BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-29
Company: Experian Information Solutions Inc.
State: AZ
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: Problem getting your free annual credit report

Complaint:
Through XXXX I obtained my Experian and XXXX Reports, but then XXXX refused to provide their report to me and made me call their call center. After several attempts I got through to their call center and they immediately began trying to sell me a subscription and to sign up for their company 's service directly to get my credit report instead of providing it free through XXXX as required by federal law. 

They are now running a scam, whereby they refuse to provide the report as mandated by law, forcing you to call their customer service number, which is a call center in XXXX or XXXX where you can hear all the other people on the phone in the background. They then attempt to sell you a subscription or to get you to sign up directly for their service, by-passing XXXX 

I spent a half hour on the phone, provided a tremendous amount of information, and they still wouldn't unfreeze my access. They did provide me with a CS phone number for XXXX, but it only has 3 options and none of them are to speak to a person for help. 

I want them punished for this scam, and I want access to my report digitally through 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 2022-11-21
Company: Experian Information Solutions Inc.
State: MO
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: Investigation took more than 30 days

Complaint:
I sent a letter to Experian, XXXX, and XXXX on XX/XX/2022. It's been well over 30 days, I still haven't received anything back.

According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, XXXX  have 30 days to respond to my dispute.

This violation of my rights.

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 2022-11-21
Company: EQUIFAX, INC.
State: OH
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:
XX/XX/2022 I called XXXX XXXX XXXX to ask if I paid the account I dont think I am responsible for if itll be deleted from my credit report the agent said no. I then asked if XXXX XXXX XXXX would sue me in court for the {$810.00} they claim I owe. The agent said she doesnt know what XXXX XXXX do. I asked if XXXX Account XXXX owned the account. The agent said no, XXXX owns the account, and we are a XXXX party collecting on their behalf. My credit report show XXXX as the original creditor, implying XXXX XXXX XXXX is now the creditor. The agent began to say hello as if she couldnt hear me and ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: Paypal Holdings, Inc
State: LA
Product: Money transfers
Sub-product: International money transfer
Issue: Other service issues

Complaint:
I transferred money to a programmer about a year ago to design and program games using the XXXX software. The job started out ok, he was making progress and sending me different builds. After a few weeks, he completely stopped communicating with me and I had to start a dispute on paypal. Once the dispute was elevated he finally communicated with me and said he would finish the games in 2 weeks if I cancelled the dispute, so I did. Needless to say, he did not finish the games and would keep telling me they would get done. I made the mistake of believing him because I could not dispute the charge again. It has been months and I have not heard from him. The services paid for were not completed and he has stolen my money. I have supporting documentation and communication proving he did not complete the work and will not respond to any messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card
Issue: Balance transfer

Complaint:
Barclaycard sent me balance transfer checks in the mail. I deposited one into my checking account and they did not pay it because they said I did not have the full amount available. I looked at my recent transactions and I did swipe the card taking me under the {$500.00} that I wrote the check for but I had the charge reversed. The reversal of the charge is dated on XXXX/XXXX/2016 the same day that the charge was made. Barclaycard got the balance transfer check on XXXX/XXXX/2016 and they did not honor it. They told me that they did not post the credit to the account before they posted the debit to the account. Them not paying the check resulted in my bank charging me XXXX NSF fees and a charge back fee totaling {$100.00} Barclaycard tried to also charge me a {$27.00} returned check fee that they did reverse but I feel extremely disappointed that I had to pay {$100.00} because they did not pay my check.

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
Consumer complaint received 2022-11-21
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:
I have NOT received any confirmation or factual information on how you have verified the alleged account attached in Exhibit C. Therefore I request that you consider this a final notice to your offices. Beyond this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting **** ( copied from the affidavit attached ) ****

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 2022-11-21
Company: Synovus Bank
State: OH
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 XXXX an account with First Progress was open this account is not mines. This company add derogatory marks on my credit report that is inaccurate. further doing my own research I found out on XXXX  that my credit score with down XXXX points cause of this inaccurate reporting. Also, I would there is No contract, or signature, or written communication between me and this company that states this deibt is mines. According to the FCRA ( First Progress ) have violated my rights as a consumer and I'm requesting legal action to remove this account from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

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 2017-02-14
Company: Paypal Holdings, Inc
State: MP
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Hello. Please, help me. 
I won the bidding on Eby.com for an XXXX XXXX. ( XXXX XXXX XXXX XXXX Set NEW + Warranty ) ( XXXX ) ( Seller : XXXX ) The seller suddenly canceled the transaction on ebay. and sent me the Paypal invoice for {$500.00}. 
I felt a little weird but He tried to persuade me. anyway I made the payment via Paypal. 
But after getting my money, He went out of my reach and never reply me back. 
He is so suspicious. I think he is committing a fraud for getting my money, {$500.00}. 
By checking our message on Ebay, you can find it out. 

