BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Back on XXXX XXXX I sent letters to all three bureaus challenging information on my credit report that did not belong to me. I called each bureau in XXXX. I can remember the exact day and stated that it has been over 30 days and I haven't heard anything about my disputes. Each bureau told me that do to covid that they have 45 to 60 days. Due to the holidays it slipped my mind that had still not heard anything back about my disputes. I seek out legal advise and was told that I should submit a complaint with the CFPB and that if this did not resolved issue. I explained to attorney that the stuff that was on my report was not stuff authorized or belonging to me and that I'm known victim of Identity theft. Everytime it's time for me to renew my permit in the field of work I do I have to jump through loops to prove who I am. I need the items I'm challenging remove asap.

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 2023-09-24
Company: FIRST ADVANTAGE CORPORATION
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I want to see if a user of consumer reports or a furnished of information to a consumer reporting agency violates the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Experian Information Solutions Inc.
State: NC
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 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 non-monetary relief
Consumer complaint received 2018-09-11
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX I applied for and received a XXXX XXXXXXXX XXXX  Credit Card with the understanding that I would start payment in 6 months but billing started immediately. I tried unsuccessfully to change the terms with XXXX XXXX XXXX   based on what I felt was a BAIT & SWITCH Scheme. XXXX XXXXXXXX XXXX did not agree but they stopped billing me. The item was placed in collections and has since been on my credit report. AT THAT TIME I WAS UNAWARE THAT IT COULD HAVE BEEN DISPUTED. I eventually disputed it in XXXX and was informed that it would be in XX/XX/XXXX but XXXX XXXXXXXX XXXX sold the account to XXXX XXXX and created what appears to be a recent collections item. XXXX XXXX has placed the item on my credit report, significantly reducing my credit score by 26 points for a debt that is over 7 years old and one that they have not yet billed me for. I have disputed the matter with XXXX and XXXX XXXX and they both confirmed that the debt would be removed in XXXX but I believe because of the mitigating circumstances, it should be removed immediately. Thank you for your consideration in helping me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: John C. Heath, Attorney at Law, PLLC
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Between XX/XX/2018-XX/XX/2018 I wanted to work with Lexington Law customer service to get some assistance with getting my credit repaired. They asked me to pay {$99.00} per month, but I told them I could not afford that fee, so they decided to give me the special low rate at that time of {$45.00}, so I could start the process. I took the special low rate of {$45.00} and then I told them I would be able to start the process by the following month, not this month, due to the fact I don't get paid until the following month. Then Lexington Law customer service agreed and I asked them when will I be able to start the process of my credit repair program. Lexington Law customer  service told me that I would not be able to start because they don't want to wait another month to start the fees associated with starting to do the credit repair. But I told them we already agreed and you told me to sign the contract to start the process, so I could start paying the following month to do my credit repair. All Lexington Law customer service told me is that we are sorry, but we can not help you with your credit repair. I said you XXXX XXXX you lied! You are real XXXX! You told me I would be able to start my credit repair in XX/XX/XXXX, but then you contradicted yourself and told me that we can not start on the following month and we agreed upon it by a contract to start the credit repair program. Anyway, Lexington Law customer service told me to find some other company to help me with my credit repair issues and have a nice day! I told them I will never forget your company wronged me! I am going to report you for lying to me about giving me a special low rate of {$45.00}, lying to me that we could start on XX/XX/XXXX, then Lexington Law customer service renigged on the contract that I signed stating that I would be able to start my credit repair program with this company in XX/XX/XXXX. Also, I was told on XX/XX/XXXX, that Lexington Law credit repair company blocked me to do any other credit repair by their company! I told the customer service agent at that time I will report you! Also, I will report that you took money from my significant other as well in the following month and never did his credit repair at all. You told him you do not want to do his credit repair either! The name of my significant other is XXXX XXXX. Please help me find a resolution to not allow this company to not ever do a credit repair for anybody else, because they renigged on my contract to do a credit repair, lied about offering a special low rate of {$45.00}, lied about starting the following month for a credit repair and defrauded another customer by taking money from him and never offered any credit repair services..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: Kriya Capital, LLC
State: FL
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 got many harassing phone calls from this company which I assume is a scam. After doing much research I see that they gained access to XXXX XXXX, XXXX XXXX XXXX customers information who have small amounts owed ( which have not been sent to collections ), along with the customers personal information, addresses and phone numbers- so they call these customers ( like they did to me ) and they say weird things. They wouldn't even tell me who they were they only said " I am calling about a personal business matter ''. First of all.. why wouldn't you just tell me who was calling and what company you work for instead of being so sketchy. He threatened me and told me that If I did not pay him while we were on the phone that my credit would be damaged forever and I would be drained of all my funds. I asked him for detailed information about what I owed and multiples times he kept insisting I pay him and that he will explain in detail after. First of all-no. This made me so angry! I told him I would check into his " company '' and that I did not feel comfortable paying over the phone. So you know what he did next!? He said ok I will give you my website but you HAVE to stay on the phone with me because if you do not pay correctly your funds will be drained and you will ruin your credit. I had had enough at this point. He then tried to convince me that I could pay over the phone with him and it would be " much easier '' and that I didn't even have to give him any credit card information, he just needed my authorization via recording MY VOICE! I was so upset at this point. Not only was I under the impression that this guy already had my card info- he just wanted my verbal " OK '' so that he could take my money. This is just completely unacceptable. He was foreign too. XXXX XXXX has never once sent me a notice saying I owed a balance and so I told this man I wanted to check with XXXX XXXX first. I ended up hanging up on him. I am so sick of this. By the way- If anyone calls you and you finally get them to reveal what " debt collection company '' they are working for and they say it is credencerm ... please call your original TV provider first and verify. These people were extremely rude and threatening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting this complaint to bring attention to the severe inaccuracies present on my credit reports related to XXXX  XXXX account. Specifically, I am disputing the inaccurate dates associated with XXXX  XXXX account XXXX. These discrepancies involve the last active date, last reported date, and date opened for both accounts. 
- The inaccuracies in the dates reported by the credit bureaus, namely Experian, XXXX and XXXX, have led to a severe and detrimental impact on my creditworthiness. 
- The reported inaccuracies represent clear violations of the Fair Credit Reporting Act ( FCRA ) in the following ways : - FCRA Section 1681s-2 ( b ) : This section mandates that furnishers of credit information provide accurate and complete information to credit reporting agencies. The discrepancies in the dates associated with the XXXX account are a breach of this obligation. 
- FCRA Section 1681i ( a ) : This section requires credit reporting agencies to conduct reasonable investigations when a consumer disputes the accuracy of information on their credit report. The inconsistent and incorrect dates are evidence of a failure to conduct such an investigation.

