BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-05
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022, I requested an Equifax credit report via XXXX The website generated a credit report which indicated that my XXXX loan under loan XXXX XXXX  has a remaining balance of {$32000.00} as of XX/XX/2022. This information is incorrect because I made a payment on XX/XX/2022 that brought my current balance down to {$31000.00} and XXXX cents. Upon dispute, Equifax appears to have corrected my historical balance from the last report date which should have captured this payment, but appears to have left the current balance at {$32000.00}, which is incorrect. The current balance should actually reflect {$31000.00} and XXXX cents. 

I've attached the original error in my credit file ( Credit Report Error XXXX ), the incomplete results of the dispute ( XXXX XXXX  ), payment receipt ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), letter with proof of payment ( document ending with Copy of XXXXXXXX XXXX  ), and current loan balance details with XXXX  XXXX ( the account in question ) expanded ( Loan Details with XXXX XXXX XXXX  ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
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:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 2017-07-28
Company: Experian Information Solutions Inc.
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: Public record information inaccurate

Complaint:
Under the new law effective XX/XX/XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. the Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.

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 2019-12-01
Company: Google Compare Credit Cards Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
In mid XX/XX/2019, though I was able to send money using my linked debit card via Google Pay, I was not able to transfer or redeem money sent to me. I have called Google Pay now approximately 20+ times since XX/XX/2019, each time being told either there is not problem with my account and to try to collect/transfer my funds in 24 hours ; or that the " specialists '' have " reset '' my account and that my transfer would certainly go through properly, again, after 24 hours. 
XX/XX/XXXX I again attempted to transfer the {$800.00} which has been residing on Google Pay and was again not able to. After once again calling and being told that I would surely be able to access my money after 24 hours, I closed the account, having had more than enough of their shenanigans. 
Now, having closed the account, Google Pay still refuses to give me money, stating that they will wait 30 days from XX/XX/XXXX to " begin the process '' of " seeing where to send my money, '' which they say will take another estimated 14 days on top of the 30. This would mean that Google Pay will have had my money, at that time, for close to four months.

Please help with what would appear a fraudulent practice exercised by Google as they continue to hold my money hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: EQUIFAX, INC.
State: NM
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 XXXX XXXX account number XXXX for the amount of {$5400.00}, XXXX XXXX XXXX XXXX account XXXX for the amount of {$1700.00}, and XXXX XXXX XXXX XXXX {$6200.00}, 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
Had accident and was in hospital and later XXXX. XXXX. May have been trying to reach me during this time when I was hospitalized or when I was later at home under heavy medication. On the sister account, they had me listed as deceased. I tried to make payment on my account and could not. On XX/XX/XXXX I  called again and was told my account was charged off that same day and pending sold to a collection agency. I tried to persuade the company to let me settle my account but they told me to call back in 72 hrs to find out where my account was sold. The account was for about {$290.00}. I dont want to get negative credit for that when I tried to pay.

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 2017-10-24
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 XXXX. 
XXXX XXXX, XXXX {$750.00} Item was disputed for fraud. Item was removed and re-added with no notification XXXX XXXX XXXX XXXX XXXX, XXXX {$660.00} Item was disputed for fraud. Item was removed and re-added with no notification Hard inquiries : XXXX XXXX XXXX XXXX/XXXX/XXXX I did not apply for credit. 
XXXX XXXXXXXX XXXX/XXXX/XXXX I did not apply for credit. 
XXXX XXXX XXXX C XXXX/XXXX/XXXX Did not apply for credit. 
XXXX XXXX XXXX and XXXX/XXXX/XXXX not only did I not apply but, but if I had I would n't have applied twice. 

Addresses : need to be removed/ old info 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

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 2020-03-27
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Called in to Us Bank waited about 2 hours on hold, due to covid 19 my husband has been laid off and as far as we were informed they are to offer some type of relief for this horrible situation. The relief they offer is to skip 90 days of paying our mortgage and will have to pay all 90 days that were not paid at the end of these 90 days how is that considered ethical ... this is not help if a customer is not working how will XXXX XXXX dollars just be easy to pay when you dont have it month to month. Please help, I know other banks have better options, they need to comply also on this pandemic we have going in the US.

