BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-21
Company: CAINE & WEINER COMPANY, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
pleasse delete this for my account XXXX XXXX {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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:
There was a hard inquiry on my credit report that I didnt recognize. Disputed with Experian as well as XXXX. Inquiry is being reviewed by Experian and XXXX is in the process of canceling the inquiry as well.

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 2023-06-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX, Experian and XXXX all protect the business not the consumer, nor do they educate the consumer on the fake fico score the report to the councumors. What ever credit report should be notified to the consumer so they know the false derogatory statements presented buy fico and the three agencies. My complaint is against revamping the three credit reports to show true time fico scores others get not a feel good worthless score that does nothing for the customer. Under the privacy information act we are entitled to information you share with other companies as to the tack report you provide the cunsumer.

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 2022-02-22
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On Saturday XX/XX/22 I contacted XXXX over the phone they said I would receive a call back. I was then contacted by a scammer who claimed they were calling from XXXX. The person over the phone promoted me to download an app so they could help me with the issue I was calling about. After I downloaded the app the caller proceeded to hack my venmo account and send {$300.00} to themselves. Then they hung up before I even realized what was happening. I immediately deleted the app and change all my passwords. I was so shocked I realized I had been hacked/scammed. So I immediately contacted venmo and my bank and filed the dispute. I was told by venmo that I authorized the transaction so there is nothing they can do. This is ridiculous because I definitely did not authorize the transaction and I did not receive anything from that transaction

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
State: TN
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 bought a house last year. There is supposed to be a 45-day grace period so that I can shop for different mortgages. All three credit bureaus are instead counting these as individual inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: National Collection Systems, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To Whom This May Concern, I have written multiple letters for verification of this debt requesting a copy of ; Agreement from the client that authorizes National Credit Management to collect on this alleged debt, An agreement reflecting my signature that confirms my acceptance of obligation, & A full and clear explanation of how you calculated the debt. 

I have also reached out to the Credit Beaus for assistance and I have yet to receive the requested forms of verification regarding this debt. Upon personally investigating this company. National Credit Management at location XXXX XXXX XXXX XXXX. XXXX XXXX, Mo XXXX is NOT registered with the Secretary of State of Collect in the State of Texas. This is a requirement to collect ANY debt in the state of Texas. Company can not provide requested documents for verification. please delete

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: SYNCHRONY FINANCIAL
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I saw that CFPB is focusing on people with medical credit cards being taken advantage of. I feel I am one of these people. I have never been late nor am I having any trouble making my payments. One reason I feel Syncb/Care Credit is the worse. I have been paying this payment on time every month yet they are reporting on my XXXX credit file as being 110 % usage. Which is damaging my credit score. I have attached part of my credit report so it is evident I am upholding my part yet they hit me with such an interest rate it took me over the limit after the grace period. I feel like this is a sneaky business practice and you would need to pay off this loan before the end of the grace period, which they do not explain or address. I even paid a lump to get under the limit but the interest is so high it didn't move the needle hardly at all. At the very least medical credit cards should not have a usage. My procedure was semi voluntary, however ; many people use medical cards and loans for procedures they must have.

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 2022-11-15
Company: MIDFIRST BANK
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I applied for assistance with my lender. I was informed that my payments would not show as late on my credit report if I applied and got approved for the assistance. XXXX I add that I have never been late on my loan. They approved my assistance. I was told by a representative the month of XXXX that as long as I made the full payment by the end of the month it wouldn't be reported late. It is not reported late till after 30 days of not making the full payment. I paid it in 22 days. I paid the full amount by the XXXX of XXXX. They reported it late on my credit report. The representative when I called stated that they where going to put in a request to get it fixed. They stated they declined my request due to me paying late. So the representative was misleading in the Mortgage Assistance hotline. I did everything they told me to do. Now they are back tracking on what they said that their policy was. I submitted emails of the credit reporting agency 's that reported it late to the lender so they could fix it on XX/XX/22.

