BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-07
Company: Paypal Holdings, Inc
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On XX/XX/2022 I received a request for money for {$760.00} I contacted PayPal business ask them to close my account because my account has been fraudulently accessed they refuse to on XX/XX/XXXX I received another request for money for {$500.00} for an XXXX gift card I called PayPal they refuse to deal with the situation to either freeze my account or close my account also in the past I have received several requests for {$800.00} in XXXX PayPal has refused to address the issues even though I have forward the emails and contacted them every time I want my account closed I am being scammed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/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 2022-09-27
Company: Experian Information Solutions Inc.
State: VA
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:
After reviewing my credit report the following credit bureaus are violating my consumer rights. Please delete all accounts reporting negative data to my consumer file and consumer report, credit report in the next 4 days. 

15 USC 1681 ( a ) ( 4 ) rights to privacy 15 USC 1681 ( b ) ( e ) false information 15 USC 1681 ( b ) did not use manner which is fair and equitable to the consumer in reporting negative allegations without written permission 15 usc 1681b ( a ) ( 2 ) need written permission 15 USC 1692 ( f ) A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section 15 USC 1681n ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 
( c ) Attorneys fees Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper. 
( d ) Clarification of willful noncompliance.

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 2022-12-07
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Received letter from Wells Fargo on XX/XX/2022 regarding their 'Stop Payment ' policy. To put it in the vernacular of the 'common citizen ', Wells Fargo 's 'policy ' sucks AND their Branch Training is lacking! We were verbally told by the Branch Banker ( who was 'training ' a new Banker ) that after 180 days the check wouldn't be cashed, so 180 days was sufficient for the Stop Payment. THIS WAS NOT TRUE. 

Federal law does NOT require that a check be paid if it is older than 180 days. 

Wells Fargo CHOOSES to allow itself to PAY a 'Stop Payment ' check if the Stop Payment is 180 days old. This is basically CYA at the expense of the Customer. 

Wells Fargo says that the account holder would have to remember to re-initiate the XXXXStop Payment ' before the 180 days expires AND possibly pay another fee! This 're-up ' of the Stop Payment and possibly paying another fee could go on FOREVER the way the policy reads unless the Customer cancelled the account!

Wells Fargo 'policy ' is NOT in the Consumer 's best interest. IF a check
has a 'Stop Payment ' on it, then that check should NEVER be paid out, and if presented, should be confiscated and returned to the account holder.

I've banked at Wells Fargo and their predecessor, XXXX XXXX, for over 50 years, and have had to 'stop payment ' only XXXX-4 times in my lifetime.

The " Stop Payment '' that I requested 'Back in the Day ' would stop the payment until the check went 'stale ' after 180 days. After the 180 days, the check wasn't any good anyway, effectively killing the 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 explanation
Consumer complaint received 2018-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
transunion credit has billed me the last 2 months on my XXXX credit card - for the months of XXXX and XX/XX/2018 I have never signed up for any service fromtransunion and don't know how they obtained my credit card 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 monetary relief
Consumer complaint received 2022-07-30
Company: Movement Mortgage LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I started the loan process with Movement Mortgage in XX/XX/XXXX. I finally signed a contract on a home in XX/XX/XXXX. This home was new construction and still being built. In XX/XX/XXXX I contacted XXXX XXXX, branch manager whom I'd been dealing with during this process and voiced my concerns that the interest rate was rising ( now at over 3 % ) and I did not want to be priced out. XXXX advised me that he would monitor the rate and that they have meetings every Monday mornings to discuss the trends of the interest rate. Fast forward to XX/XX/XXXX, I contact XXXX again expressing that I didn't want to be priced out because at that time the rate was inching to 3.75 %. We discuss the cost of locking the rate and XXXX states since I stayed with Movement Mortgage opposed to using the builders lender, who by the way was offering closing cost assistance, they ( Movement Mortgage ) would cover the cost of the extension. Finally on XX/XX/XXXX I receive paper work to lock the rate for four months at 3.75 % which would have carried me through XX/XX/XXXX. At this time I haven't done my research to know that the first two months of locked rate there is no charge. After many delays the date of delivery was not meet by the builder, which caused the 1st extension which cost me {$710.00} and was for 2 weeks based on a XX/XX/XXXX delivery which was given to me by the builders. That date passed as well which caused an additional extension for another 2 weeks it's costing me an additional {$710.00}. During this time I'm constantly receiving updated paperwork from Movement mortgage and I noticed on one of the documents that something had changed there was now an 0.375 % of the loan amount ( points ) totaling {$1000.00} on the loan documents which wasn't there initially. When I asked XXXX to explain what the points were because I didn't buy down points to get the 3.75 % rate, that was the rate I locked in with, he tells me points can be different things. I asked for a detailed breakdown of all the fees associated with the locked rate, however when he sent this so called breakdown, he failed to include what the points were. I can provide the email he sent. Up until the day before I closed I asked for an explanation of the points but at this time XXXX began to treat me as if he was doing me a favor and in his words and I quote " she should by grateful for the deal she's getting ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: EQUIFAX, INC.
State: TX
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 sent a letter on XXXX XXXX requesting that the Credit Bureaus reinvestigate the disputed accounts from my credit report as well as temporarily remove or update these accounts from my report during the investigation period. As of this date, you have failed to respond to my request. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Again, please reinvestigate if the following accounts as they are inaccurate, incomplete and outdated. 

XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$500.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter on XXXX XXXX requesting that the Credit Bureaus reinvestigate the disputed accounts from my credit report as well as temporarily remove or update these accounts from my report during the investigation period. As of this date, you have failed to respond to my request. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Again, please reinvestigate if the following accounts as they are inaccurate, incomplete and outdated. 

XXXX XXXX  XXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXBalance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$500.00} XXXX  XXXX XXXX Balance Owed : {$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 2023-11-16
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Investigating my credit report i found that my report was being blocked... i initially thought that maybe i did it by accident so i contacted equifax and asked it to be removed ... after further investigation i have found that it was updated from fraud alert to being blocked for promotional purposes... now understanding that equifax has deciding to illegally place a freeze on my credit report with the intent to prevent proper use and growth of my credit... this has prevented me from refinancing my home and numerous credit accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am so sick and tired of the credit bureau XXXX  with my credit score .My credit cards are payed in full every month and my credit score keeps dropping someone please explain how this can happen. Talk about these companies being fraudulent I need help to stop them from running my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: TX
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$8100.00} XXXX XXXX Balance : {$8000.00}

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 explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: SC
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 sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

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 explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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:
There are 3 hard inquiries on my Experian credit report that I do not recognize or authorize. 
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 explanation
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Please remove these Fraudulent 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 non-monetary relief
Consumer complaint received 2022-07-29
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My Client " XXXX XXXX XXXX '' has been trying to get in contact with the lender Shellpoint for a month prior to the foreclosure sale due to a recent car accident that happened. She even ordered a payoff because she was initially planning to sell the house and finally leave the state of texas. The lender " Shellpoint MTG '' has been very difficult in helping her and answering her questions on what her options were.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: Experian Information Solutions Inc.
State: VA
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 am writhing about XXXX XXXX XXXX XXXX This account is inaccurately reporting a 30-day delinquency on my credit. I have reached out to the creditor and reporting agency to have this deleted and to this day it has not. There are numerous inaccuracies with the reporting of this account, which include but not limited to : inaccurate delinquency, inaccurate high credit amount, not showing any date of delinquency but reports a 30 day late, inaccurate payment amounts, and not updating my credit profile that the account was in dispute with the credit reporting agency or creditor. This has had an extreme NEGATIVE impact on my report, and I asked that it be removed immediately. If for whatever reason it is not removed, I am asking that I be notified in writing with proof supporting the decision and explanation of all the discrepancies with involving the reporting of this 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 2022-09-27
Company: EQUIFAX, INC.
State: IL
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 Account # XXXX XXXX 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.

Section 1681-s ( 2 ) ( a ) ( 1 ) ( F ) : a temporary reporting requirement for furnishers of credit information concerning consumers affected by COVID-19.

Section 1681s-2 ( a ) ( 1 ) ( F ) provides as follows : ( F ) Reporting information during COVID-19 pandemic.

( i ) Definitions. In this subsection : ( I ) Accommodation. The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID-19 ) pandemic during the covered period. 
( II ) Covered period. The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after the date of enactment of this subparagraph [ enacted XX/XX/XXXX ] ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID-19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: JPMORGAN CHASE & CO.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was looking for a remote job and I got a job offer from XXXX XXXX XXXX and they set XXXX XXXX for an interview and i passed. They later told me that they are going to send me check so that I can buy computer and software. I get the check 2 days later on the XX/XX/30 and I go to the bank do deposit it but they tell me that they need to hold the check and check for authenticity and that it will be available in 2 days on XXXX. XX/XX/XXXX I get the check on my account and they tell me to buy the computer at the apple store and that I need to send them {$2500.00} for software. Ive never workers remote before so I though this was ok. They tell me to send the money through XXXX and I started to become suspicious so I called the bank that day XXXX and XXXX to confirm if the check is real and they say that the check is perfectly fine and there was nothing wrong with it and that there was money on there and that I dont need to wait 7 days and that the process was already done in the 2 days. So that erased my doubt and on XXXX I sent {$1000.00} and another {$500.00} to XXXX through XXXX. On Monday XXXX the bank takes all my money and now my account has over draft. I called the bank and told them about the whole process and they said they wont refund me the money and that I sent the money willingly. I WAS SCAMMED AND I KEPT ASKING THE BANK IF THERE WAS ANY ISSUE WITH THE CHECK AND THEY SAID NO AND IT WAS FINE. This is so unfair I want my money back.

Company response to consumer: Closed with explanation