BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 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 Inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX/XXXX XXXX. 
I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : DEPT OF ED/XXXX, DPT ED/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 2020-06-17
Company: U.S. BANCORP
State: SD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2020, {$4500.00} was stolen out of my Fathers savings account which I am a signer on the account. I was notified on XX/XX/2020 by the Branch Manager of the US Bank Branch by telephone that this had occurred. Her name is XXXX, her phone # is XXXX. Also, the police were at this Branch and apprehended the person that stole the money, this person was charged with Identity Theft as it was then discovered that this person had stole my identity. She had an ID with all of my information but the picture on the ID was not mine. I have requested a copy of the police report from XXXX XXXX, Case # XXXX, out of the City of XXXX XXXX, CA. Her phone # is XXXX. I have not received this police report as of today. I have been doing all of the leg work since this happened. I have left several messages for XXXX to call me back to give me a status on this. Ive filled out paperwork requested by the US Bank Branch in XXXX XXXX, SD where I live. There are several US Bank Branches here in XXXX XXXX. One Branch will tell me some information and another Branch will turn around and tell me something different. I have also contacted the US Bank Home Office in XXXX, MN, talked to their fraud department several times, asking when this {$4500.00} will be returned to my Fathers savings account. No one can ever give me an answer. I am becoming extremely frustrated more and more as each week goes by that this money has not been refunded and also not getting either returned calls or solid answers from US Bank. I am also a customer of US Bank.,

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 2015-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Last year I have been getting calls from banks unpaid accounts never did business with themI had credit cards with one bank I found that they have been used by someone not meI have been sending letters to Truns Union asking to delet the accounts all they gave methe run around sent them 3 letters in 4 mouths run around.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
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:
On XX/XX/2022, I sent a letter off certified, the tracking numbers are XXXX, XXXX, XXXX. 

I told them to investigate every single account on my report and the credit bureaus stated all accounts listed on letter was properly investigated but how if all information is inaccurate, including name, address, last active, date opened, and last reported. They also informed me that all address were removed that I informed each credit bureau was inaccurate. This is ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting can not furnish an account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 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 Inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX/XXXX  XXXX. 
I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : DEPT OF ED/XXXX, DPT ED/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 2019-12-24
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2019 I was charged a NSF fee of {$35.00} for a transaction of {$200.00} made on XX/XX/2019. When that transaction posted along with other transactions from that date the daily ending balance for XX/XX/2019 was {$86.00} XXXX positive balance ). I called Wells Fargo and was advised that when the XXXX transaction for {$200.00} was conducted my account was negative. XXXX transaction are not able to be completed if there is not enough funds in the account. 

In the past I was contacted Wells Fargo that they are not posting the transactions per their own Account Agreement, which states that transactions are posted in the order that their are conducted.

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 2019-12-24
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I XXXX XXXX is using the Consumer Financial Protection Bureau to file a notice with my mortgage servicing agent that I have a plan to pay off my mortgage in full by XX/XX/2020. I personally have experienced several financial set backs over the past year due to my employment issues. Even though those issues are now resolved, I have decided to sell my home and move out of the state of California altogether. Therefore, even though I am a few months behind in my mortgage, I request an additional six-months forbearance on mortgage payments, so that I can list my home for sale, make cosmetic improvements, and sell my home. Since my home has over {$200000.00} in equity, I do not see any problem getting it sold. Accordingly, I respectfully request the necessary documents to be emailed to me by Shellpoint Mortgage Servicing to complete the forbearance request as quickly as possible. I will list my property with a local realtor by the end of XX/XX/2020 to start fulfilling my obligation to close out my mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Last Wednesday, XX/XX/XXXX, I was looking to purchase 2 tickets to a XXXX XXXX basketball game. I found a listing that had great seats for {$100.00} a ticket, and went ahead and messaged the person. I had a good conversation with them, they sent me proof that they had the tickets, and everything seemed fine. 

I asked what they wanted to do for payment, and they said they didn't wan na do XXXX because it caused a huge headache for them last year with a hack. They'd prefer to do XXXX. I was hesitant here because I know that XXXX has the best protection and I messaged my concern to the seller. I also asked if I could send {$100.00} for the first ticket, then he sends the first ticket, then I send the rest of the money, and he sends the second ticket. This way I could have a little bit of security. He didn't reply for a couple hours, so I messaged him for an update. He told me he didn't feel comfortable doing that and gave me best of luck finding seats. 

