BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-24
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: Old information reappears or never goes away

Complaint:
I filed a XXXX complaint against XXXX XXXX XXXX on XXXX/XXXX/XXXX for inconsistent credit reporting for a repossession in XXXX XXXX ; after numerous disputes with the creditor ( XXXX XXXX XXXX. I thought we agreed to a fair resolution to update my report with a past due balance of {$2800.00}, but this company is still inconsistent in its reporting to the credit bureaus. Since the case closed with the XXXX XXXX XXXX/XXXX/XXXX XXXX, this company has been reporting this account closed one month and open the next which is making my credit score go up and down and this has been an ongoing situation. I have disputed the inconsistencies with all three credit bureaus and no change. I know per the FCRA, that the credit bureau must notify you within 5 days of adding accounts to your report, in this case I was not informed. This is very stressful in trying to make corrections to your credit report when there was already an agreement and it is not fair to me to be inconsistent when doing so. 

I have more information attached in the XXXX complaint below.

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 2022-04-30
Company: John C. Heath, Attorney at Law, PLLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Lexington law charged me a " first work fee '' of XXXX on XX/XX/22 They also took two separate fees of XXXX from my account. One withdrawal on XX/XX/22 and one on XX/XX/22 The service was not actually provided, as the " letters sent on my behalf '' were returned to me via usps as undeliverable. 
The service was canceled after searching for hours on how to actually cancel it. 
Since I signed nothing with them, they did not actually have any authority to take any money. Nor did they have any legal right to send anything on my behalf. 
They took additional money from me without authorization, and once I canceled, they refused my refund, even though they did no work for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, 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 an account without my written instruction
s.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: Southern Financial Systems, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was involved in a wreck on X/XX/2012. Other party at fault. Had attorney to handle this matter. The day after the wreck I hired XXXX XXXX ( attorney, XXXX XXXX, MS ). Medical bills should have been handled through XXXX XXXX ( other party 's auto insurance ). <P/>Southern Financial Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
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: Investigation took more than 30 days

Complaint:
CRA is in violation of FCRA, FDCPA and XXXX XXXX compliance..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05
Company: Freedom Mortgage Company
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I sent a wire transfer from my bank to Freedom Mortgage on XXXX. I used the information provided to me from Freedom Mortgage. I completed the transaction at the bank and paid for the service. After monitoring the account at the bank for withdrawal of the funds for the transfer, I contacted Freedom to find out why they had not received the payoff. I provided all of the information from the bank wire document, the name of the banker and his phone number. In the interim my account with Freedom Mortgage was noted as delinquent. I was told by Customer Service that my account would be researched and that my account would be notated so that my exemplary credit score would not be negatively impacted. I was not contacted again by Freedom Mortgage. I called again one week later to try to get a status of the investigation and again had a lengthy conversation of over an hour with two different Customer Service people who informed me that nothing had been done to investigate the wire transfer. I again asked that my account be notated to prevent negative impact on my credit and was assured that it was going to be taken care of. I also, before making the second call, logged in to my account with Freedom Mortgage and found that the delinquency was still on my account and at that time sent a message through the online service that the wire had been sent, but not received and that I was trying to rectify what the issue was. I did not receive any response from the Customer Service agents. I did get an email that my message had been received at my account login and that I would get information from Freedom Mortgage regarding my inquiry. On speaking with my bank, they informed me that the intermediary bank on attempting to remit funds to Freedom Mortgage was unable to do so because the account could not be found. All of the information on the wire transfer was exactly what had been provided to me by Freedom Mortgage. When I called to try to get a status of the investigation from Freedom Mortgage I was told that they would not contact the bank and that the amount had increased due to the elapse of time from when they provided me the payoff amount. They also informed me that they could not promise that my credit score would not be adversely affected. I am currently in the process of getting a new payoff statement from Freedom Mortgage. I will send a Certified Check and not attempt to wire the funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I am making a formal complaint against Transunion. Since XXXX XXXX I have submitted written disputes for the following account XXXX XXXX XXXX Account # XXXX. In XXXX XXXX I mailed a dispute and called and spoke to a Customer Representative and asked him the gentleman what the status or the outcome of my dispute. He told me that Transunion never received my dispute or my documentation. I told him that I had received the green return receipt card with a stamped signature dated XXXX XXXX. The guy lied to my face because I told him I was looking at the card with the date and signature. I became furious because I had been lied to. I asked to speak to a native XXXX speaker because I felt there was a language barrier and a cultural barrier. I was then transferred to XXXX XXXX. She told me the same thing, that Transunion did not have any record of receiving my dispute. I told her that I had return receipt green card. She said that she would be able to take my dispute again and I told her that I would fax the information over. 

