BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-19
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: Was not notified of investigation status or results

Complaint:
I have been in constant communication with Experian, XXXX and XXXX for many years attempting to resolve the incorrect information on my credit report that includes incorrect personal information, incorrect payment history ( late payments ) and collection accounts that I have no knowledge of and have never done business with the companies listed. I have submitted countless number of disputes ranging from XXXX - XXXX via USPS certified mail showing the delivery of all packages. With each category ( i.e. incorrect personal information, incorrect payment history, etc ) a seperate mailng was sent. Please see the below tracking numbers with noted delivery dates. 

Experian Proof of Delivery : XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX Proof of Delivery : XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX Proof of Delivery : XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX Experian, XXXX and XXXX has yet to provide an update to incorrect information or proof that the collection/charge offs belong to me.

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 2023-04-19
Company: JPMORGAN CHASE & CO.
State: NJ
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 placed order XXXX with XXXX on XX/XX/2023 for XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I was provided with tracking number XXXX, and a package was delivered on XX/XX/2023. The package, as confirmed by XXXX, weighed XXXX pounds and was the incorrect shape. Looking on XXXX own website, XXXX weighs XXXX pounds. When I opened the package, I found that XXXX sent me a dual monitor mount instead of what I ordered. I contacted XXXX via their chat feature on their website and was told to bring the item into the store. I told the person I was chatting with that I did not want to have to argue with the store when I got there, and that the store would not understand the scenario. I was assured that would not happen. On XX/XX/2023 I drove over an hour away to a XXXX store at XXXX XXXX XXXX XXXX, XXXX, NY XXXX, paying numerous expensive tolls to get there, and was immediately told that the store was not aware of the scenario and they could not help me. They refused to take their item, and refused to give me a refund. 

At this point I involved Chase and was told to file a dispute. I did so, and Chase on XX/XX/2023 decided that XXXX was just in their actions. They claimed that XXXX proved they delivered an item. I called Chase to follow up, and was told about a whole new process I must go through to have them look at it again that involves sending in a letter with numerous pieces of evidence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-29
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
The past several weeks PayPal has refused to transfer money in my PayPal to my bank. They have no problem receiving money but won't release money. I've repeatedly both called and texted there customer service dept rather than allowing me to speak or chat with an agent they email me a link to there index of ( so called ) solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Kelsting Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX I seen that there was a collection account on my credit report. I immediately called the XXXX XXXX XXXX  to tell them this utility bill didn't belong to me. I was told they couldn't find the account. I then reached out to pcs, the reporting agency and disputed the bill. I explained to them I moved out of XXXX and the address they claimed the bill was for in XXXX is my ex husband 's current residence. I moved out of XXXX XXXX  in XXXX and have never moved back. I have provided a copy of my ca driver 's license showing issue date of XXXX to a diffrent address, 1040 's, bank statements, my divorce decree, wage reporting by my employers reported directly to the irs off the irs site. I have ran a public profile showing my residence locations with dates of occupancy supporting all documents provided to pcs. I have provided every legal document, misc proving I didn't live there in XXXX as they claim this debt is for. Pacific credit services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The information they provided had inaccurate information, inaccurate dates, no signature or a picture of my id.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19
Company: PNC Bank N.A.
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On or about XX/XX/XXXX, XXXX Bank started the transfer of their loans to PNC Bank, with PNC Bank taking over on XXXX XXXX. We had an auto loan with BBVA, with our payments on automatic draft. We were unaware and not notified of this change. Our drafts stopped, so we mailed checks to BBVA, with all of them being returned. We did our own research and found out what change had taken place, so we asked for the correct mailing address for payments, PNC could not give me any info on my loan, including payoff, payment or loan balance. I sent payments, and they were also returned. In XX/XX/XXXX, PNC Bank reported our account as a charge off, after PNC sent a repossession company to pick my vehicle up and receiving money over the phone from my checking account, along with XXXX mths of payments setup for draft, to catch up the payments we had tried to so desperately send to both banks for several months. We were also unaware the reported a charge off on this account until we called for a payoff on XXXX XXXX and the dealership said they couldnt pay a charge off account and PNC would not give them a payoff amount or why it was charged off. I want this charge off removed from all credit report agencies immediately, as I feel as if PNC Bank and BBVA Bank failed to notify us of such a drastic change, leaving us in the dark of where payments needed to be sent, or that our loan had even been transferred to them. PNC Bank did not have our correct address in their system either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

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 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I have filed disputes with all three credit bureau 's and XXXX regarding a collections account showing on my credit report. That account has been paid in full and closed. I have a letter from XXXX stating as such - but my disputes continue to be declined with the following reason : " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' I most recently refiled disputes on XX/XX/22 and it was processed the same day with no resolve.