I figured that he had to be legit at this point. If he was scamming me, wouldn't he have just taken the {$100.00} and left? So I messaged him again and agreed to do it all at once over XXXX. Now since XXXX is through the banks, and is linked to social security numbers and identities, I figured that if I was being scammed it would be easy to reverse the payment and find the person. He told me he was already lining up something with someone else. I offered {$120.00} a ticket and begged him a little to sell to me. He agreed. 

I sent the payment through Wells Fargo XXXX, ended up sending {$250.00} total, he messaged me that we was transferring the tickets, and they never came. Tried calling/texting him but no answer. 

The phone number he used to text me was XXXX The XXXX name was XXXX XXXX and Phone number was 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 2017-09-12
Company: Experian Information Solutions 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 information incorrect

Complaint:
Since XX/XX/XXXX XXXX XXXX XXXX has continually labeled my account as 30 days late when, in reality, I only ever missed XX/XX/XXXX and XX/XX/XXXX payments. I have always paid them within 30 days of the due date. I am more than frustrated with this company. They are never there when I call and when I email they will never help me but, instead, tell me to just call. They have tried to push the blame on me and my insurance agency when I have documentation that they are the ones who are difficult. When I was in an accident that deemed my car a total loss, XXXX completely stopped talking with me when I inquired on what to do. They have also continently lost/never received my emails inquiring about this. They have already marked my account as late for XX/XX/XXXX when I paid the bill I received for XXXX dollars before the due date. I also Paid my account in XX/XX/XXXX and they still marked it as late. Before my accident they were always on me when I was past the due date ( i would sometimes have to have a week or two after the due date, but never 30 dates like they are reporting ), but as soon as they received a check from my insurance for over 6 thousand dollars they completely stopped talking to me. They also did not inform me that receiving a check for XXXX would not count as a car payment.. even though it should. It paid down my account quite a bit. They are RUINING my credit and I want them to stop.

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: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I got a limitation on my business PayPal account XXXX. 
The reason : " we decided to permanently limit your account as there was a change in your business model or your business model was considered risky. This could be due to how and when items or services were sold and delivered and your inventory management. '' I have an online game with several hundreds of active players. My game is free for download and play. To play my game it is necessary to register an account, download game client files, install it and run on XXXX. 
On a game website there is a page which allows you to buy virtual currency using PayPal. There are several options available to purchase ( payment_page.jpg ). When you click the desired option, the website redirects to the PayPal payment page. 
After payment the user redirects back to my website and my system adds purchased virtual currency to the user game account and logs all information about payment to my records system. 
Once payment is handled and virtual currency credited to the user game account the user can use this currency in the in-game store to purchase any desired game values. 

I have had this business model since I registered a PayPal business account and have never changed it. In my personal opinion, such a business model, when a user buys in-game virtual currency for real money and then spends it on in-game values, is one of the most popular among current games ( especially in games on mobile phones ). 
I have carefully read the PayPal Agreement and Rules and can assure you that my business model does not violate the rules and complies with PayPal 's terms of use. 

I have an account in another country XXXX which have XXXX completed orders and good seller reputation. I can not use this account ( country restricted ) but this account proves that I am good seller and can do business with PayPal. 

I want PayPal to lift all limitations on my account. 

