BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-25
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 : The collections and companies have violated my rights : 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 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 XXXX XXXX XXXX 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 : The collections and companies have violated my rights : 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 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 XXXX XXXX XXXX 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This Portfolio recovery account popped up on my credit report one day. I dont know this company and I have never done business with this company. They constantly change the account and move it around to start the dates over. As a business owner this a a problem to me because I do not know these people and they refuse to stop segregating my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: WELLS FARGO & COMPANY
State: NM
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XX/XX/XXXX I was scheduled to close on a home and when the title company pulled a New Mexico public record I was informed of a judgement against me in the XXXX judicial court of NM from Wells Fargo for a credit card opened in XX/XX/XXXX. I Immediately called Wells Fargo to let them know this was not my debt and asked how can I get this resolved since I was supposed to be closing on a home and had already given notice on our current residence. Under direct pressure I asked if they would accept {$1600.00} so I could close on my home and I was given a settlement of {$2900.00} to have the judgement removed. This was far beyond my financial resources especially for a Fraudulant account. I immediately filed a police report. Since then I have spoken to numerous people and the attorney for wellsfargo and have had no help with this matter. We have now lost the house and have been put in a unbelievably dire situation

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 2018-07-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted a loss mitigation package to my lender, SPS, on XX/XX/2018. I then submitted more documents on XX/XX/2018 to complete the package. I am now being told by SPS that there is nothing they can do because the sale date is too close. My sale date is scheduled for XX/XX/2018. I am a US Veteran and no one from SPS ever reached out to me to offer me any assistance. I have never been assigned a designated point of contact and the excuse that there is not enough time to review the information I sent on XX/XX/2018 is absurd and a violation to my rights. SPS has always given me the run around and now I am forced with no other options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
A XXXX account, unknown which account, was able to link to my PayPal account ( XXXX ) without needing a password or a pin. There is no indication which fraudulent XXXX account used the account as it does not tell me. When I filed a dispute for PayPal to look into it they instantly closed it stating it was an authorized transaction. 

When I checked my account I had no link to XXXX for preauthorized payments and when I filed the dispute it said it cancelled a non existent link to XXXX. PayPal refuses to help people when this happens or even answer questions as to what account on XXXX this linked to and who set up the link. This is happening to a large number of their customers and needs to be investigated as this is pure fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-25
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: Credit inquiries on your report that you don't recognize

Complaint:
My laptop was stolen with all my info. And i just got my credit report and see my credit had hard inquires on my report. Which is stopping me from moving forward in life

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 2019-12-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XXXX ( XXXX in XXXX ) I placed an order from a store in XXXX online for about XXXX bt ( little more than {$300.00}. U.S. ). Filled out credit info and pushed the submit button a minute later my store informed me my purchase had been declined. I called my card company and was actually speaking to a rep 3 minutes later. I explained that I had indeed tried to make the purchase and she asked me my first /last name, DOB XXXX my card number and the 3 numbers on the back of the card. i was put on hold for a short time and when she got back to me she said, '' I'm sorry XXXX XXXX your card has been put on hold and you will need to speak with the fraud dept. when they open tomorrow morning. I called the fraud dept. at XXXX XXXX XXXX in XXXX XXXX and answered all the same??? 's to her. She told me I would need to upload govt. ID ie : driver license ( expired yrs ago as I have lived in XXXX XXXX XXXX, ss card and a few other but NO passport can be used. I'm sure she could have asked me many personal??? 's which I am sure they have right in front of them and only??? 's I would know the answers to. It would seem an easy resolution. In the past I have recieved e- mails from my card company about a purchase being legitiment or not. What happened this time?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have an issue with my XXXX line of credit. I was paying through a joint account that I have with former spouse. We got into it and the Navy Federal account with over the limit. I was in constant contact with Navy Federal, I continued to make payment and the account was finally brought current. Then I called to check the status and was advised it was current but the account was frozen and they are not going to unfreeze it. I was NEVER notified. Had I known this I would have borrowed to bring it current sooner or something and when I call they are rude and unhelpful. Then the tell me that I was notified and I was n't I asked for a supvervisor/manager to listen to every single call and tell me when I was notified and to call me back. I have yet to hear anything aside from reapply. I do n't want to reapply my credit score has tanked because of this, so why would I reapply. Prior to XXXX I aside paid on time. I just want the current XXXX unfrozen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2022-01-20
Company: HireRight Solutions, Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
Substantial delays with completion of report. Given inaccurate information regarding submission of documentation and what is accepted. 

