BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-10
Company: EQUIFAX, INC.
State: PA
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:
The company XXXX XXXX is XXXX reporting late payments on a closed account I had with them. Per the US Law Late payments are transactions between the creditor and I. Reporting these transactions is a violation of the law below and I would like the inaccurate information reversed. 

XXXX # - XXXX ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report; Please reverse or set to paid as agreed the below accounts : -XXXX XXXX you reported that my transaction was 30 days late. 
XXXXXXXX XXXX  you reported that my transaction was 30 days late. 
XXXXXXXX XXXX you reported my transaction was 60 days late. 
XXXX XXXX you reported my transaction was 90 days late. 
XXXXXXXX XXXX you reported my transaction was 120 days late. 
XXXXXXXX XXXX you reported my transaction was 150 days late. 
XX/XX/2020 you reported my transaction was 180 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSWORLD SYSTEMS INC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
TRANSWORLD SYSTEM is in Violation of 15 U.S. Code 1692 - Congressional findings and declaration of purpose ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

This company was deceptive by sending me past due bills, late fees, etc. and reported late payments to my credit report which is another violation when they were aware that the debt was paid from the first day I did business with this company which is once again fraud. Collecting on debt that has been by law is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I applied for XXXX and never got my Bank of America XXXX  card. I spoke to XXXX and they said they couldnt do nothing about it that I had to talk to Bank of America. I finally got them to send me a replacement to find out my money was gone. I filed a claim and they denied it. When I asked why they said during their investigation they found those transaction were made by me or some I authorized. I asked them for documentation or proof of what they were saying. They never sent it. Its been months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is in addition to the first Compliant I filed, XXXX .... 
The details I previous stated was how Wells Fargo was not applying my monthly payments to my loan, Every month the payment was made, yet on every monthly statement it Showed " Payment Not Applied ", And they walked me right out of my home. 
I wanted to mention that after many months of this and Wells Fargo forcing me into foreclosure Which was done intentionally. 
This destroy my life, They took my home which cause my wife to devorce me cause she blame this on me. So I lost the our house I had built for my family, My Marriage of 25 years destroyed, huge impact on my XXXX kids, and ripped my whole family apart. 
It was easy to see they knew what they were doing, to be able to take my home, along with the {$80000.00} in Equity .... I Never missed a Payment .... And here is the reason I'm filing another complaint because .... 
Near the end of all this unbelievable stuff they were doing... 
I called and spoke to XXXX XXXX, in the Executive offices of Wells Fargo. 
PLEASE NOTE : I had pleaded with XXXX XXXX and asked to allow me to send a Cashier Check for {$9000.00}, and I would next day air it to them, this is the amount they set me back on my loan... This would have covered all the payments they claimed I missed, but didn't... 
I asked this to save my house and my life, I said accept this payment and put my loan back in good status, Yet XXXX XXXX said No they won't accept this payment. 
Any Bank would allow anyone to make a payment that would cover anything missed, So why didn't Wells Fargo... 
Why .... Because they would have my {$200000.00} home, My {$80000.00} in equity and this is what they wanted, and Took ...... 
Anyone can clearly see exactly what they did, Destroy my entire life... 
all just for money ..... 
I needed to point this fact out because it shows exactly want they did... ..and I lost everything. All for Money .... Sad that a company would do something so evil and unlawful, and Not one person went to prison. Unbelievable ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Experian Information Solutions Inc.
State: IN
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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents 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 explanation
Consumer complaint received 2023-01-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
Chase Cashier check for XX/XX/XXXX was made to XXXX XXXX XXXX XXXX AMOUNT OF XXXX and another one was made on XX/XX/XXXX for the same amount. I have try calling my bank to find out why I not aware of fraudulent transaction. My back stated today they only are able to hep me it was reported in between the 60 days that the transaction was made I find out this information on XX/XX/XXXX the same day that I call my bank. I also have file police report.. And there is multiple lawsuits made against this company., So I dont understand why my bank did not stop my transaction to fraudulent company like they have done in the past. How is my back protecting my money???