My case ID is XXXX I have attached a file to show how payments are processed on my website.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
Company: Upgrade, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have made large payments to suffice the loan. ( I made 3 payments in one month ) The company is advising they would apply that only to one payment and charge a late fee on the next one. I should not be charged fees when I made such a large payment. They are advising they are unable to apply to any future payments. Its a scam in regards to how they can collect late fees and should be investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I am looking to move into a new apartment and I wanted to make sure that my credit score was ok. I noticed that it was very low and then went to Experian.com and paid for a credit report because when it went to get a free credit report, it said I had already requested XXXX for the year. I paid {$21.00} for said report and noticed that I had a tax lien on my report, which was an error. I contacted New York State, which is where this tax lien originated from and they investigated and sent me a vacate notice in the mail. I contacted Experian and told them I am disputing this item and they said this dispute will ( not maybe or can or might or may ) be resolved within XXXX days. I called them back and asked if there was a way to expedite said dispute processing and they said if I make a copy of the vacate notice and upload it to them, the dispute would be resolved within 5 business days. I did this on Saturday, albeit with difficulties. I am a XXXX on large mainframe and pc networks. I made a black and white scanned tiff file, as per their website requirements. Each time I went to upload this file, their website stated that the file was in color. After XXXX hours of trying ( because of timeouts on their website and having too many re-tries ), I converted the tiff file to a pdf. I was then able to upload the file.I called this morning, XXXX XXXX, 2015 to inquire if they had even received my file upload and the person who I spoke to said that they can not see if the file was uploaded or not because that is taken care of by another department. I explained my difficulty in uploading the file and I wanted to be sure that the pdf file I uploaded on Saturday was successful and I asked to speak to that department which takes care of the file upload process. I was informed that I can not speak to them with no reason given. I was also told that the dispute " may '' be expedited but there is no way of knowing. I told him that the person who I spoke to previously, on Friday, was pretty definitive that if I scanned this document and uploaded it, my dispute would be expedited. I then asked to speak to a supervisor and was placed on hold. After the hold, I was told that the supervisor would not speak to me but if I provide a phone number, she may call me back. At this time, I ended the call. After looking at my bank statement I noticed I had been charged {$39.00} for Experian.com services. I remember that I clicked on a button which stated, click here if you want your credit score from other credit bureaus and I did. At no time was there an indication that I would be charged for this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-17
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:
I am trying to buy a house later this year so today XX/XX/20 my lender ran my credit to see how much I would qualify for and he told me I would not get approved for anything at this moment because there were many accounts in negative standing appearing on my credit. I had no idea that there were accounts with negative history on my credit since the few credit cards I do have I don't even use. I looked through my credit report and I saw accounts from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ; I have never opened an account with these companies nor have I ever given anyone permission to open any accounts on my behalf. I did not benefit anything as a result of these accounts that were opened in my name such as money, services or goods and I did not participate in any purchases or payments ever made towards these accounts. I have filed this report to the best of my knowledge and I have also reported these unauthorized accounts to the police.

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 2022-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hi there what's going on? It's been several months now but I still haven't got a response from you. I don't go so far as to spend money and sue your organization for not doing your job but I would if I'm forced to. I'm only asking for those negative items to be reinvestigated properly but you seem to ignore the letters. I joined an online forum and they have been advising me to pursue which FCRA laws have been violated but for the last time please do look into my account and remove the errors I listed. FCRA section 611 ( a ).

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 2019-02-19
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have sent several letters to inquire a refund for the illegal insurance charged to my escrow account. Rush more Loan Management Services, LLC charged my escrow account for insurance in the amount of my loan which is illegal. Insurance should be placed for replacement costs value. My Condo has had insurance all the time ( See Attachments ). This insurance is specific for the building and my unit number. It covers bare walls. Rushmore is inquiring  about the insurance on the contents of my condo which is in a replacement cost value about {$7000.00}. They charged me 9 months of insurance on XX/XX/2018 for prior months. They haven't been specific about the coverage they were asking for. In their letters, no unit number was entered. My condo has had insurance which I paid and still pay so a refund needs to be applied. It is illegal to charge for insurance in the loan amount and get worse when the condo has been insured and the coverage they were asking for was very specific and not a lot in value

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: TRUIST FINANCIAL CORPORATION
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:
I WAS A VICTIM OF IDENTITY FRAUD MY WALLET WAS STOLEN AND SEVERAL YRS LATER FRAUD ACCTS HAD APPREARED ON MY CREDIT BUREAUS AND LATES STARTED HITTING MY CREDIT AND I HAVE SINCE BEEN DISPUTING AND I WAS ABLE TO GET MOST OF THE FRAUD ACCTS OFF HOWEVER THE 2 ACCTS SUNTRUST AND XXXX LISTED ON MY CREDIT IS STILL ON MY XXXX REPORT I HAVE TRIED ALL I CAN'T TO HAVE THOSE ACCTS REMOVED THEY DID REMOVE THEM FROM MY XXXX XXXX AND XXXX HOWEVER IT REMAINS ON MY XXXX AND HAS AFFECTED MY CREDIT GREATLY

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