Now fast forward to XXXX XXXX. On XXXX XXXX, XXXX I mailed a new dispute to question the validity of XXXX XXXX XXXX Account XXXX and XXXX XXXX XXXX XXXX Account XXXX. On XXXX XXXX, XXXX I received a letter from Transunion asking me to confirm my address by sending in proof of address in the form of utility bill or pay stub etc. 

I find Transunion request to be incredulous because I have mailed in proof of address and identity months before and I strongly feel that Transunion is using stalling tactics and denying my rights under FCRA by " loosing or misplacing my requests or documents '' I have been lied to on more than one occasion. 

With the latest hacking breach that was suffered by XXXX I question the security and strength of all the credit bureaus to include Transunion. I do not have faith or confidence in companies like Transunion when they routinely lie, circumvent XXXX laws. 

Here is my information : XXXX XXXX XXXX XXXX Transunion File Number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I received a fraud alert message on my phone for {$2500.00}. Upon replying no to the message, I received a phone call from Capital One customer support number, which I verified before proceeding. I did not disclose any personal information on the phone call, as the rep repeatedly told me they would not ask for any. I was informed that the money had been transferred via XXXX, and as it was a third party app, the only way to retrieve my money would be to send it back to myself. I proceeded to add my cell phone number and email address to a XXXX account via my Capital One app and sent {$900.00} to my personal phone number. Once sent, I received a notice that the transfer was successful to another individual named XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions 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:
Experian continues to report XXXX XXXX XXXX. It is an invasion of my privacy and a violation of HIPPA. I never gave consent for Experian to report this alleged debt and XXXX never had my consent. Experian has failed to do a proper reinvestigation. The are continuing to report it without validation it and it is a violation of the FCRA.

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 2022-04-30
Company: General Motors Financial Company, Inc.
State: CA
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:
accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an pan end consumer credit plan as late

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
There are numerous accounts listed on my credit report that I currently have no knowledge of. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: Bridgecrest Acceptance Corporation
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My loan payments were initially " bi-weekly '' for auto loan. Some time ago I have been on  XXXX  where I am only receiving income once per month. I 've talked to the company SEVERAL times to switch my payments to monthly. No one seems to know what happened to the initial request. Maybe it vanished ... I do n't know. I receive several phonecalls a day from the lender bombarding me to make a payment with out discussing the request that I 've put in. Th e Lender also does not show how payments are being applied to your loan. They have all other documentation on their website with the exception of this feature ( red flag to me ). I would like my payments to be switched to monthly instead of biweekly ( which the len der said is possible but my request is completely not noted ).

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 2017-07-03
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Chase on XXXX in XXXX Indiana has closed my Prepaid Card for me using, my Check Deposit on my Account : ACH:XXXXand on a Account The Federal Judge In XXXX did, Put in Affect so no one but me see it in my Account in my App in my Bank Account ACH Account:XXXX, Chase Representatives could not see Account????????? and Chase Bank closed, and stopped my check deposit for no REASON this was my money from my Littgation in XXXX Indiana

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: LOBEL FINANCIAL CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account falls under the INSTALLMENT ACCOUNTS on my credit report.
4.1 LOBEL FINANCIAL ( Account closed ) BALANCE : {$4300.00} DATE OPENED : XX/XX/XXXX DATE REPORTED : XX/XX/XXXX LOAN TYPE : Auto Loan COMMENTS : Charge-Off Account - Fixed Rate This account also falls under PUBLIC RECORDS on my credit report.
<P/>
JUDGEMENT : Case/Docket # ( XXXX ) DATE FILED : XX/XX/XXXX COURT : County XXXX XXXX Court AMOUNT : {$4600.00} This account does not belong to me. Yes, my biological birth name is XXXX XXXX. I do not have a middle name or middle initial. I am not XXXX XXXX XXXX I do have a son by the name of XXXX XXXX XXXX He 'll either go by XXXX XXXX, XXXX XXXX XXXX and/or maybe XXXX XXXX XXXX. My son lives in XXXX XXXX as well. When I first moved to XXXX XXXX back onXX/XX/XXXXI moved in with my son XXXX XXXX XXXX, his wife, and their children. I 'm not saying my son XXXX does have my social security number, but possibilities he just might remember my social security number. I moved from XXXX to XXXX XXXX back onXX/XX/XXXX This particular account was opened on XX/XX/XXXX. The only time I had ever had an auto loan was back in XX/XX/XXXX, and I had a co-signer by the name of XXXX XXXX Never did I ever have another car loan in my name whatsoever. My oldest children have been around numerous times when my spouse and I have talked about social security numbers. Being that mine is not very hard to forget I feel my son has used my identity and I would to have this removed off my credit report. If there is anything else that I need to submit besides this complaint dispute please inform me and I will submit whatever it is needed to clear my name.
<P/>
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Experian Information Solutions 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 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  Balance {$500.00} ; XXXX XXXX XXXX XXXX Balance {$8700.00} ; DEPT OF EDUCATION/XXXX XXXX XXXX {$3700.00} ; XXXX XXXX XXXX XXXX XXXX {$150.00}.