- FCRA Section 1681e : This section stipulates that credit reporting agencies must maintain reasonable procedures to ensure the accuracy of the information in a consumer 's credit report. The discrepancies in dates on my report indicate a failure to meet this requirement. 
- These legal violations have not only compromised the integrity of my credit reports but also infringed upon my rights as a consumer. The inaccuracies have adversely affected my creditworthiness and financial standing, making it challenging to access credit and financial services.

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 2022-11-17
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:
XXXX, Equifax, XXXX, XXXX XXXX has disclosed my personal information without my verbal or written consent. XXXX XXXX has closed my account without written or verbal consent on a account that was current, recently at the time had gotten a credit increase and was not notified of account being closed until after they closed my account. XXXX XXXX, XXXX XXXX XXXX has lowered my credit limit due to what has been reported by another creditor which I have not given them verbal nor written to lower my credit limit. This is causing great harm and hardship to myself and family. To the creditor reporting agencies, I have sent dispute letters and advising them of fraud and Identity theft. My credit score has gone from XXXX down to XXXX!! All due to Fraud and Identity Theft. I have contacted XXXX XXXX on the phone and sent them a letter of dispute stating fraud and identity theft certified in XX/XX/2022. I called XXXX XXXX on phone after the app advised me, I was limited on credit, and they advised that my limit was decreased due what was disclosed from another creditor. I advised them verbally that that they did not receive anything from myself requesting a decrease verbally or written and that was identity fraud. This is against my privacy and information that has been report is inaccurate. I have contacted the IRS.GOV and gotten a 9-digit pin as well as put in an Identity theft with FTC.GOV

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: NC
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:
This company, XXXX XXXX XXXX was to ONLY given permission to do a soft pull on my credit report as they ONLY ASKED for the last 4 of my social security number. This isthe only reason I did this, if I was informed it was a hard pull I would NEVER have done this. I want this hard inquiry immediatelyremoved from my Equifax report. This is a violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent a letter to remove these personal information that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these personal information not later than 4 business days. 
XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX  XXXX XXXX Date Updated : XX/XX/XXXX ; XXXX  XXXX XXXX XXXX Date Updated : XX/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 2019-06-12
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In XX/XX/2017, I was contacted by XXXX XXXX to consolidate my student loans. I was informed that this consolidation would not impact my Chapter XXXX bankruptcy. Unfortunately, the representative did not know what he was talking about and it definitely affected by Chapter XXXX status. I was immediately put into repayment status. However, when I contacted them to explain the mistake, they admitted that I was misinformed and stated they were unable to provide me any assistance since it was too late to reverse the consolidation. I was furious, but felt my hands were tied. Then, I attempted to contact them again to begin making repayments under the income-based plan. I was again informed that they made a mistake and consolidated my student loans with a small Parent PLUS loan taken on behalf of my daughter. Again, there was nothing they could do but offer me further forbearances. I am never going to pay back my loans as a XXXX XXXX XXXX  without additional assistance. My loans are doubling with interest and no one is taking responsibility for their mistakes. I have attempted to work this out with the lender but they are not willing or able to correct this outrageous grievance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Applied Chase British Airways Visa Card on XX/XX/2020, got a letter in the account the next morning saying credit card request was denied stating had too many non mortgage or auto loans. I have only one personal loan other than mortgage account which is paid off in another 20 months with on time. Do not have any other payments and everything is paid off. My credit score is in excellent category with  score over 790 for all the bureau 's. 
I called chase and spoke with a credit analyst and stated all these points and explained, credit analyst reconsidered and approved credit cards. However, the interest listed on the application was 15.99 - 22.99 and credit analyst approved me with 22.99 INTEREST RATE which essentially says that I have the worst credit rating possible, which is definitely not the case based on my credit history or score. My income is also rather high. 
when called, lending department from chase said that they do not have to explain why the interest is so high. 

I do have another credit card with the same company which has XXXX credit limit with 15.99 interest and when it was approved, I had the way less score than I have now and definite lesser income and less than perfect credit history. 

Tried to call them multiple times and even asked to speak with Fair Credit lending department with in chase to complain to which I was hung up upon and rude customer service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-10
Company: Eagle Accounts Group, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Since XXXX The child support collection agency has been illegally taking money from me pay check. I have filed numerous motions in court and also sent the agency notarized letters requesting proof of this debt. so far the child support agency has taken XXXX dollars from me and have no proving that I owe them any money. I have visited there office and they basically didn't want to help me. This agency is a fraud they are using the social security number that I have been authorized to use and I have never giving them permission to use it. In fact they continue to track my work by use of this number which is a felony. they are reporting to the credit agency.

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 2021-05-19
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid an annual fee in full of {$450.00} and the company decided to close my account during the year. Nowhere in the card member agreement does it state that I am not entitled to a pro-rated refund of the annual fee. The company needs to refund partially my annual fee payment. When you pay for an annual service and the company stops providing the service during the year, it is not right ( and arguably not legal ) to keep the entire fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting this complaint to bring attention to the severe inaccuracies present on my credit reports related to XXXX account. Specifically, I am disputing the inaccurate dates associated with XXXX account XXXX. These discrepancies involve the last active date, last reported date, and date opened for both accounts. 
- The inaccuracies in the dates reported by the credit bureaus, namely Experian and XXXX, have led to a severe and detrimental impact on my creditworthiness. 
- The reported inaccuracies represent clear violations of the Fair Credit Reporting Act ( FCRA ) in the following ways : - FCRA Section 1681s-2 ( b ) : This section mandates that furnishers of credit information provide accurate and complete information to credit reporting agencies. The discrepancies in the dates associated with the XXXX accounts are a breach of this obligation. 
- FCRA Section 1681i ( a ) : This section requires credit reporting agencies to conduct reasonable investigations when a consumer disputes the accuracy of information on their credit report. The inconsistent and incorrect dates are evidence of a failure to conduct such an investigation. 
- FCRA Section 1681e : This section stipulates that credit reporting agencies must maintain reasonable procedures to ensure the accuracy of the information in a consumer 's credit report. The discrepancies in dates on my report indicate a failure to meet this requirement. 
- These legal violations have not only compromised the integrity of my credit reports but also infringed upon my rights as a consumer. The inaccuracies have adversely affected my creditworthiness and financial standing, making it challenging to access credit and financial services.

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 2023-03-04
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal won't let me withdrawal my money. On XX/XX/XXXX, I received an email from PayPal stating that my account had been permanently limited and that I could no longer use PayPal. I had no idea why this would happen ; So I called them. It turns out they don't know either. I have emailed and called multiple times. They don't respond to emails and on calls they can't even tell me why my account has been limited. I can not withdraw my funds. I need the money. Please help. Thanks, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-23
Company: WLCC
State: CA
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:
ON XX/XX/2018 I received an email from my HR of a voluntary wage garnishment from XXXX XXXX- I have no loans or ever had business with this company. I have had identity theft in the past and have filled police reports and FTC affidavits proving my case. 


In the wage assessment sent to my employer, they claim I signed a contract online and that's all they needed to collect on this debt. 

The demand letter was sent by XXXX XXXX who is not licensed in the state of Washington.

Company response to consumer: Closed with explanation