BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-06
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:
Please refer to Consumer Financial Protection Bureau ( CFPB ) Complaint Number XXXX and Complaint Number XXXX for reference to the previously reported data spill, identity theft, and fraud leading to the sabotage of my credit report. There was an attempt to rewrite history as the timing of these emails, encounters and correspondence appear to refer to previously reported incidents from the years XXXX - XXXX. On XX/XX/XXXX XXXX XXXX  I received an email from XXXX  ( XXXX ) with the subject line : " Your Rental Application to [ RESIDENCE REDACTED ] ( ReferenceID : XXXX ). '' The XXXX email stated, " Enclosed please find the FCRA ( Fair Credit Reporting Act | Federal Trade Commission ) Adverse Action Letter that pertains to your recent rental application. Thank you. XXXX Consumer Relations. '' The XXXX  email attachment continues to state, " Although we are solely responsible for our rental decision, it was based in whole or in part on information contained in a tenant screening report provided to us by : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX # XXXX XXXX, MA XXXX ( XXXX ) XXXX XXXX XXXX XXXX  ... You also have the right to : * Obtain a free copy of your tenant screening report from XXXX  by contacting them directly within 60 days of receipt of this notice. * Contact XXXX directly to initiate a dispute of any information in your tenant screening report you believe is inaccurate or incomplete. * Obtain a free copy of your credit report directly from Experian, which provided it to XXXX... You may also have additional rights under the credit reporting or consumer protection laws in your state. For more information, please contact your state or local consumer protection agency or state attorney generals office. '' The XXXX email ( as well as other emails received ) yield a level of well-timed denial of fundamental consumer rights with the expectation that consumers are responsible for correcting, protecting, and preventing errors and breaches that occurred at the company. To date, my credit, finances, and records remain severely damaged from the repeated unauthorized inquiries, unauthorized access, identity theft, and fraud stemming from a failure to safeguard information. CFPB Complaint Number XXXX provides evidence of several other companies that also accessed my credit report without my knowledge or consent. This factually incorrect email, attachment, and contents from XXXX confirms there was a severe breach involving 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 explanation
Consumer complaint received 2021-10-30
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Paypal has placed {$660.00} of my funds into a reserve account with no explanation, notice or justification. We have been a client since 2006 with no issues, changes or problems which justify holding our funds. We demand the funds be released to us immediately. 
They have not provided any help or been responsive to our complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-11
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I had gotten a private loan through my school but than the school shut down and the company is forcing me to pay the loan back but I was n't given the education I deserved cause the school closed down so why should I pay it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland credit management is attempting to collect on a debt that is not mine. I have started receiving collection letters from them in XXXX of this year stating they are collecting on the bad debt that they purchased from XXXX bank for the amount of {$2200.00} for account # XXXX however, I never had a XXXX bank credit card or any other XXXX bank accounts ... I have contacted XXXX bank who confirmed there was NO bad or any outstanding debt from my to them. THIS IS AN ILLEGAL COLLECTION AND MIDLAND IS NOT WILLING TO DELETE THIS FROM MY CREDIT REPORT EVEN AFTER I SERVED THEM WITH A LETTER FROM XXXX BANK STATING THERE WAS NEVER A BAD DEBT IN MY NAME WITH THEM!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: CITIBANK, N.A.
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:
I was a with THE HOME DEPOT/CBNA customer since 2017 and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account XXXXXX/XX/XXXX Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

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 2022-10-06
Company: EQUIFAX, INC.
State: IN
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:
Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I have a prepaid card with American Express serve, i was charged on XX/XX/XXXX. {$120.00} from XXXX XXXX  site. I dont have any acct. with them or didnt make any purchase through them. I file a claim to my bank and completed a serve dispute acknowledgement email as they requested and waiting to have a positive response from them. 
I also did make several phone calls to SERVE customer service number to explain the situation and communicate them that also talked to an XXXX Site supervisor over the phone and he confirmed to me that there was not charge or any acct under my namein their system because it doesnt exist. and recomended me to call back my bank and tell them they were willing to share any i formation on their investigation to get this solve. 
After taking to a SERVE Supervisor all this after a few days, he explained me that i will receive a claim acknowled form to be completed as part of the formal claim proccess, that is what I did and on XX/XX/XXXX. i received an email saying that my dispute was declined without any reasonable explanation. 
Simple as that they just decided to decline my dispute. 
At the time I have talked to XXXX supervisor my bank had not yet contacted them and i dont think they did any investigation at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was stolen from for XXXX dollars of my money from a fraudulent online theft through a XXXX money transfer. My bank account was closed and nothing was done to the thieves. They continue to do business with the assailants. While my bank account money was stolen and my bank account closed.

