BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-25
Company: EQUIFAX, 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 sent in an identity theft report regarding hard inquiries on my Equifax report by providing a police report & Equifax ignored this by leaving the information on it. This lets me know that they arent following the FCRA because if a consumer provides a valid police report then the information has to be deleted from the file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My identity was compromised by a XXXX Scammer in XX/XX/XXXX. He used my information to open 3 major credit cards without my knowledge or consent. These were all new cards. He applied online without my consent or knowledge or my signature. I did not gain financially at all from this action. He conducted Balance Transfers by using these new credit cards. The transfers began in XXXX of XXXX. I was not aware of this at all until I started to receive statements. I was coerced to make some initial payments until I was aware these were all fraudulently done. I have not gained financially from their use. I was never aware of these cards. He acted solely for his own financial gain. I have filed reports of fraud with the local Police Department, the FTC, and the FBI. I should not be held liable for any payments to these accounts. The balance with XXXX XXXX is now {$14000.00}. 
The balance with XXXX is now {$17000.00}. The balance with Wells Fargo is now {$52000.00}. These balances are all approximate. The activity on all credit cards was done approximately between XX/XX/XXXX - XX/XX/XXXX. Each actual credit card company has the complete dates and amounts that were conducted as Balance Transfers.

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 2022-06-01
Company: Maximus Education, LLC dba Aidvantage
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:
I have received a copy of credit report and noticed several accounts and inquires that were reported without my knowledge, Fraudulent applications have been submitted in my name and my identity has been used without my consent to obtain goods and services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion verified XXXX XXXX  as ACCURATE. 

The 'terms ' is reporting as " {$0.00} per month, paid monthly for XXXX months '. ( INACCURATE ) ( see attached contract ). 

The 'high balance ' is reporting as {$3100.00} ' ( INACCURATE ) ( see attached contract ). 

My rights to a complete and accurate report have been violated.

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 2022-06-07
Company: Experian Information Solutions Inc.
State: NC
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My credit card information was hacked on XX/XX/XXXX and {$3400.00} was taken out at Bank of America on XXXX and XXXX in XXXX. They also purchased an item at XXXX XXXX, using my account and installing a payment plan to pay it off ( was notified of this on XX/XX/XXXX by XXXX XXXX. ) Today I was informed that an item/items was purchased at XXXX 's with another payment plan. I cant seem to stop these purchases even when I reported to the FTC.

Please help me, I dont know what else to do besides locking my bank account and changing passwords.

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 2022-06-27
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hello, New rez llc is my lender. Sold house XX/XX/XXXX. Lender has still refused to provide me my escrow amount. 
NR stated they mailed a check. Never received until very late. I had already called to tell them I never received it. 
Check was canceled and direct deposit was offered as an option to recover escrow amount {$4200.00} They told me it would be direct deposit XXXX Business days. 
Called several times trying to find a resolution and get the runaround each time. Always tell me they have escalated it up and filed a customer complaint. But still no resolution. How many times do I need to call? 

Thank you

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be.

available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters.

from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action against 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 2022-09-21
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
The business falsely claimed to the CFPB under case number XXXX that they attempted to reach me on XX/XX/22 through a specified email address. This IS a lie! The SHADY business never sent me an email. In fact, the business purposely makes it exceptionally difficult for a consumer to obtain a report, in fact, much harder than the XXXX major credit reporting repositories! I am NOW providing this sketchy company as requested, a copy of my Government Driver 's License, and a bill within the last 60 days with my current address. Immediately, send me my complete consumer disclosure report for which I am entitled to!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian is completely impossible to get a hold of via telephone. It's borderline fraudulent how negligent they are and refuse to support their customers. 

My identity has been stolen and the individual already made an experian account under my name so I can't even make a fraud alert because they will just cancel it. Experian provides no support in this matter and I have gone as far as emailing current employees at experian and still no response. 

They need to be held accountable and made available because their lack of support is unacceptable.

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 2022-06-27
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
The companies below have reported inquiries onto my report and I have not given them the authority to do so this was under fraudulent activity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-09-21
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 information incorrect

Complaint:
XXXX XXXX XXXX is reporting the wrong amount due I had a credit limit of XXXX. Also they are changing the reported date to current year instead of the original date which that is 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 non-monetary relief
Consumer complaint received 2022-11-29
Company: Paypal Holdings, Inc
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2022, XXXX charged my PayPal Debit card for two product renewals rather than the one due ( {$71.00} approx. ). I asked them for a credit. XXXX issued a credit ( {$71.00} ) through PayPal but PayPal never deposited that back to my account. 