Holds for information caused issues with pending job offers putting substantial duress on myself and family as I can not make firm decisions of what jobs to accept or decline as my first choice position with XXXX was heavily delayed by technical issues from hire right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: EQUIFAX, 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:
This is XXXX XXXX who is submitting this CFPB complaint myself. The Equifax Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX  ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXX XXXX XXXX  XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
A person who goes by " XXXX XXXX '' has continued to fraudulently use my phone number, which I have had for almost one year. It is a free phone which I qualify for due to limited income. Venmo is refusing to update my phone number on my account or even attempt to verify it's mine, by inbound or outbound call or text to my number. I recently had issues with my number being used in a fraudulent manner with a food delivery service account where the number was still being used by the other party. Venmo has asked me to " show my bill, " which I have attempted to explain there is none, with the free phone service. They have made no efforts to attempt to verify my ownership of this phone in any other way. We have reached an impasse and agent " XXXX '' refused to allow me to update my phone number, or escalate the issue to someone who may be able to help, in an email attempt on my part from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: Lyons, Doughty & Veldhuis, PC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
LYONS, DOUGHTY, AND VELDHUIS PC have sued me when they have admitted to being a debt collector. They have copied a fictitious letter stating they sent it to me which no proof can be verified as it was not send as a certified letter. 

The above debt collector did not contact me nor did it make any attempt to do so. The first time I heard of them was on the court summons sent to me on the courts behalf stating that the LAW FIRM of LYONS. DOUGHTY, AND VELDHUIS P.C. has sued me. They can not legally act as a law firm and then act as if they are just a debt collector. THIS IS A SCAM TO CONSUMERS!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: NC
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:
This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$1400.00} ; XXXX  XXXX Balance : {$37.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXXXXXX Balance : {$37.00} ; ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$590.00}

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 2022-01-21
Company: Experian Information Solutions Inc.
State: TN
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:
Not so long ago I wrote a letter regarding accounts that I have disputed and can be found in my credit file that was incorrect and inaccurate, I am very upset that they are still showing in there. I do not validate that accounts and it is a violation of the US Code 1681 Accuracy and Fairness in Credit Reporting under the Fair Credit Reporting Act.

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 2015-08-02
Company: EXPERT GLOBAL SOLUTIONS, INC.
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX & XXXX have been chasing me for three years, for a silly amount of money that I no longer owe. I paid them two years ago. Again this year they are after me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: CAINE & WEINER COMPANY, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I bought insurance for only one driver from the XXXX XXXX   but have found a cheaper price from another insurance company. 

I soon as I cancel my insurance, I was told that I still owe around {$300.00} because additional drivers were added to my policy without my knowledge or authorization. 

They have no right to add another licensed driver who doesnt live in my place. The point is, they have no right to list two drivers just because they thought they live in my house. 

After contacting the XXXX XXXX, I was told that their system shows that they might be additional people live on my place, they thought it was my uncle and grandfather so they needed to add them without my knowledge or permission, I told them that my grandfather and uncle never lived in my place. They have their own houses plus my grandpa doesnt even have a driver license he is too old and turned it in for state ID replacement. 

I was also told by the agent who sold me a policy that it was a mistake possibly based on information XXXX XXXX had from an old insurance policy which was under my grandpa and uncle name and I was an additional driver, but that policy was canceled and done a while ago. Also, the agent who sold me the policy has told me that I didnt owe anything, but recently I found out that they have reported the wrong information on my credit history. 

I have the right to have their dispute investigated. The XXXX XXXX company is dishonest insurance agents and fraud consumers by adding drivers without the owner of the policy authorization. For that, I needed to pay extra insurance payments. They have no right to put collection on my credit. The XXXX   XXXX  company was done was illegal activity for consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my 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 non-monetary relief
Consumer complaint received 2016-11-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Continuous problems with bank while I have attempted to get my payments on track after they failed to contact me timely or correctly of an issue with my escrow. I have received no resolve of my XXXX due to their negligence. I have called multiple times only to be told that I owe more. I have called to resolve, spoken with agents who have told me I was good to go, then another issue will pop up. I was told that I was all clear, caught up and if I would go to their automatic withdrawals, I would n't have the issue again. I followed their course of action, had 1 payment automatically withdrawn. I was cancelled there after due to another claim that I was short on my payment. Nothing but XXXX form them. They are a fraud filled bank that need to be shut down

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