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 2019-12-01
Company: SinglePoint GI
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received calls and letters from General Revenue Corporation about a debt they claimed i owed. They threatened me that if i dont pay they will mess up my credit and sue me. They messed up my credit score. I was very afraid and started making some payments. After paying over {$1000.00} to the collection agency even without them providing verification, they claimed that all the money i have paid were just applied towards their collection fee and not the so-called debt. I sent out a request for debt validation and verification ( Original contract signed with creditor with my signature ). They refused and failed to provide the required verification that meets the Fair Debt Collection Practices Act. They started shout and yelling at me over the phone and told me that they will not provide any more verification of the debt ( Original contract signed with creditor with my signature ). Instead they sent me a statement list all the previous payments I had made on the debt. I am requesting that they delete this unverified account off of my credit report or provide me the Original contract signed with creditor with my signature that shows that their claim that I am the person who owes the debt. They have been violating my Rights and Defamed my Character for over 3 years. My credit score has suffered terribly as a result. I have been denied apartments and credit as a result of their bullying and fear tactics and refusal to do what is lawful and to stop this illegal act against me. I am filing this complaint as another opportunity for them to do what is right and I am also filing this request as proof that i will use when i sue them according to the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Grant & Webber has not corrected their report to the major credit reporting agencies that their claim to me for medical costs has be settled circa 30 days ago. This is the only ding on my credit and is a false report until corrected by Grant & Webber. The false statement is that I owe anything at all, since this was settled by my lawyer and hence Grant & Webber is attempting to claim or says they are owed monies they are not owed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I received a deposit of {$800.00} in the form of XXXX payment. 

On XX/XX/XXXX, the bank froze my account and put an unauthorized chargeback on the transaction. As a result, I lost entire {$800.00} because of the transaction reversal. Since then, I tried to contact the bank 's Fraud Department as well as XXXX Complaints Management Office. None of them provided me essential resolution even though I provided all the necessary evidence to show that the transaction was valid. 

On XX/XX/XXXX, I requested a full disclosure of how the investigation was conducted by the Fraud Department. But it eventually got rejected by the bank without any explanation. 