Please, help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: LD Holdings Group, LLC
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
A condo questionnaire is a form sent to a condo development by a lender when a potential borrower applies for a mortgage. The questionnaire allows the lender to determine if the condo meets its requirements for a loan. If the requirements are met, the lender can in turn consider providing a loan to the condo buyer. XXXX XXXX, the president of XXXX XXXX XXXX, willfully misrepresented the condo questionnaire by stating there are no special assessments. Theyre currently {$1800.00} per owner of special assessments for roofing efforts. Per the impromptu attachment as you can see that these roofing efforts are ongoing. To make matters worse, shortly after she submitted that questionnaire to my lender, she had plans to put roof on her building, and is quite aware that the roofing assessment is not completed. Numerous owners have had requested financial documents such as tax returns, bank statements, and other documents such as contractor estimates. XXXX has refused, and I suspect the associated documents requested on the questionnaire, if theres a special assessment, is the reason why XXXX willfully lied on the questionnaire. This is a serious issue and a misrepresentation that forcefully rendered XXXX XXXXXXXX XXXX worthy of a loan from loan depot had I known they were special assessments I would not have purchased a condo. My mortgage Company and the company that sent the questionnaire is loanDepot, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Illinois XXXX. I think loanDepot should be held accountable for these will for lies and the misrepresentation, I am on a XXXX XXXX & a XXXX  mother and this was an egregious lie. 

Complaint against : XXXX XXXX, President of XXXX XXXX XXXX XXXX XXXX : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: Millco Management
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dear sir/madam XX/XX/2020 I had emergency situation and went to XXXX XXXX XXXX XXXX NJ . I just found there was unpaid bill send to collection agancy called amerifinancial solutions, Hospital I went was covered by my health insurance, I just found physician visited me at ER is out of network, this is very confusing, When you know Hospital you going is in network and doctor not. I never been told during my visit doctor was out of network, i gave them my insurance card before even I been entered for assessment. Doctor bill is {$570.00} and insurance is denying, XX/XX/2020 was pandemic period when hospitals didnt have enough doctors or staff. Please help me how I can dispute this bill.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: IL
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:
Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus on XX/XX/22, but no answer was received. The account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate the account, I will take legal action against them. Please abide with the law in order for this matter to be resolved promptly. 
XXXXXXXX XXXX XXXX Balance : {$3900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: EQUIFAX, 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:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX/Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX. XXXX XXXX XXXX XXXX XXXX : {$55.00} XXXX. XXXX XXXX XXXX XXXX : - XXXX. XXXX XXXX XXXX XXXX : {$0.00} EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$55.00} XXXX. XXXX XXXX XXXX XXXX : - XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX : {$55.00} XXXX. XXXX XXXX XXXX XXXX : - XXXX. XXXX XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
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:
Upon reviewing my credit file, incorrect information were found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX. XXXX XXXX XXXX XXXX XXXX : {$55.00} XXXX. XXXX XXXX XXXX XXXX : - XXXX. XXXX XXXX XXXX XXXX : {$0.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$55.00} XXXX. XXXX XXXX XXXX XXXX : - TRANSUNION XXXX XXXX. XXXX XXXX XXXX XXXX XXXX : {$55.00} XXXX. XXXX XXXX XXXX XXXX : - XXXX. XXXX XXXX XXXX XXXX : {$0.00}

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 2016-11-08
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: Other

Complaint:
Barclay Bank is kiting my money- it leaves my bank account- and then the credit card company- who has processed it- refuses to credit it to my account for over a week! this is ILLEGAL!

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 2022-11-21
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:
I had ordered {$2500.00} of restaurant equipment through a reputable company called XXXX XXXX on XX/XX/ here in XXXX XXXX. The items weren't available upon pickup date so the business delivered them two weeks later. Upon arrival the business asked for XXXX as their credit car machine " wasn't working on weekends. '' So I sent {$2500.00} on XXXX  to the business ' bank account. 

