either fraud alerts, XXXX XXXX alerts, or both. I have gone through extensive measures to get these removed from my credit reports, included being bounced around from department-to-department, mailing in proof of my identification, letters, and CFPB complaints. 

For the nth time, I am not nor have I ever been on XXXX XXXX and I do not want any type of fraud monitoring or alerts on my credit reports. These have stopped me from opening new accounts. 

Please remove 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 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I believe this is the 4th complaint I 've filed with CFPB regarding this matter. My credit reports are still showing either fraud alerts, XXXX XXXX XXXX, or both. I have gone through extensive measures to get these removed from my credit reports, included being bounced around from department-to-department, mailing in proof of my identification, letters, and CFPB complaints. 

For the nth time, I am not nor have I ever been on XXXX XXXX and I do not want any type of fraud monitoring or alerts on my credit reports. These have stopped me from opening new accounts. 

Please remove 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 non-monetary relief
Consumer complaint received 2022-06-14
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Overdraft, savings, or rewards features

Complaint:
I incurred overdraft fees because paypal charged the wrong bank account within the last month. I contacted paypal and they agreed it was their fault so they sent me a letter stating that for my bank. I sent the letter to my bank and they did not reverse all of the fees. I contacted paypal to pay for the overdraft fee the bank wouldnt reverse and they denied the case. They took money out of an account that didnt have any funds which shouldnt have happened. It should have been denied like before. Also I signed in and chose which account for the money to be taken out of which they didnt do until the couldnt get the money out of the other account after 2 attempts. They attempted the withdrawl 2 times for each transaction then took it from the correct account the 3rd time. After I spoke with paypal and they said they fixed it, it happened again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-23
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I sent money over PayPal for concert ticket. I never received the ticket but the person accepted it. It hasnt went through but PayPal wont cancel. It is a scammer by the name of XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-13
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I recently had contacted the FDIC and they had directed me to the XXXX. Back months ago I had noticed that there was money missing from my bank account. At least {$8000.00} dollars. I looked through all of the deposits and withdraws listed on my bank 's web site. I could not find any indications of money being withdrawn, transferred or otherwise. I called them a few times and requested printed out copies of all transactions. I looked through everything and could not find any amounts that would help pinpoint the missing money. I had spoken to several different people at the bank I deal with and they could not provide me with any answers. I had gotten to the point of a bit of frustration and had not called them in a few months. So basically I was getting nowhere with speaking to them on the phone. What it has seemed is that they can not offer help or assist me with remedying this ongoing issue.

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 2017-09-13
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
this complain is for the collection practices regarding the in store card for XXXX XXXX via Comenity Bank. This month i was XXXX week last paying my card - i had a health issue but that is neither here nor there. on day XXXX that i was late ( btw first time i was late ) Comenity started calling me every hour on the hour starting at XXXX pst and usually ending around XXXX - they have XXXX different numbers they are using and then a restricted XXXX which they think apparently gives them carte blanche for phone harassment since i can not identify the number but i know it is them - along with their other numbers they call on the hour - every hour - every day Monday thru Sunday. - last time i checked this was phone harassment - they leave no message and now have also started texting me - again i was XXXX WEEK LATE and as soon as i got my next paycheck i scheduled the payment. i have all the calls on my phone and think this is ridiculous. a few years ago i was late by a few months with my XXXX XXXX XXXX and they called me twice during that whole time. every hour on the hour is harassment and i want to file a compliant they ca n't do!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX  closed out my checking account because of an issue with a merchant I purchased computers for my business the merchant did not deliver or claimed the packages got lost so I then did a police report XXXX temporary credit my checking account I was bale to take the funds from the bank and went on to purchase my items with the funds after submitting the police report and all the substantial evidence XXXX XXXX  still ruled that my account was not to be permanently credited closed it out at a negative balance and then sent me to collections. I then applied for a XXXX XXXX XXXX XXXX account because now that my account is closed I need to do banking else where XXXX XXXX  XXXX as sent NEGATIVE INFORMATION OF FRAUD to XXXX XXXX and until this is corrected they will not do business with me I have attached all the evidence after reaching out to XXXX they ruled to stand by XXXX XXXX and found no error. Please Help ME rectify this situation

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 2022-06-14
Company: EQUIFAX, INC.
State: NJ
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 These Accounts ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have 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 an account without my written instructions In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 These Accounts ; XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX credit limit XXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX have 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 an account without my written instructions In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' 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 non-monetary relief
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: MS
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:
WHILE I WAS IN CHAPTER XXXX, MORTGAGE PAYMENTS THAT WERE MISSED WERE NOT REPORTED TO ME UNTIL THE CHAPTER XXXX DISCHARGED IN XXXX. 2015. XXXX NOTIFIED ME IN XXXX. 2015 THAT I WAS BEHIND WHILE XXXX HAD MY LOAN. WITHIN 3 MONTHS THE PAYMENTS WERE MADE CURRENT AND HAVE BEEN CURRENT SINCE THAT TIME. I AM ASKING XXXX TO PLEASE REMOVE NEGATIVE INFORMATION FROM MY CREDIT REPORT TO HELP MY CREDIT SCORE. I AM CURRENTLY INTERESTED IN REFI OR DOWNSIZING MY HOME. IT WOULD REALLY HELP IF THE NEGATIVE INFORMATION WAS REMOVED TO ALLOW MY CREDIT SCORE TO IMPROVE FOR BETTER INTEREST RATES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-26
Company: EQUIFAX, INC.
State: CO
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:
Equifax is reporting incorrectly a collection in the amount of {$3100.00} on the N/A partial account number XXXX. ( Please see page attached from my credit report. ) This account does NOT belong to me. I have attached numerous documents as follows : 1040 form ;XX/XX/XXXX tax return ; XX/XX/XXXX tax return ; Letter of Employment ; XX/XX/XXXX W2 and XX/XX/XXXX W2. Every document attached is verifying that I reside in the State of Colorado and I have never lived in any other State other than Colorado. This collection account is in Georgia. This false reporting of a collection on an account that isnt mine is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank of America ( B of A ) has repeatedly and continues to violate RESPA, Reg X Multiple CFPB, Banking and other Banking and federal regulations and laws in the servicing of our mortgage. Refer ty attached document entitled 'CFPB Complaint Summary Page Escrow 2-2020 ' for full details.