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 2022-10-06
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have an issue with the bank Wells fargo because an account that I have with my son suddenly receive a deposit of XXXX dollars on Saturday XX/XX/XXXX and then immediately withdraw the next day. Then two days after another check for XXXX $ was deposited but rejected due to not having the funds available, as I noticed this problem because I received an email about funds being on hold. I called to ask about this problem since this was something that suddenly happen to the account, I just told that I would be forced to pay the now overdraft amount of XXXX $ because the previous XXXX $ check didnt go through even though either me or my son authorized the deposit. So I went to bank the next day and report that it is most likely a fraud because the check was deposited in a different state and that someone who didnt know was XXXX money, only to be told that if after the investigation they did shows that it was indeed a fraud would the account be cleared and the money that was originally be in the account be returned otherwise they are implying that my son was laundering money and I would have to pay the balance because I am the one who is charge of the account. They say that because apparently the deposit and money through the app with my sons account even though with their words the money was deposited in a different state at that time.

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 2020-04-10
Company: Siggi LLC
State: CO
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 is reporting a duplicate Omni Financial account on my report. The accounts have the same exact account number, same payment history, except one was paid off and closed in XX/XX/2018 and one still has a balance of {$950.00}. I have no open account with Omni Financial. I have called Omni and notified them of the problem, they insist they are reporting it correctly and it is on XXXX  to fix. I disputed it several times in writing with XXXX and they insist that is how Omni is reporting it. Neither are willing to correct it and it is unfairly hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: Experian Information Solutions Inc.
State: CO
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:
Both XXXX and Experian are reporting an account on my credit incorrectly. I have contacted the company from which I had the account ( XXXX XXXX XXXX  Credit Card ) to have it corrected. The company sent me all of the documentation from my account. I disputed the reported information with both agencies twice in writing via certified mail by submitting the documentation from the creditor to have it fixed. All disputes were closed without the correct information added to my report. Both agencies actually did change the information making it worse and are now reporting it in a manner that is hurting my credit score even more. I am trying to purchase a home and this is hurting my score which could impede my ability to buy or cost me more money on my loan.

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 2015-09-10
Company: Direct Capital
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I am submitting this complaint to an unknown collection agency that continues to contact me at my employment and refuses to give information about this supposed debt I owe them. The contact person that continues to harass me is XXXX XXXX XXXX. XXXX XXXX has also went as far as providing this so called debt information to my co-workers in a harassing manner. This is not only wrong but humiliating. I believe that as a tax payer I have the right to file a complaint. If someone can assist me, I will definitely appreciate it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I wrote a letter to XXXX and Experian in an attempt to remove wrong names and addresses from my credit report. This letter was mailed out on XX/XX/21. I have yet to receive a response. When several months passed and still never got a response and submitted a complaint here requesting the CFPB look into this issue, so I could receive so assistance in resolving this matter. I submitted both complaints over the phone on XXXX and here are the complaint numbers : XXXX & XXXX, which have since been closed. I am not sure why these complaints triggered that more information was needed when I verbally verified everything over the phone with the CFPB agent. I simple need XXXX and Experian to correct inaccurate personal information. The grossly inaccurate Names variations and random addresses to houses I have never lived has damaged my credit rating, and hindering my ability to use my credit.

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 2022-05-06
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: Investigation took more than 30 days

Complaint:
on XXXX I sent dispute letters to Experian, XXXX, and XXXX to dispute regarding fraud accounts and inaccurate reporting and its been more than 30 days and they have not showed verified proof or removed accounts thats against the law. 
FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these fraud accounts below must be removed within 4 Business Days of receipt. and they weren't 1.XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 2..XXXX XXXX XXXX 3.  XXXX 4. XXXX inquiry on XX/XX/XXXX 5.XXXX XXXX inquiry XXXX 6.XXXX inquiry on XX/XX/XXXX 7. XXXX XXXX XXXX inquiry on XX/XX/XXXX 8. XXXX XXXX XXXX XXXX on XX/XX/XXXX 9XXXX XXXX XXXX inquiry on XX/XX/XXXX 10XXXX XXXX XXXX inquiry on XX/XX/XXXX 11. XXXX XXXX XXXX on XX/XX/XXXX also they are reporting inaccurate late payments for these accounts below 1. XXXX XXXX : {$4000.00} 2. XXXX Balance : {$10000.00} 3. XXXX Balance:XXXX 4. XXXX Balance : {$4900.00} All 4 XXXX XXXX accounts listed above are reporting late for XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 
5. XXXX XXXX Is reporting 6 late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX CLEAR VIOLATION OF THE LAW! Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. The LAW CLEARLY STATES...

a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates. and also violating law 15 U.S. Code 1681

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 2015-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My accounts are repeated and should not create the appearance that I have XXXX XXXX credit cards & XXXX XXXX XXXX XXXX XXXX are same company I had XXXX accounts and paid in full, closed them out, they should be considered Charge Off, Paid in Full, Satisfactorily, finally, XXXX XXXX no longer has my permission as I have not reapplied for credit, can they give themselves permission to continually do inquiries. I have an claims refund from XXXX Federal Trade Commission winning back my payment refund back, from XXXX XXXX XXXX XXXX, with many aka or XXXX, which has a negative remark on my credit report, now I have proof that they were conducting collections from me, fraudulently.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-06
Company: SYNCHRONY FINANCIAL
State: NV
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 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 open end consumer credit plan as late fr purpose.

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 2019-12-12
Company: Westcreek Financial
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: Navient Solutions, LLC.
State: AK
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:
This is the second time I have filed a complaint. XXXX  was contacted and I received ANOTHER reporrt # XXXX with so called " results ''. They give ZERO explanation as to HOW these disputes are verified. I have sent them on three different occassions ALL the bankruptcy paperwork showing that items have been DISCHARGED 2 years ago and that I am NO LONGER responsible for debt, including NAVIENT and NAVIENT is well aware because they have reported it as such on XXXX  and XXXX  and yet XXXX  CONTINUES to allow this to be reported as an OPEN AND ACTIVE ACCOUNT and THAT is NOT CORRECT. I WANT THIS FIXED! I AM SICK of asking, I am sick and tired of doing my part and sending all the paperwork and being IGNORED!!!! I have done EVERYTHING that you and the FAIR CREDIT REPORTING ACT have said to do and I get NO WHERE! I WANT THIS GONE NOW!!!! I am going to continue to fight this as long as it takes until SOMEONE does SOMETHING to make it RIGHT! PLEASE take this seriously and do not allow a company like XXXX  to get away with report FALSE information. IT IS UNFAIR!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have tried and done everything in my power for PRMG not to continue charging me the PMI since I got to 80 % LTV, I'm now on 72 % and they just turn their eyes away and don't do anything. I understand this is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Maximus Education, LLC dba Aidvantage
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX, I discovered I was eligible for a refund of all payments made to my federal student loans between XX/XX/XXXX and the present. I called Aidvantage that day, requesting a refund of {$10000.00} ( the total of the three payments I had made during the forbearance period ). I was told my request would be processed and I would receive a direct deposit within 4-6 weeks. After not seeing an update, I called XXXX to check on the status of my refund, where I was told my refund request had been approved on XX/XX/XXXX and again would be processed in 4-6 weeks. On XX/XX/XXXX, 5 weeks after my request was approved, I called to check on the status as I had seen no updates. The customer service rep told me my request was put in on XX/XX/XXXX and would take 8 weeks to be deposited. Aidvantage has straight up lied to me about the dates in which my refund request was processed and the timeline for how long it would take, and I have heard of others who have received their refund already despite requesting much later than me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act ( FCRA ) -- XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX have violated my consumer rights. 

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

15 U.S.C. 1681 Sections 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