Of the items purchased, none of them are in working condition. I have the invoice from the website with a picture of the item listing stating it is in " working condition. '' Commerical Fridge - Freon Leak ( have invoice from a licensed XXXX XXXX stating the fridge needs expensive repairs ) Patio Heaters- Glass tube in middle is cracked, missing top heat exchanger and bottom coil Vaccum Sealer - Item listed was a XXXX vacuum sealer, ( I think ) I received a XXXX as the company can't identify the one I have, and the sealing bar isn't working, preventing the entire machine from working, as it's an outdated machine, the part is on backorder and will take months to get here. Troubleshooted the issue since I had a licensed electrician and went back and forth with the IT department of XXXX to diagnose the issue with a multimeter. I attached a picture of what they stated was listed ( A vacmaster XXXX ), as you can see, the one I received isn't close to

the one in the picture. Chest Freez
er - Upon delivery, business owner said the hood of the freezer flew up on the freeway which broke the freezer hinges and the top won't stay closed without a weight on top of it. 

I have contacted the business and all they can do is " talk me through '' the problems with no further help or ability to negotiate getting my money back. None of the items that I purchased were in working condition per the company 's legal disclaimer stating they SHOULD work. 

So I then contacted Wells Fargo, made a claim on XXXX  and after 3 weeks, they said they can not do anything since it is a XXXX transaction and XXXX can't refund the money. I find this odd as Wells Fargo states XXXX is an " authorized '' company for them and they promote XXXX across all of their apps. 

I have pictures and videos of the equipment not working, statements from professional XXXX companies explaining the problem, and statements from licensed electricians explaining the other issues.

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 2016-09-28
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have paid my bills on time and have a good relationship with my creditors. However, my new Dicks Sporting Goods Credit Card issued by Synchrony Bank lowered my available credit by XXXX % in less than 30 days with little or no warning until a letter was mailed explaining the reduction after the fact. A reduction of my available credit has caused an increase in my overall credit utilization. Such constructive activity by the credit issuer adversely affects my credit rating where my credit utilization will remain high based on the extreme low credit limits placed by Synchrony Bank. If Synchrony Bank would have left my initial credit limit, then my credit utilization would not be affected, and my credit score would remain steady, secure and much higher than it is today. I could understand if I was in default or habitually behind in payments, which I was not. Constructive credit practices by lenders that affect credit reporting without recourse or corrective measures should be unlawful or illegal especially when there is nothing wrong with the credit 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 explanation
Consumer complaint received 2021-09-29
Company: Amsher Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection is not from original creditor Amsher collection services at XXXX XXXX XXXX XXXX XXXX, AL XXXX has been sending me collection notices in the amount of XXXX the collection has been reported as past due. I do not know this company i have never done any business with this company. This business does not have a contract with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
i have XXXX hard inquiries that do not belong to me i have tried to contact the companies and transunion several times but everybody keep giving me the run around XXXX XXXX XXXX XXXX XXXX XXXX XXXX trans union

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 2022-11-21
Company: NORTHWEST BANCSHARES INC
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Northwest Bank had my auto loan. I received XXXX bills in XXXX, XXXX normal and XXXX with a large lump sum. I called in and the representative told me not to worry about it and took a normal payment from me. This is noted in their accounts. This is also the last notation any employee has made. I was contacted in XXXX asking me why I am making small partial payments for a lump sum bill. When I told them about my conversation in XXXX and the payment I made then I was told that I was incorrect and that it did not happen. The lump sum for a " lapse in insurance coverage '' from a company called XXXX XXXX XXXX. I told them that was impossible, I've had the same insurance coverage from XXXX XXXX working with the same local representative, XXXX, at the same office in my home town since 2007. I contacted my insurance company and they claim I did not set up my insurance after buying the car. This is false. I called them the day I bought the car and again a couple weeks later because they messed up and failed to set up the new account. XXXX XXXX is denying this. I have been called and called Northwest Bank numerous times and they have constantly left me on extended holds, hung up, and told me the correct representatives would call me back but then failed to do so. The lump sum for the short, supposed, lapse of insurance is obscene at more than 10x my normal rate for full coverage of insurance.

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