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 2023-03-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was advised that a server had delivered court documents for a lawsuit to my mailing address in the beginning of XX/XX/2023. 
I am not married, so an open/ unsealed document being delivered to a third party violates 1006.6 ( d ) ( 1 ).

The receipt of the court documents was the first contact received from Portfolio Recovery Associates LLC in this matter.

As there had not been any calls or mail received regarding this manner, and Portfolio Recovery Associates has reported this matter to XXXX and XXXX ( shows last date reported was XXXX ), they also appear to have violated 1006.30 ( a ) ( 1 ) ( i ) ( ii ).

Portfolio Recovery Associates LLC has not validated the debt, and failing to do so have violated 1006.34

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hello, this complaint is because I tried to work it out with the bureaus, and they are still not complying. I requested a debt validation letter from Experian and the agency reporting these false misleading inaccurate accounts XXXX XXXX XXXX XXXX and XXXX ) nothing has been done to try and correct their inaccurate reporting. I specifically want them to send the application or contract used to open these accounts bearing my signature because that is my right as a consumer. I sent letters to Experian the XX/XX/2022 and we are in XXXX the XXXX, and nothing has been done and I have not heard from Experian, XXXX or XXXX XXXX XXXXXXXX yet regarding this matter which makes me assume they can't validate this debt which is supposed to be removed. The only thing I received from XXXX was a letter saying they updated my accounts. These creditors are reporting without my consent

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 2023-03-21
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
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:
I am writing to inform you that I have discovered inaccuracies on my consumer file maintained by your institution, and I am concerned that you are not in compliance with the Fair Credit Reporting Act ( FCRA ) provisions. 

As defined in 15 U.S. Code 1681a, the term " consumer report '' means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living, which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer 's eligibility for credit or insurance to be used primarily for personal, family, or household purposes, employment, or any other purpose authorized under section 1681b of this title.

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: RI
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I keep getting both XXXX  and XXXX  weekly from USBank saying that XXXX XXXX tried to charge my account and it was declined. 
I have never had a XXXX XXXXt, and USBANK was the ones who illegally and unethically terminated my Bank Account XXXX  years ago because my wife followed their directions to the letter causing my credit to tank, and almost starving us to death, which made the pandemic a living XXXX for us, of which we have yet to recover and in fact are now going to need to declare bankruptcy. 
Ive told USBANK this is fraud XXXX  times with out responses. Not surprising because of their horrible ethics.

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 2023-02-19
Company: Experian Information Solutions Inc.
State: MS
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:
Last 4  of SSN:XXXX  RE : Account Number I received notice that you verified certain items on my credit report from the following companies : 1. XXXX XXXX  XXXX 2. XXXX XXXX 3. XXXX  XXXX XXXX 4. XXXX XXXX  XXXX Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 
Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it?

Supply your response within 15 days or delete the trade-lines.

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 2022-11-15
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX ; Past Due {$160.00} Ive contacted the company about reporting these late payments. This is fraudulent and ILLEGAL. 

XXXX ; Past Due Collections account, I have reported this inaccuarte account. This is ILLEGAL to report per US Codes listed below XXXX ; Past Due {$730.00} Collections account. I hace reported this FRAUDULENT account. This is ILLEGAL to report per US Codes listed below, XXXX ; Past Due {$2900.00} Collections account. I have reported this account and it is FRAUDLENT and being reported ILLEGALLY per US CODES listed below XXXX XXXX ; Past Due {$250.00} Collections account. I have contacted them and this account is fraudulent and being reported illegally per US Code listed below XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Past Due {$1400.00} Collections account. This is a fraudulent account XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) Fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I never received items I purchased online. Merchant is unresponsive, order has never been shipped out. 

I placed an order on XXXX on XX/XX/2022 for XXXX XXXX XXXX  for a total of {$64.00}. After not receiving an order confirmation emailed, I emailed the merchant on their support email provided on their website. I got an automated unable to deliver email because the email they provided was fake. 

