BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-01
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be corrected immediately. 

The Infractions are as follows : XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/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  Alleging Creditor and Account as is reported as having a late payment my credit report : I am demanding that these accounts be updated to Paid as Agreed and Never Late. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these a mentioned derogatory items be investigated and permanently removed from my report. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. 
Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else UPDATE these items to PAID AS AGREED AND NEVER LATE immediately.

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 2022-11-26
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 XXXX XXXX XXXX  ( Closed with balance of {$740.00} ) 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 2023-10-10
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Called PHH on XX/XX/XXXX confirming receipt of my new homeowners insurance policy that took effect on XX/XX/XXXX. They confirm it has been received and that the new policy purchased by PHH was canceled and that I do not owe them any additional money besides my monthly mortgage. Fast forward to XX/XX/XXXX, I received a letter from PHH stating I owe them {$1300.00} for an escrow account. I have not sure what games they are playing but I do not owe PHH anything extra beyond the monthly mortgage.

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 2022-12-16
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Multiple unauthorized transactions were made with my account. There were transactions in XXXX, Ga, XXXX, Ga, and XXXX, Ga. I live in XXXX, Ga and that is where I was located at the time of these transactions. This is verified by other transactions on these dates posted in my account. 

All Transactions were posted on XX/XX/XXXX XXXX. 
ATM WITHDRAWAL ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ATM ID XXXX Amount : {$300.00} XXXX. 
ATM WITHDRAWAL ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ATM ID XXXX Amount : {$480.00} XXXX. 
PURCHASE WITH CASH BACK ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA Amount : {$21.00} XXXX. 
PURCHASE WITH CASH BACK XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA Amount : {$21.00} XXXX. 
PURCHASE WITH CASH BACK XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA Amount : {$21.00} XXXX. 
PURCHASE WITH CASH BACK XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA Amount : {$21.00} XXXX. 
PURCHASE WITH CASH BACK XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA Amount : {$20.00} XXXX. 
PURCHASE CASH BACK XXXX XXXX XXXX XXXX XXXX GA Amount : {$1.00} XXXX. 
PURCHASE ON XX/XX/XXXX QT XXXX XXXX GA XXXX Amount : {$25.00} XXXX. 
PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX # XXXX XXXX GA XXXX XXXX : {$1.00} Wells Fargo stated that there was no fraud detected by these transactions

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 2023-10-06
Company: CCF Intermediate Holdings LLC
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I have a loan with Speedy Cash, Which it's past due. {$750.00} I receive an email today from XXXX which it seems very catfishy. 
She was threating me and charging a immediately money through email and in my debit card. 

I made several questions. She never answered them. Also, she asked my card information and told me I was gon na be prosecuted and XXXX a XXXX against XXXX, violations and bla bla bla. 
I don't know where it's coming from. She refused to give me more information about which area she work at Speedy cash. 

Talk to speedy cash already and told the situation. Which it's werdr, cuz I just sat a settlement with them and everything was okay. 
I told her about that. She got XXXX. hahaha And release detectives and a warranty. For what? haha I am so confused and I just wan na report this to you guys. 

So. yeah that's all. She never gave her number or provide a number. She asked me my attorney contact her. By email? 
XXXX XXXX are not smarter than me. 

Thank you anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account name : XXXX XXXX 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.
15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Paypal Holdings, Inc
State: MD
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:
InXX/XX/2023 I received items from merchant XXXX that did not match the description on the website. Initially, the company was unwilling to provide a return shipping label to me so I could mail the items back. However, I was provided a shipping label on XX/XX/ and the items were successfully shipped back to the merchant. The dispute with this merchant is STILL in limbo between PAYPAL and PAYPAL CREDIT ( XXXX XXXX  ). XXXX XXXXXXXX XXXX, the dispute was CLOSED on XX/XX/. However, the case is still OPEN in the PAYPAL system and has NOT been reviewed since XXXX. I EMAILED PAYPAL with the CLOSURE LETTER I received from PAYPAL CREDIT ( XXXXXXXX XXXX ) **THREE TIMES** yet the case remained OPENED and UNRESOLVED. I have contacted BOTH PAYPAL and PAYPAL CREDIT and NEITHER company has been helpful. Each representative points the finger at the other and I was left with no resolution. I have been hung up on REPEATEDLY and spent HOURS on hold seeking resolution. I explained to MULTIPLE representatives AND managers that there appears to be a glitch in their systems which is holding up the resolution of the case, but NEITHER company offered assistance to fix this issue and its been ongoing for over 2 MONTHS now. I even asked PAYPAL CREDIT XXXX XXXX XXXX  ) to stay on the phone with me and help facilitate a resolution with PAYPAL. Instead of assisting me with the issue, the representative placed the call BACK IN QUEUE and I had to go through the prompts all over again!! XXXX has already agreed to refund my money ( {$220.00} ) once the case is CLOSED. However, since its still OPEN in the PayPal system, they are unable to move forward with processing the refund. PAYPAL and PAYPAL CREDIT ( XXXX XXXX ) need to get it together and ensure their systems are updated and capable of addressing consumer issues. Im annoyed and dont want to do business with ANY of these companies going forward. Poor leadership, poor processes and poor controls! 

I DO NOT HAVE ANY OF THE ITEMS I PURCHASED AND THE COMPANY HAS YET TO PROVIDE ME WITH A REFUND. This case is STILL open and the PayPal Inc system has NOT been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX  Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code : Individual Individual Individual Account Status : Closed Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XXXX XXXX XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$46000.00} {$46000.00} {$46000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XXXX XXXX XXXX Comments : Closed - Closed or paid account/zero balance Auto Date Last Active : XXXX XXXX XXXX  Date of Last Payment XXXX XXXX XXXX XXXX Two-Year payment history Month 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  OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK XXXX OK OK XXXX OK OK XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK XXXX OK OK XXXX OK OK Equifax OK OK OK XXXX OK OK OK OK OK OK OK OK OK OK XXXX OK XXXX OK OK XXXX O 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than XXXX business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently started an reinvestigation of my credit report with all 3 bureaus ensure that what they were reporting was 100 % accurate. During that reinvestigation, XXXX and XXXX both deleted the account. Transunion was the one outlier that did not properly investigate or take proper actions after the investigation. I have never done business with this entity and this account should be removed immediately pursuant the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-11-24
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXXXXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-24
Company: XOOM CORPORATION
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
XXXX had a link that said to click to learn more. It automatically signed me up with Xoom. I do not want the service and had no chance to confirm the subscription. It automatically signed me up. 

Then, I've sent at least two, possibly three, but two that I can remember, requests for them to delete my account and data as I do not want the service. The first request was almost immediate it and was ignored. The second request they said they would delete my account but not my data. 

Now, I just got an updated privacy policy and my account is still active. 

I don't want this service and was tricked into signing up for it due to their misleading use of hyperlinks. 

Included are the following attachments : 1. first tech support response - showing my first ticket submitted XX/XX/XXXX 2. marketing email on XX/XX/XXXX showing my account still active 3. confirmation of second support ticket 4. confirmation of removing my account 5. refusal to delete my data 6. A privacy policy change indicating my account is still active 7. me putting my email in showing the account still exists, but not logging in I didn't log in on the last one as I don't want to do anything that can be construed as me reactivating the account. 

They are doing this intentionally, and I'm sure they are doing it for many others as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I sometimes help/folks within the XXXXXXXX XXXX to help setup their projects as a side fun activity whenever I have time outside of work. And I have been doing so for the past 3-4 years, from which I have been collecting small payments that I also been reporting on my personal taxes as gains. Other banks that I use for this service are XXXX XXXX and XXXXXXXX XXXX through their XXXX platform. 

On XX/XX/XXXX a man that I have known ( online ) for about a decent 1-2 years, approached me and asked me if I could help him out with his side project that he was working on. After carefully reviewing I gave him a price quote of {$2700.00} < this includes my expenses close to {$2000.00} to help this individual. ( I attached pictures of our conversations ) He agreed and asked me if he could simply just XXXX the full {$2700.00}, in which I agreed. But he made up some excuse and asked me to only send {$980.00} form his personal account because he reached his daily limit ( picture attached - XXXX XXXX XXXXXXXX XXXX ) XXXX he then asked if he could send the rest of the payment from his girlfriends XXXX  account which was {$1700.00} ( XXXX XXXX ) The next day I wake up to an email stating that my account was restricted and would need to call you guys for support and resolve this issue. I run through with the rep and explain everything to him, the first thing that comes out of his mouth is that what I'm doing as a service is against TOS of XXXX because I'm operating a business. In which I'm not, I do this for fun and my profit is just my labor as my expenses to help the individual is subnational and close to 85 % of the total payment. Nevertheless, I have been accepting payments for such gig since early XXXX from banks like XXXX and XXXX XXXX and they have never complained to me once nor have I caused any XXXX related problems. 

The user issued a merchandize scam with their bank which is clearly XXXX, I have never met the individual in person, I live in XXXX and have not been out of state since early XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I previously contacted XXXX XXXX about them sending me information on the XXXX XXXXXXXX XXXX but they have not be very helpful. I submitted a complaint with CFPB and they went on my experian credit report to duplicate the XXXX XXXXXXXX account on my credit report. they are duplicating the same account on my credit report twice

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 2022-11-24
Company: U.S. BANCORP
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: Account status incorrect

Complaint:
I have a late payment that I have been able to finnaly get reversed after two years of asking for them to reverse when it's my only late payment in 5 years and now for the last year I've been requesting it to be take. Off my credit report and it's still there which has caused loss of potential houses and loans

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 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Congress has established laws to combat aggressive collection methods and practices. But, the credit agencies XXXX, XXXX, and TransUnion are ignoring the laws that I am providing today. 1692 ( a ), ( b ), ( c ), and ( d ) ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, marital instability, the loss of jobs, and to invasions of individual privacy. 
( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers. 
( c ) Available non-abusive collection method This means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts. 
( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce

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