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 2023-04-19
Company: I.C. System, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I dont know whats going on these people are trying to scam me I have never heard of these people I wont these bad reports off of my credit as soon as possible its on there 3 times from I.C . System, INC I need this scam off of my credit this company has to be a fraud company

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 2023-07-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2022-08-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
To whom it may concern, this complaint is in reference to a Fraudulent check withdrawal from my CHASE account on XX/XX/22 in the amount of {$950.00}. The fraudulent check was addressed to XXXX XXXX XXXXXXXX XXXX  and was cashed by a person unknown to me who forged my signature on the aforementioned check. Upon making this discovery I contacted CHASE via XXXX and was advised to report to my branch which is located on XXXX XXXX and XXXX XXXX XXXX XXXX in Florida. Shortly thereafter, I arrived at the bank when I made contact with a bank employee whose name I can not recall assisted me in cancelling my old checking and savings accounts for new ones. Prior this incident a fraudulent check was deposited into my account on XX/XX/22 for the amount of {$930.00} with my forged signature. The check was from a company called XXXX XXXX of XXXX XXXX. Upon making that discovery I responded to my branch when I made contact with an employee name XXXX who assisted me with cancelling my accounts for new ones. I stated to XXXX that only two agencies deposit checks into my account and they are my employer XXXX XXXX XXXX XXXX and the Internal Revenue Service and no one is authorized to withdraw. In exercising due diligence a security pin was set up to deter future fraud attempts going forward. After the second incident I asked the bank employee how could {$950.00} be withdrawn from my account if a security pin was set up and I was advise that the security pin was removed but no one can give an answer as to why. It should be known that the security pin was removed without my knowledge or consent. 
I was told by the bank employee an investigation would be conducted and my {$950.00} will be credited after 90 days. On XX/XX/22 I made contact with CHASE Fraud Dept via the aforementioned number when I was told my funds shouldve been credited to my account a long time ago and if in 5 business days my funds were not credited to call back. On XX/XX/22 I made the call but on this occasion I was communicating with CHASE Fraud Dept Located overseas. The Overseas Fraud Dept Personnel stated that Based on their investigation my ID was used together with my signature and I did not report my ID was stolen and the case was closed. I told the investigator I never lossed my ID so there was no report to be made in addition which bank location the Fraudulent Check was cashed he refused to give me that information. In conclusion CHASE does not have any Clear and Convincing Evidence that Im responsible for this fraud but theyve made that decision anyway. Im hoping that your agency can look into this matter to hold CHASE responsible for their error in protecting my accounts. Thanking you for your attention in this matter. 
Yours Sincerely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
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:
Experian has my private information and are responsible to safeguard. If Experian properly investigated, they would realize XXXX XXXX XXXX XXXX ( XXXX ) did not have permission to access my report on XX/XX/2017. But instead they play the paper games with their clients. Both companies should fail because they are not professional, honest, nor doing their job. Experian is " taxing '' the US citizens by playing paper games and not safeguarding taxpayers private information.

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 2020-12-20
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
My account was locked back in XXXX due to a 'change of address '. I in fact have not changed my address and it has been the same for years and have provided the necessary information they asked for, multiple times.. Every time I call to check the status of my account, I'm told that the " FIU '' department is the only department that can unlock my account and that they are only able to be contacted by email which I'm sure is absolutely not true. It has now been over 4 months that I have not had access to my money. I have bills to pay and a baby to provide for. I am on the verge of suing the company for 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 2023-02-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX  data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5300.00} 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 2018-11-15
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I saved money in as required by Citi Account Package, and I was promised to get {$400.00} Cash Bonus if I saved certain amount money for 3 month when I opened the account less than a year ago. I asked the staff recently, and they said I satisfied all the requirements. But now several weeks past, I saw nothing. I contacted them several times, but they said they are investigating this and had some TECHNICAL DIFFICULTIES.

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 2021-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Kohls department store charged me late fees on XX/XX/2021 for {$64.00}. I had paid off the Kohls card months and or maybe a year prior to this and wasnt late with my payment but still got charged. I called Kohls to resolve this issue and they took off one late charge but I still had to pay {$24.00}. I shouldnt have to pay nothing because I already paid off my credit card I told the Kohls rep. I still had to pay. After all this I got a delinquent account on my Credit Report and it was from Kohls. This drop my credit from XXXX to XXXX. These bogus charges hurt my credit report that I worked hard to maintain. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 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 2021-10-25
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian is continuing to report an aged out account. I have submitted proof of the age and the company XXXX XXXX XXXX XXXX has responded saying that it is old but they will continue to report it and Experian is responsible for deleting it. Experian 's response is always to defer to the company and this is a violation of my rights. The account should be deleted from my report based upon FCA rules not based upon XXXX XXXX XXXX XXXX 's discretion. Please reference case number XXXX for all evidence and responses from both parties.

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 2022-02-02
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have tried to reach debt collection agency Mercantile Adjustment. I paid an old debt I owed to electric company XXXX on XX/XX/XXXX in the amount of {$680.00}. This amount was debited on XX/XX/XXXX. This amount still shows on my credit report and I have asked numerous times to have this removed. I also never received a letter indicating the debt was owed and this is impacting my ability to apply for housing. I disputed this twice with credit bureau XXXX on ( XX/XX/XXXX and on XX/XX/XXXX ) and received responses each time that debt was verified with the collection agency has valid. This is not accurate. Additional calls to this organization go unanswered and nobody has called me back. I need this removed from my credit report.

Company response to consumer: Closed with explanation