BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-25
Company: Experian Information Solutions Inc.
State: MI
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 wrote the company multiple times and the matter as not been resolved. They stated the information was verified but it couldnt have been because its not accurate and I have no knowledge of those accounts or inquiries.

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 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Account # XXXX, has violated my rights. 

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

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

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 2019-07-30
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:
A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : Account Number : XXXX Collector : XXXX XXXX Creditor : XXXX Status : Unpaid Balance Amount : {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
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:
The company allowed my most personal and valuable information to be compromised, putting my financial security at risk. The company 's response has been grossly underwhelming and inadequate. I have already received notice from my bank that my credit card information was compromised and have had to order new cards. This is only the first incident that I 'm aware and more could come. They need to be held accountable and do so much more than just offering CREDIT MONITORING. This response is despicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have a American Express Bluebird debit card. There was a small balance on the card roughly {$30.00}. My XXXX passed. His pension plan sent out a one time death benefit. I used the American Express Checking account banking number and routing number to receive it. In Friday XX/XX/XXXX I started using the card again. The first was with XXXX XXXX XXXX. Then another at XXXX. The NEXT day, I was staying at a XXXX  XXXX in XXXX. I logged into my account. There was {$2500.00} missing! I immediately called card. We tried to cancel the money service transaction. We couldn't. It was completed. I tried to cancel it obviously because I did not do it!! So, the dispute was opened. They've closed it now. So, SOMEONE somehow, went into my Bluebird account, sent money to a XXXX, someone HAD to use ID to pick it up. And I'm not being refunded. I did NOT initiate the money service. I did NOT pick it up, and have no clue who did! They have to be on camera and they had to show ID. I've authorized none of this and they won't refund monies. It was {$2500.00} on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: AR Resources, Inc. (FL)
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
AR RESOURCES , INC . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ND XXXX To : The Office of Registered Agent for AR RESOURCES , INC . 

From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 



By : XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
For over 7 days I 've been trying to access my accounts via the Internet and XXXX XXXX. All I 'm getting is the server is unavailable. Last Friday, XXXX XXXX, 2017 I went to the branch near me and spoke to a Customer Service Rep. She informed that the outside server is down but I can check on my accounts at any branch. 

Not having access to my funds are unacceptable. 

Please help

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 2017-09-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX I My home was valued at {$550000.00}. I applied w WellsFargo for a ReverseMortgage. I went through counseling and completed all documents I thought I had a line of credit on my home balance {$290000.00}. When the loan processed and final docs showed line of credit I asked where was the money I was told we were n't eligible for any money/line of credit. I asked where was the line of credit accrued and used they said that was just a control number that I did n't have any equity credit. I have repeatedly asked to speak to legal XXXX for an explanation. DISCOVERY came recently when I tried to Refi my reverse mortgage and three lenders asked me how I got a reverse with " that much equity '' and no line of credit or cash out. I also did not know I was n't given final money disclosure doc until " a lender '' looked at my WF docs and I did n't know specific info. Now I recently went forward to again attempt to Refi and 30 days after WF notified me my ReverseM was being transferred to another lender. 
PROBLEM if reverse mortgages can not be granted unless ( as a lender explained to me recently ) the home owner benefits from RM how did WellsFargo write me a RM on an appraised {$540000.00} house w balance {$230000.00} but I did not get any financial benefits. We were ages 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 2022-06-18
Company: Experian Information Solutions Inc.
State: NY
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. This is my FINAL attempt to contact you! These XXXX XXXXate payments are NOT mine! They need to be removed asap! This is defaming my name and perfect credit history! Ive also been denied credit because of this falsified information! These accounts are NOT mine and if NOT removed asap I will have to reach out to my legal counsel. You can see that the amounts have no background no history other than one single late payment and for small amounts which is ridiculous! They need to be removed. 
Youve ignored my XXXX XXXX XXXX  letters, no response other than computer generated dispute. These accounts are not mine and need to be deleted. 

Account numbers in question are as follows. 

XXXX XXXX  XXXXXXXX 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 2017-09-10
Company: EQUIFAX, INC.
State: TX
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX of XXXX, my wife and I were pre-qualified by Wells Fargo Mortgage to purchase a home in the amount of XXXX. We placed an offer on a new construction home which had been on the market for 6 months. During the negotiations, we asked the builder to throw in a fence and we would offer XXXX. The builder ( XXXX XXXX in XXXX Alabama ) said he would put the fence up, however, my wife and I would have to pay XXXX ( above our Ernest money ) which would come back to us in closing. However, if we BACKED out of the loan ( this is key ) we would NOT get our money back. Three days before closing, Wells Fargo called us and told us they could not write the loan. When we contacted the builder ( as we DID NOT back out, the bank messed this up ) they said they would give us only till XXXX XXXX XXXX to purchase a home from them and they would apply the XXXX to that home. Who would want to purchase a home from a shady place like that knowing we had nothing to do with what happened? So, we called Wells Fargo for replacement of the XXXX they told us in not so many words, it was our loss even though we were completely mis-lead from the prequalified letter to the whole work up to closing. 
My wife and I are both XXXX 's. When we applied for the loan we were both XXXX XXXX with XXXX XXXX and told our mortgage officer XXXX XXXX in XXXX Alabama that we were leaving the XXXX XXXX and coming back home permanently. She was fully aware and we got taken for XXXX and Wells Fargo refused to make it right. 
Please help! I was unaware of the CFPB till seeing a report on a Sunday Morning program today! 