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 2019-07-29
Company: Commonwealth Financial Systems, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Applied for personal loans and received approval for loan. Then called to speak with loan representatives XXXX XXXX who was very Rude and stated in order to fund money to my account he wants photos ID of Divers license, Bank account, password and account user name. Very hard to reach him after all information above sent to him. What a scam! Lying to people who already is in need of loan! What a fake Bank cooperation!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citi closed my consumer credit card account without providing any notice or reason. The account is in good standing and not frequently used. I believe this could be retaliation for a previous CFPB compliant I filed against Citi.

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 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2020-02-26
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/2020, at XXXX, -in an effort to repair my " credit rating '' and to try to get a " debt consolidation loan '', I went to a ( so called ) free credit repair agency ( for 30 days ) - the " Experian '' -Credit Reporting Agency and filled out a form disclosing my social security number, home address, phone number, bank name and other personal information. After it was all completed and I submitted to paying {$19.00} per month, I eagerly waited for the credit score and referral but unfortunately I got absolutely nothing! -No score,  no referral, nothing and I tried to call them back at both phone numbers listed but was hung up on after hearing a recording. Should I write them to terminate the impending charges that occurs in one month? I don't trust https : //www.experian.com!

To the best of my knowledge this is a scam and now they have all of my vital information. It is my belief that consumers should be forewarned about their risky business practices online and I feel violated. 
Thank you for your time and kindly advise me how to terminate this online contract.

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 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
WHILE I WAS IN CHAPTER XXXX, MORTGAGE PAYMENTS THAT WERE MISSED WERE NOT REPORTED TO ME UNTIL THE CHAPTER 13 DISCHARGED IN XXXX. 2015. XXXX NOTIFIED ME IN XXXX. 2015 THAT I WAS BEHIND WHILE XXXX HAD MY LOAN. WITHIN 3 MONTHS THE PAYMENTS WERE MADE CURRENT AND HAVE BEEN CURRENT SINCE THAT TIME. I AM ASKING XXXX TO PLEASE REMOVE NEGATIVE INFORMATION FROM MY CREDIT REPORT TO HELP MY CREDIT SCORE. I AM CURRENTLY INTERESTED IN REFI OR DOWNSIZING MY HOME. IT WOULD REALLY HELP IF THE NEGATIVE INFORMATION WAS REMOVED TO ALLOW MY CREDIT SCORE TO IMPROVE FOR BETTER INTEREST RATES.

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 2022-06-14
Company: FCI Lender Services Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I had a notice of default filed against my property by this company XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Ca XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX. They have several names, addresses and phone numbers but all tied together. Some of their contact numbers are XXXX, XXXX and XXXX. So they filed this NOD and demanded {$5000.00} down. They then said they could do a loan modification agreement or continue with the foreclosure. Now keep in mind this came out of nowhere when I was having severe financial challenges and my brother was dying. But they didn't care, they were just money hungry and they pretended as if they own my house, wow I've been here since XXXX. Their approach is bad, bold, bullying and threatening. Because they are a so called foreclosure company, I guess that's their brazen way of doing business. So we did a loan mod I paid the {$5000.00} and balance was agreed to {$45000.00} for 8 years and $ XXXX  monthly. But the owner comes to me a few years later and says the full balance is due. I had started paying but ran into some financial difficulties with my brother passing. I end up filing a XXXX XXXX and was approved for a payment plan by the trustee. I got behind with this FCI company and they filed another NOD XX/XX/XXXX while I was in an open XXXX, was that legal to do so? They hounded and threatened foreclosure if I didn't pay them {$12000.00}. I started paying again and paid {$3200.00} to catch up and supposedly modify because the loan came due. Just all over the place with time of this loan which was for 8 years. My real issue is where {$31000.00} when to? I'm trying to satisfy this nightmare lien this month and they said the payoff is still {$35000.00}... how is that? I would like to know if they can legally charge me {$15000.00} for interest before they acquired the loan, {$1500.00} for accured interest, {$1300.00} for late charges, {$4400.00} for charges prin pmt ( what the  XXXX  is this fee ). I was told that I'm supposed to pay for FCI attorney fees. You see how this company is no mercy, no soul and just ruthless about money for their advantage. The XXXX with the real owner of the property, which is XXXX XXXX XXXX. I want to know if they followed all the Califonia laws in charges, collection and applying my money to the {$45000.00} agreement.

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 2022-01-13
Company: TRUIST FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
balance was paid before closure of banks and is not showing on XXXX systems.

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 2022-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
On XX/XX/2022 I received an alert from XXXX that someone placed an inquiry on my XXXX  report with Bank of America. I didnt apply for anything as I bank with XXXX 

On XX/XX/2022 I received an alert on XXXX  that someone placed an inquiry on my XXXX report with XXXX ( XXXX ). I didnt not apply for any credit with this company. I called XXXX I spoke with customer service and they asked for my name, they placed me on hold to review they advised me that they were unable to locate an account and were unable to remove the inquiry to contact XXXX. I Called XXXX and reported the problem. They advised me that they would send them letter requesting that they look into this issue further. They provided me with a case number as XXXX. Please help me with these two issues. Feel free to contact me via email. 

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 non-monetary relief