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 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Several mistakes occurred at the end of XXXX and XXXX in which the lender/servicer admitted fault and submitted requests to credit bureaus, including Trans Union , to reverse their reporting as it was a mistake. On XX/XX/XXXX I submitted a dispute with Trans Union to dispute the inaccurate reporting. I had also submitted a dispute with CFPB on XX/XX/XXXX where XXXX Mortgage 's XXXX of Customer service XXXX responded that corrections would be made within 1-3 business days with bureaus and to refer to the correction code AUD # XXXX. I attempted to log into the Trans Union account XX/XX/XXXX as I received a message that there was a dispute result and I was shown an error code XXXX Access Denied per the message after I clicked log in. I had thought this was partially cleared as XXXX XXXX reports my points being added back and no delinquency with XXXX Mortgage. On XX/XX/XXXX I went to take out a personal loan for some home projects at a local credit union who reported that my credit was XXXX. It appears Trans Union has not fixed my credit report despite the request from XXXX Mortgage. I called XXXX Mortgage who reported that I must dispute again this Trans Union as they have already reversed the credit reporting. I was never delinquent with XXXX Mortgage. I urge Trans Union to do the right thing and correctly report my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Good afternoon, I have a complaint against Pay pal and would like Consumer Finance Protection Bureau to investigate this matter. As of XX/XX/2021 Pay pal have placed a permanent limitation on my business account. Meaning I can no longer recieve or transfer funds from my account.The buyer of my products uses Pay pal because it's safe and easy for us to do so. I contacted Pay pal seeking the reason to why my account had been shut down and was told that he could not say over the phone for security purposes. In the past Pay pal has ask me to upload documentation for verification and I have always complied .At this time I have a balance of {$360.00} in my pay pal business account. It's unfair to me and my business that I can't resolve the issue because I don't what the complaint is. I have a total of XXXX invoices, the buyer recieved his products, I also have a copy of the buyers confirmation which the buyer provided. Again I don't know where there is any suspicious activity. The other concern is why hold my funds for 180 days ( XXXX mos. ) after suspending my account. The products have been shipped and I can provide tracking information for all the invoices so what is the need. Again it would be appreciated if this matter could be investigated. As always have a Good day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
IN Accordance with the fair Credit Reporting act convergent, XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. I have the right to privacy.

15 U.S.C 1681 section 602 A. Section 2 It also states a consumer reporting Agency can not furnish a account without my writte n instructi
on.

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 2017-07-03
Company: BARCLAYS BANK DELAWARE
State: LA
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:
Barclay Credit Card- reporting my account 120 days late in   XXXX   2017 when in fact it was not 120 days late. This company has inaccurately reported my account late on several occasions, after the account had been clos ed. I have made several disputes and they continue to update inaccurately on 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 2022-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Bank of America has twice sent me requests for more information to complete a credit card application I have never filed. I have told them I did not want the card and to cancel the application. BOA refused to tell me how the application had been received. 
The have now sent a credit card that I did not request or want. 
This is only happening with Bank of America and no other businesses which makes the likelihood of identity theft much lower. The card was also mailed to my correct current address. Seem unlikely that someone trying to steal my identity would send the card to me. 
Today I am attempting to cancel the unwanted card. I have been on hold for over 20 minutes without anyone picking up, just a recorded message on a loop. 
I want BOA to cancel the card without fees or penalties as it was sent to me fraudulently,. I further want them to never process a credit card application for me again. 
I believe that BOA is committing fraud and endangering my credit card.

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