On XX/XX/2022 XXXX ( my bank ) issues a temporary credit for the entire amount for XXXX products from XXXX ( {$260.00} ) On XX/XX/XXXX, XXXX finalizes the credit agreeing with me. 
In the meantime PayPal has suspended my card usage. 

On XX/XX/XXXX XXXX attempts to renew XXXX XXXX XXXX and the charge was denied by PayPal. 

I have tried to resolve the issue on the PayPal website but it never goes through and no explanation is given as to why. I've tried calling them but nobody picks up a phone- it's just a bunch of recordings. 

I have tried to change my payment method on XXXX and I did give another debit card but for whatever reason they keep trying to use the PayPal debit card. You can not reach XXXX by telephone. 

I do not want to lose the XXXX products as I am self employed and need those products to conduct business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: SandP Solutions, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Bitcoin of America account to fraudulent investment firm ( s )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 



15 U. S. C 1681 section A. States I have the rights to privacy.

15 U. S. C. 1681 section A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-06-07
Company: Consumer Financial Services
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
This loan amount needs to be removed as this vehicle was purchased from a buy here pay here sales company and sold without my permission in writing. Fraudulent sharing of my information or approval. This is preventing me from getting credit approvals and I don't have this vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
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 account XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX account number XXXX XX/XX/XXXX I reached out and informed them about these accounts that are not my accounts and to remove them from my record but they have not removed it. I did not open these accounts and I have no knowledge of 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 2022-06-27
Company: OneMain Finance Corporation
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Please I need help I have been paying this company around {$5000.00} and they have not lower the amount I owed they give me a monthly payment of {$390.00} of that amount {$1.00} goes to principal and the rest is interest around {$180.00} this is insane I am taking medication for XXXX  and XXXX because I never thought will go thru something like this they lift my car from my house with about previous notice because I stop paying to have my car back they told me that I have to pay {$700.00} fee for the company XXXX XXXX  plus {$1400.00} of miss payments when I complete the money they told me that they wont release the car if I dont give them {$2400.00} in total I submit the payment but when I when to the company to pick up my car they make me sign a paper statement that they only charge {$150.00} to lift my car and to keep it for 3 days I took picture of all this papers when I go see my balance the lock my account and my surprise is that from {$2400.00} that i paid only {$300.00} went to the principal Please help me I dont know what to do Im currently not what to do they never told me about this high interest I have documentacin that i can show you please i need help I owe them {$9700.00} the loan amount was {$11000.00} i feel I will never get out of this frustrating situation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I posted an item on XXXX XXXX and I was contacted by a user named XXXX XXXX saying she wanted to purchase the item for the posted price of {$850.00}. 
She asked me about the item and for my address and my XXXX email information. I provided the information and she sent me a screenshot confirming the payment of {$850.00}. A few minutes after I got an email from " XXXX App '' ( XXXX ) saying my account was limited and I needed to expand my account by asking the buyer to send me additional payments. I showed it to the buyer and she said she would call XXXX to confirm. After a few minutes, she said she would send me an additional {$250.00} and I needed to send it back to her. She showed the screenshot of the payment and I sent the money to the XXXX account provided XXXX XXXX After that they said XXXX took an additional {$400.00} from their account and I got another fraudulent email saying the payment of {$400.00} was needed to continue the transaction but the buyer and the seller were protected because the funds were being confirmed with XXXX. 
I reported the scam to Chase WHILE the second payment was still pending but they said they couldn't cancel it even after I said the payment was still pending. They didn't cancel it and just filed a claim saying they could not guarantee the refund of my money and I should contact XXXX even tho I did the transaction through the Chase site. 
I filed a complaint with XXXX too but they just brushed it off saying they don't offer transaction protection and basically saying I was responsible for making the transaction. 
I want my money refunded, all {$650.00} of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX : XXXX... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX... 

I have attached a copy of my ID for identity verification and a bill for address verification.

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 2022-11-29
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company to update my credit report by deleting all negative unverified and inaccurate information from my file. My first letter was signed and received by them on XX/XX/2022. I received a response with an itemized list of charges they claim I owe. I then mailed a second letter validation letter, which they received XX/XX/2022. 
I have given well over 30 days for the company to verify this erroneous information with no proof in sight. How is it possible for them to continue reporting clearly unverified, invalidated, and inaccurate information to my credit report?

Company response to consumer: Closed with explanation