Please contact me if more information needed. 

We spoke with a man at Wells Fargo in their consumer division named XXXX XXXX ( XXXX ) XXXX XXXX XXXX Wells Fargo XXXX XXXX ( XXXX ) XXXX Office ( XXXX ) XXXX Cell

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 2019-09-04
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I accidentally sent money to the wrong e-mail address using PayPal on XX/XX/XXXX. I have made multiple attempts to reclaim my money and still have not received {$91.00}. 
My neighbors daughter was born XXXX in XX/XX/XXXX. She had some emergency XXXX XXXX in XXXX and our friends were preparing for long term medical care at the hospital. We wanted to help out and give some money to an account their friends setup. 
I sent a {$500.00} payment ( {$91.00} from a credit on my PayPal account and {$400.00} from my credit card ). I accidentally sent money to the wrong e-mail address, missing two letters in the address. I immediately realized my mistake and called PayPal immediately, but it was after their office had closed. I tried to recall my money through my online account, but there was no option for accidentally sending to the incorrect e-mail address. I picked the option that fit the best. I called PayPal and talked to their refund department the next day and they recommended I wait to see the result of the claim. The claim was quickly denied ( XX/XX/XXXX ) and I called again. The representative submitted another claim for me with the proper details. That claim was denied on XX/XX/XXXX. I called PayPal again and the girl I talked with recommended that I file a dispute with my credit card company and said that once they refund the purchase, the entire transaction would be refunded. 
I opened a dispute with the credit card company on XXXX and they resolved the dispute and refunded {$400.00} on XXXX. I called PayPal fairly soon after that to confirm the full transaction would be refunded and they assured me the money would be automatically refunded once the dispute result was settled in Paypals system. After several weeks with no refund to my Paypal account, I called Paypal again. Paypal claimed not to have any control or ability to refund the money. The e-mail address the money was sent to returned a couple e-mails and phone calls and claim to have no control of or access to the money. He said PayPal pulled the money back as soon as the credit card company dispute investigation started. I have copies of the e-mails, bank statement, and case e-mails. 
On top of that I called one last time, XXXX and talked with XXXX at PayPal. He challenged the facts of my case and was extremely rude. 
Ive received {$400.00} refunded from the transaction only through my credit card company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-25
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021 Your company checked my credit report and put a inquiry on my report without my consent i never authorized your company to check my credit report without my knowledge. Please remove the inquiry i did not give you permisson to check my credit report. I dont have a account with your company. I wrote letters to you in XX/XX/2021 asking you to remove the inquiries i have not heard anything from you and wrote letters to XXXX XXXX and XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MD
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
This company XXXX XXXX XXXX, sent me an email stating that I owed {$3200.00} from Ace Cash Express on XX/XX/XXXX. First of all, I don't have an account with these people and haven't obtained a pay day loan from them. I called the number on the email XXXX Ext.XXXX  and spoke with someone by the name of XXXX . She informed me that this account was created on XX/XX/XXXX and the email attached to the account is XXXX. 

After hearing this information, I immediately contacted my attorney at XXXX XXXX XXXX XXXX XXXX, attorney XXXX XXXX and she researched the information and informed me that it is a scam. Not to give them any information but to report them to Consumer Financial Protection Bureau and that is what I am doing now. This is terrible how people obtain your information and use it against you. They need to be stopped and prosecuted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: EQUIFAX, INC.
State: DC
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:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX with XXXX # XXXX was paid it needs to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: EQUIFAX, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Equifax has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: Navient Solutions, LLC.
State: NJ
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:
My Navient student loan account is in forbearance. 

Navient has not notified the credit bureaus with the correct information concerning my account. 

My credit is negatively being effected and it is against the law for Navient not to be updating the credit bureaus with the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
My XXXX XXXX XXXX  report shows that an American Express credit card was opened on XX/XX/2021 under my name. But I did not open an account. The report shows that I am an authorized user. It only shows a part of the account number which is XXXX. I do not have an AMEX credit card so this is not correct. I am afraid that someone has used my information to open a credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: EQUIFAX, INC.
State: DC
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:
Equifax failed to maintain basic security practices, resulting in the loss of private data to unknown souces. Equifax has failed to demonstrate transparency and has deceived the public about it 's knowledge of the data breach, as indicated by Equifax executives selling stock moments before releasing information about the data breach. Finally, Equifax has failed to properly resolve issues that stem from the loss of data that will lead to an increase in identity fraud, by not providing an option to make whole the individuals whose data was lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 have disputed the following 2 accounts on my credit report, and I was never given any physical verification as promised by the FCRA, instead my report was updated without verification. The following accounts, XXXX XXXX XXXX ( XX/XX/XXXX ) inwhich I was put on as an authorized user inwhich I had no knowledge of. Also I disputed XXXX XXXX XXXX ( XX/XX/XXXX ), a company inwhom says they have absolute no record of me and advice me to dispute it, However, Transunion keep updated this information, never not once giving me an physical documentation.

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