Below are the representatives who handled my case : Fraud Department : XXXX, XXXX XXXX, XXXX, XXXX Escalations Representative : XXXX XXXX, and XXXX Case Number : 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 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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. 
XXXX XXXXt # 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 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. 
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 2016-01-24
Company: ALLY FINANCIAL INC.
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I bought a vehicle long time ago in XX/XX/XXXX I was almost payed off in XX/XX/XXXX until it was illegally towed away by a tow truck company, and my car was not repoed by current car company. The car was resold, and any debt incurred should be billed to towing company who stole the vehicle from me years ago. This was a loss to me, and my insurance company could not help me. Police was involved, and as the XXXX vet they just allowed it, and I had to get a lift from the cops just to get home way across town, and it was barely 30 days after I graduated from college where I was still on food stamps. This was a damage as well as a loss I am not responsible for.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2022-04-12
Company: Paypal Holdings, Inc
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX I received a notice that my PayPal account was limited. I learned the confusion twas due to a name change secondary to marriage, I was more than irritated. I have been married for 17 years and since I use this PayPal account primarily for online transactions, I never took the time to change my XXXX XXXX XXXX PayPal account. It was resolved with an apology as several of my subscriptions had been bouncing and one was canceled and it ended up being quite a hassle. I decided to use Venmo as a replacement as I lost trust for PayPal following this experience. I have had a Venmo account for probably 4-5 years and I use it primarily for paying babysitters. I have also used to reimburse people I know for expenses like restaurant meals, errands for a sick co-worker, paying for piano lessons, babysitters, and I sold a few items out of my house recently. I had accumulated {$1000.00} and attempted to transfer a portion on XX/XX/XXXX but mistakenly transferred the whole amount. I received an email the next day informing me that my account was limited and my transfer was being reviewed. I was asked to provide evidence of my identity, but when I logged onto to my account I saw no evidence that my account was limited. I provided the photo of my XXXX passport on XX/XX/XXXX when I was unable to use the account as I thought I was being scammed or phished. I spoke to several customer service representatives and was told that my account being reviewed by a specialist. I was finally informed late on XXXX that my account had been permanently frozen that money that belongs to me will be available in 180 days. I called customer service on XXXX and was told that my account looked normal and they would request another review. I was informed late on XX/XX/XXXX that the decision remains. I did not violate the terms. I am not being given an opportunity to defend myself. And, they are retaining my money without any explanation. This entire ordeal occurred due to discrimination, as men do not change their names due to marriage. PayPal and Venmo are the same company and I started using Venmo as a replacement for PayPal so my account activity increased during that time. This is all very shady and after doing an Internet search I learned this is common. I am a normal person : a boring suburban mom with a regular job and a dog, cats, and a backyard garden.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have tried for many years to get my credit reports from XXXX. Tried online and also phone and paper. No reports. Once, XXXX did send a report, and I got some Transunion information through an insurance company. Those exceptions aside, my requests go nowhere. Our banks other financial institutions all advise checking credit reports frequently, at least annually. But XXXX 's failure to provide that service and, more important, failure to provide any reason for NOT providing it, is most frustrating. 
. 
We ( wife and I ) believe we have excellent credit, probably close to XXXX. We do n't need more credit, but we do need to check our credit reports for accuracy. That 's all we want. 
. 
I spent this evening trying unsuccessfully to fill out XXXX 's Contact form. Again and again, I composed a detailed and clear statement and request for help, only to be dropped out of the form with several ( six ) different errors that did n't happen. No help there. 
. 
I want to know what the problem is. Is there something wrong with our accounts? Do we need to be concerned about possible identity theft? 

I did not fill out another request in recent years. It 's clear what will happen : nothing. 

Can you help? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. ( XXXX ) XXXX From XXXX XXXX to 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 non-monetary relief
Consumer complaint received 2016-07-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Rewards

Complaint:
I held a citi double cash rewards which i canceled. The day I paid the balance and closed the account, I tried to redeem the cash rewards balance. The website options for redeeming would not work. Any attempt to click the confirm button on any of the options would not work - in an attempt click on any possible option, I tried the gift card option. Selecting this option, logged me out of the site. 

I called customer service numerous times - waiting as long as 25 minutes - with no response. Finally, I tried the chat feature where I was told that customer service waits were adversely impacted by the launch of a costco product. I was also told that because I had closed the account that i needed to speak with someone to process the reward. Finally, after mentioning the CFPB, I was told that because I had closed the account I could not redeem the reward.

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 2016-09-29
Company: Check Security Associates, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A XXXX XXXX, who says she is calling from an XXXX company, has been contacting numerous family members and friends about a vehicle that I do not have. I believe they may have obtained my information from an unknown source and are trying to extort money from me by using scare tactics and threatening me over voice mails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: BARCLAYS BANK DELAWARE
State: NY
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 experienced an issue with the Barclay Card US Upromise Card. I mistakenly paid down my balance twice resulting in a credit balance of over $ 16k. I spoke with customer service and emailed customer service and the response was the same from both. They told me to go to my bank and recall the payment ( ACH ). Several days after the funds were returned, I received a letter from Barclays telling me that I would be charged a returned check fee of {$28.00} and that due to the fact that there was a returned payment, my credit line would be reduced from $ XXXX to $ XXXX. All of this despite the fact that entire balance had been paid, there was a XXXX balance on the account and I followed their instructions to get the over payment refunded. I emailed them twice ( XX/XX/XXXX and XX/XX/XXXX ) and they have not responded. Phone wait times were excessive and I gave up trying to contact them on the phone. At this point, I want the returned payment fee refunded and the account closed.

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