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: Experian Information Solutions Inc.
State: CT
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:
I reviewed my consumer reports be noticed that i have multiple late payments on an account that i was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX [ # XXXX ] Please investigate and proved Proof with statements showing that these payments were late. If proof cant be provided i demand these payments be updated to on time as they should be as I was NEVER Late. Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
When I provide the correct username and password to the PayPal.com website, then the website no longer allows me to view my account, but now routes me to a webpage titled " Add your phone number. '' It warns " This helps us prevent fraud and reach you if theres ever an issue. '' It explains " By providing your phone number, you give us permission to contact you about your branded PayPal accounts using automated calls or texts to service your accounts, investigate fraud, or collect a debt, but not for telemarketing. If you dont want to receive automated calls or texts, you can change your preferences in your account settings at any time. '' When I input my phone number that is associated with my PayPal account, I get an error message that says " This type of phone number isn't supported. Check your number and try again. '' In sum, the PayPal webpage will not allow me to use their chat feature because login is required. I have called PayPal twice, speaking to their customer service and their tech support, but they verified that multi-factor authentication is turned OFF on my account and simply told me to change my password, which I did, but the error message persists. Therefore, it is an unfair for PayPal to require me to provide my phone number in order to access my account and simultaneously reject my phone number associated that is with my account, especially while multi-factor authentication is turned OFF on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
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: Account information incorrect

Complaint:
This collection is appearing inaccurate on all three of my credit bureaus and i do not appreciate this account showing the wrong information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I was in a XXXX XXXX whenever my dad told me I had an email stating my taxes was deposited into my cashapp. When I got home I tried to access it and I had been logged out of my email and had no access to it. I called cashapp support and they helped me get into y account well it was all types of transactions done been made I know I told my dad to make the XXXX to my probation which he did online using my debit card that was linked to my account. But other than that no transaction shouldve been made well I went to file a dispute and its done been several of them made that was not authorized by me. I came home XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
An account was opened in my name by someone else other than myself, this was done in store with someone using my name with a different photo and address. I'm not sure how this happened because a different SSN was used and it created a double profile. I was unable to get access to my own account because of this. I know XXXX is known for opening accounts without their clients consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 15U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692, XXXX XXXX XXXX Account # XXXX and 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX continues to violate my rights under the Fair Credit Reporting Act. On XX/XX/2023 the were mailed a copy of my FTC Identity Theft Report, a final official copy of my XXXX XXXX Police Identity Theft Report, a copy of my XXXX XXXX XXXX proving my legal address at XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX  XXXX, a photocopy of my Social Security Card proving my identity and social security number, a photocopy of my California Drivers License / Real ID ( front and back ) proving my identity and my legal address, a copy Fair Credit Reporting Act Section 605B detailing their legal obligations. The fraudulent member / account number is XXXX. The amount owed/ charged off on this fraudulent account is {$500.00}. They say their " investigation '' determines the " I did open the account ''. They go on to provide a fake income verification letter, fake pay stubs, and several documents the copy and pasted foraged digital signatures as " proof '' that the account is mine. They are violating the law by not accepting sworn statements to the FTC and XXXX XXXX Police which by the very nature prove I am a victim of Identity Theft and that the accounts they have in my name are the result of this identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: Experian Information Solutions Inc.
State: PA
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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681a 2 ( A ) ( i ) : excludes information that is solely based on transactions or experiences between the consumer and the creditor.

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 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 am submitting this without 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 us rept but they refused they had me on mute for XXXX 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 n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE Please help me block and delete these inquiries and accounts immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-08
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

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. Lvnv account XXXX. Lvnv account XXXX. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Cascade CISS Holdings, LLC
State: NY
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:
Good day, i was looking at my report and noticed and an unauthorize inquiry that i didn't give authorization for, please can you kindly take this of my credit report? ( delete ) According to the F.C.R.A ( Fair Credit Reporting Act ) legall this unverified and Unauthorized items must be remove,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: NCB Management Services Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
My brother stole my identity to co sign a car for my step daughter. Without my knowledge. 
My brother is a thief and career criminal, please help This complaint is tied in with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
After a year and half of trying to resolve the issues with this mortgage, I filed a complaint here late last year ( XXXX ) and on XX/XX/XXXX I received a reply from PHH Mortgage stating that I had been granted a new loan modification and I would be receiving documentation detailing said new modification in the following days. It is now XX/XX/XXXX, and despite several phone calls over the last few weeks, and speaking with a few PHH associates I have not received any further information on the loan modification I was promised. Currently my account is in forbearance that ends on XX/XX/XXXX. I will be requesting an extension. And I will continue to call to try and speak with someone. But at the end of the day, this entire saga has been exhausting, frustrating, and scary. I'd like resolution.

Company response to consumer: Closed with explanation