I waited and opened a dispute with my credit card company, Citi, on XX/XX/2022. On XX/XX/2022, the merchant replied to the credit card company with ONLY a receipt of my payment. They have never provided proof of shipment or delivery of the items I purchased. Even with this evidence, the credit card company, Citi, has sided with the merchant and closed my dispute. 

I have provided them with evidence I never received my items, the merchant provided a fake email address, the merchant never shipped out the goods, and my order is only showing as " processing '' on this day, XX/XX/2022. 

After some internet investigation, I have found this website to be FAKE! Many people have been scammed in the same fashion as me. They placed an order, made the payment, and never received the goods. This merchant website is XXXX but they operate under names such as " XXXX  '' and " XXXX XXXX. I have also provided evidence of this website engaging in scams in pictures I have attached. It is a link : XXXX XXXX XXXX  and the comments below the post is where everyone has been scammed like me. 

It is not fair that I found this website on XXXX, made a purchase, never received the goods, to dispute it with the Credit card company and they sided with the merchant even though the merchant had no evidence of shipment.

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 monetary relief
Consumer complaint received 2022-08-09
Company: Chime Financial Inc
State: VT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I downloaded the chime app and attached my bank because my daughter was excited about the app. I assumed it was an investment app but waited for her to guide me to encourage her but after two weeks my personal bank account seemed off so I started going through transactions and chime had charged me {$300.00} the first week and {$100.00} the second week. I called them and closed my account and disconnected my bank and then called my bank to let them know what was going on. I waited 5 days like they said to get my money back but it only took two, the five days ended on a Friday and on Monday I went to delete the app to find it was fully open and my bank account was still attached plus there was another {$300.00} on the chime account. I called them and asked them where the option to turn off automatic deposits was because I never authorized them in the first place and the woman on the phone said she had to download the information and about 3 or 4 minutes into waiting she hung up on me so I called back and again asked how to turn off their automatic deposits, this was after I went through every option and setting on the chime app twice and there was no option for me to stop it. I got hung up on mid sentence this time. I transferred the {$300.00} back to my regular bank account and called back again and asked to talk to a manager and while on hold another {$300.00} was transferred out of my regular bank account to chime only 15 hours after the last {$300.00} was taken. The manager got on the phone and said I have to call my bank and that it was my bank sending them money and authorizing the amount and they had no control over what my bank does. As an adult with a XXXX XXXX who has had many bank accounts, I knew that wasnt true but I did hang up and call my bank who obviously said they werent authorizing the transfers. We put a stop payment on future transfers but chime blocked my account during that time so now XXXX cant dispute the or transfer the most recent {$300.00} that they are holding. They were extremely rude on the phone as well. My bank asked me to close down my chime account which I tried to do but was blocked from doing that as well. Im not sure what is going to happen from here but what I do know is that chime is a scam and that everyone should stay far far away from them. I just read all of their terms and they are using the excuse that the transfers are electronic communications I am attaching documents as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: MT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Credit cards and cell phone companies are not mailing me bills. If I do not get the bill in the mail then how am I supposed to pay it. My XXXX  may be stealing me mail also. My phone was ripped off and XXXX mobile continues to bill me. I thought I could just get a different phone and put a sim card in it. The XXXX XXXX  at XXXX  XXXX in XXXX said I was an XXXX so I went to XXXX and got a XXXX XXXX XXXX phone. Also, Straight talk wireless would not refund my prepaid amount even though I had insurance and submitted a broken phone to XXXX. XXXX in XXXX would not help. They just let you use their phone to call XXXX XXXX. They do not speak XXXX and hung up on me numerous times. Finally I just mailed the phone to XXXX because XXXX was so rude. I also dropped XXXX phones in the photo box at XXXX as no one was working or helping me. Also the people trying to help did not know anything about phones. XXXX should just stop selling Straight Talk phones if they do not help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation