BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-12
Company: National Credit Systems,Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I offered to make a payment and try to settle with the company to have this collection deleted from my credit report XXXX XXXX by mail. A week after sending the letter national credit systems contacted me and threatened to sue me and ruin my credit. A few days following an attorney from XXXX XXXX office called repeatedly and left several voicemails telling me good luck in court. I could never contact anyone back at the law firm. I would like for this to end and this collection to be deleted or settle for the amount I initially asked, delete from my credit report, and do not ever contact me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I contacted experian credit bureau three times after I found so many addresses don't belong to me and incorrect names among my correct name and correct address and I asked them to remove the incorrect one 's it has been 9 days and they did not correct it yet

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 2023-05-03
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: Account information incorrect

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 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, these has violated my rights. 
15 U.S.C 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. 1681 s-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 explanation
Consumer complaint received 2015-10-23
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My loan was originally with XXXX XXXX XXXX and was transferred to XXXX then recently to SLS. Once I received the notification that the loan was transferred once again, I immediately requested a loan modification package and sent in all my documentation a few weeks before the foreclosure sale. I was then contacted by SLS informing me that one page was missing an initial so I immediately faxed it over the same day. When I called to follow up the following day, I was informed from a Customer service representative that it was too late and that I would not be reviewed for a loan modification due to it being too close to the sale date. If this was the case, why did they accept the documents just a few days before instead of telling me it was too late then so I could have sought other options. I understand I am behind and am trying to do everything I can to make my payments again and get some type of foreclosure avoidance but it seems no one wants to assist me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Experian Information Solutions Inc.
State: VA
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:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2023-10-26
Company: Experian Information Solutions Inc.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-14
Company: Netspend Corporation
State: NY
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I have had a Netspend account, which my direct deposit payroll goes into. XXXX day out of no where my account balance was XXXX, all my pay/funds GONE and stated for account recovery. I had NO warning/notice, Nothing. I called Netspend and they would not return the funds, Told me it was taken for accounts ( I could NOT verify due to them being years ago, and not even knowing what accounts/cards they were ). However they stated my social was linked to previous Netspend cards with negative balance so they were taking my money from my current account ( Which is not only MY account, it is my fiancs as well and they just took all the money in the account ). Refused to refund/unlock my account, and told me any further funds into the account would also be taken until the ( UNABLE TO TELL ME amount for XXXX or more old previous accounts was paid off ). I have received nothing at all from NetSpend in regards to paying these accounts/debt, and do not believe they can just take my funds like that and not let me dispute it, Not return my funds, and also lock my account until they get all the money back they want. My kids have suffered due to this XXXX, and I will NEVER use NetSpend again nor recommend them to anyone. And they should have to give my funds back that they with NO notice/NO rights took my money for recovery, and then told me my card/account would remain blocked until further funds were taken to obtain my debt to them on a prepaid card, and knowing nothing of this to my knowledge.

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 2023-05-08
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Team, I am writing to appeal the suspension of my PayPal account, which was banned immediately after I registered for it. As a first-time user of the service, I am confused and concerned about the reason for this suspension. I have not had the opportunity to engage in any activity on my account, and I am not aware of any policy violations or suspicious behavior that would justify this decision. 

I would like to request that my account be reinstated and that you provide me with an explanation for the suspension. As a new user of your service, I was looking forward to exploring the benefits of PayPal and using it for my transactions. This sudden suspension has caused me great inconvenience and has left me with a negative impression of the service. 

I kindly ask that you review my account and provide me with a clear explanation of the suspension. I am eager to resolve this issue and continue using PayPal in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Block, Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Between XX/XX/XXXX - XXXX, 2022, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX, XXXX USD from my CashApp account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: EQUIFAX, INC.
State: GA
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  Acct # 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 response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: SYNCHRONY FINANCIAL
State: OK
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:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : SYNCB | XX/XX/XXXX XXXX/XXXX | XX/XX/XXXX XXXX/XXXX  | XX/XX/XXXX XXXX  XXXX/XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX  | XX/XX/XXXX XXXX XXXX  XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX  XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX  | XX/XX/XXXX XXXX  XXXX XXXX  | XX/XX/XXXX XXXX  XXXX  XXXX | XX/XX/XXXX These are illegal 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 non-monetary relief
Consumer complaint received 2023-09-14
Company: Sezzle Inc.
State: IL
Product: Credit reporting 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 XXXXXXXX, 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 an open end consumer credit plan as late for a XXXX purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: CITIBANK, N.A.
State: TX
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 updated my auto-payment method in XXXX and it didn't ever switch for whatever reason. Then, when the XXXX  thing obviously didn't go through, I spoke with someone and was trying to explain that my account needed to be switched because the payment method I chose wasn't the one that it was trying to take the pay emend from. So the payment was returned again because the account was invalid. I've been trying to explain this to the people at Citi and even filed a previous complaint. No one is listening to what the error was. I actually spent a couple of hours on the phone with a supervisor in XXXX and he thought it was really odd as well. He looked into it and " found the problem '' and linked my account AGAIN and then auto pay has been fine ever since. They even refunded the charges on my end due to the error having not been on my side. However, this month ... in XXXX, they slashed my limit in half, because of this missed payment debacle. Due to this, my credit score is adversely affected because now this card is " maxed out ''. No one actually listens at this bank. I want my limit restored. I even got a letter from Citi today, XX/XX/2020 in regard to this- and the letter states that the error was on my end. When it's been established that it was not, I updated my accounts in the app and it STILL used an old linked account, hence the " insufficient funds '' and " invalid account number ''. 

I'm not saying it was a bank error, specifically. But, it is DEFINITELY an app error, and of course the app belongs to Citi. Thus, this is a banking error. I have another card on Citi that was set up the exact same way and had zero issues with it. I've never had a returned payment in my life. This is atrocious and the customer service at this company is out of control. This company has lost all integrity in my eyes and the eyes of many others who have attempted to get help and received nothing. No ones even called me back. I just received a letter. It's pretty pathetic.

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 2023-01-24
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-24
Company: EQUIFAX, INC.
State: PA
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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: PA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$120.00} ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XXXX Bank of America denied me for a auto loan that they got compensation for by using my credit card that arose from a consumer credit transaction. 

There is no law saying they can deny me my own credit. I am the original creditor and have all the power. 

And they reported a consumer credit transaction that arose from my credit card. This is a violation of FCRA 15 U.S. Code 1681a - Definitions ; rules of construction.

Bank of America is violating FCRA by providing information on my consumer report. 

Below are the following things that should be excluded from my consumer report.

( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Bank of America is also in violation of 15 usc 1682b ( 2 ) Bank of America is also in violation of FCRA for denying me credit. Adverse Action does not say anything about denial of credit. I am the original creditor. What law is Bank of America using to allegedly deny me credit. 

Bank of America has ill will and has a desire to harm me. I have a open end credit plan. Bank of America is being deceitful, fraudulent, hostile. Because they got what they wanted out of me. I only came for a consumer credit transaction. 

Bank of America is acting adverse towards me. Because I am administering and extending myself my own credit. 

This arose from a consumer credit transaction from my credit card.

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 2023-01-24
Company: EQUIFAX, INC.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of 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 XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2015-10-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
For all intents and purposes, the following will be referred to as " The Creditor '' herein : Chase Card ServicesXXXX XXXX XXXX, DE XXXX creditor has disregarded FCBA and concerning Consumer Protection Laws multiple times in the last 2 weeks. 

Below is a brief list of the Federal and State violations : *charge for goods that were n't delivered as agreed. 
*failure to post credit, while the investigation is pending. 
*charge for which an explanation along with a request for clarification is needed. 

Charge of {$26.00} with " XXXX XXXX XXXX '' was disputed with the merchant since the merchant started closing the food station within 10 minutes of seating us and told us that we had to leave soon. Since we were not provided enough time for the goods, we requested a dispute to which they refused. 

The charge was then disputed with Chase but the creditor refused to investigate/provide temporary credit/comply with FCBA, even though it was told that the charge is inaccurate because the the service/goods were not delivered. The merchant failed to present proof of its investigation and the specific reasons for it 's decision. 

I request that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement along with the record/corrective course of action adopted by Chase & CFPB to address similar violations with other consumers in order to avoid further scrutiny of the same by a private legal counsel and concerning agencies : Attorney General, Federal Reserve Board etc. 

Enclosed is a copy of letter by Chase.

Company response to consumer: Closed with monetary relief