BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: TX
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-11-01
Company: EQUIFAX, INC.
State: KY
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX XXXX  XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX/XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date XXXX inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Date of inquiry : 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 explanation
Consumer complaint received 2023-06-22
Company: Experian Information Solutions Inc.
State: FL
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 an id theft victim. These accounts are not mine, XXXX XXXXXXXX XXXX  {$5600.00} XXXX # NA XXXX XXXXXXXX XXXX {$6800.00} Authorized user XXXX # NA

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 2023-06-22
Company: Experian Information Solutions Inc.
State: SC
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 2023-06-01
Company: CL Holdings LLC
State: NJ
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:
J Jefferson system capital added a fraudulent collection to my report, a XXXX by the name of XXXX XXXX XXXX XXXX. I received grants and financial aid that covered my expenses and they randomly added a collection to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Ability Recovery Services, LLC
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
HELLO MY NAME IS XXXX XXXX AND THIS IS MY SECOND ATTEMPT ON TRYING TO RESOLVE THIS MATTER WITH ABILITY RECOVERY SERVICES. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: HUNTINGTON NATIONAL BANK, THE
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX of XXXX I started a repayment program for a missed mortgage payment. This program was approved and started by the Huntington Mortgage representative and I completed this program in XXXX, the XXXX was my last repayment. Upon calling the provider, I was informed that the repayment plan was set up incorrectly? And I would need to start another or go on some home saving program. This is totally unacceptable to me as a consumer I have completed my part of this process, it is not my fault that they set up the program wrong under the wrong parameters. My account should be current as they stated it would be upon completion of this program.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-29
Company: Paypal Holdings, Inc
State: UNITED STATES MINOR OUTLYING ISLANDS
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:
Well I like to authorise the charges which I maid to Paypal. 

By mistake I complained before " I believe I ordered XXXX XXXX and XXXX XXXX  update form a technician upgrading my computer and gained access to all of my personal information because he is the technician and he used my debit card through Paypal to make the initial {$470.00} then I was billed within a week 6 or 8 more of those payments and they went through and Paypal doesn't want to honor their commitment to me as a customer. XXXX XXXX is sending me a fraud form to fill out because they are are gong to attempt to recover my funds. Paypal case XXXX. The Tech person his name is XXXX his phone number is XXXX XXXX XXXX XXXX. '' I like to authorized all the charges made by me to paypal. 

I know XXXX well and I like to cancel my complain for paypal transaction. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: Capital Accounts, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/18 I received a collections notice with a balance of {$610.00}. On XX/XX/18 I called to settle the debt. I was told if I paid {$570.00} the debt would be settled. I called back and was told that the balance was {$630.00}. We ended paying the {$610.00}, but I was confused on all the different balances they provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I have transferred an amount of money to my brother in XXXX, XXXX for medical expenses through " MoneyGram '' on XXXX XXXX, 2022, and was promised to be available in a few minutes or in the same day, but in fact, all MoneyGram locations in the city ( XXXX, XXXX ) says there is an issue for receiving transfers from " MoneyGram '' and that is the status since XXXX weeks ago until today XXXX XXXX, 2022, my brother in XXXX not able to pick up or receive the amount of money transferred. 

Their customer service wasnt helpful in solving the issue, so I gave up on their service, and I am going to cancel the transaction, but they are not going to refund me the fees! which I have paid for a service that I haven't received! and in addition to that, they have caused harm by not delivering the amount as promised!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

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 rights 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 written instruction 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason

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 2022-11-29
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX, Balance : {$930.00} XXXX XXXX XXXX XXXX  ( Date Opened : XXXX. XXXX, XXXX, Balance : {$950.00} ), XXXX XXXXXXXX XXXX  ( Date Opened : XXXX. XXXX, XXXX, Balance : {$450.00} ), XXXX ( Date Opened : XXXX XXXX, XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$1100.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$770.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$1500.00} XXXX XXXX XXXX ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I am at wits end with USAA, and as a 19 year member I have been treated unfairly. These people do not care about their members. Well the XXXX Americans members, I say that because from my experience and the neglect that Ive had to endure. There has been multiple situations where USAA could have come through to mitigate to lessen my damages but gave me the XXXX kiss and I strongly feel that if I were not XXXX-American I would not be going thru this XX/XX/XXXX, XXXX A traumatic injury on the job, my management falsified my records, to maliciously get my Workers Comp. denied. The denial costed me seven months with zero income. Finally got it approved XX/XX/2019 I did everything I could to communicate with USAA to work something out but not one person considered any thing and it was a straight up no and I was giving their XXXX to kiss. USAA would have lessened my damages to prevent service lapsing and out of all the calls out of all the emails, No one did anything and did not try to do anything gave me the XXXX to kiss. 

When the COVID-19 issue got to Georgia and my doctor gave me instructions and because of my chronic illness I am at high risk and if I contract the con virus I am at high risk for serious severe complications. I have given detailed emails I have spoken with people all way from the top to bottom These people still could careless and I get their XXXX kiss Still. 

My situation has nothing to do anything that Ive done but has everything to do with the process that I have to go through because others try to manipulate the system and misrepresent facts to unlawfully bring harm to me. 

USAA does not care about the members at least we are black XXXX-American. And I believe that due to my experiences. I could have been out of date long time ago into a better situation but if your bank that youve been with for 19 years and your father has been with this particular institution since he was XXXX years old cant give you anything something is wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: CITIBANK, N.A.
State: WI
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: Card was charged for something you did not purchase with the card

Complaint:
We opened a Citi credit card around spring of XXXX. Fraudulent charges started within the 1st month. We contacted Citi ; they closed account and issued new card. All the transactions made on this card were fraudulent. All but 2 were removed by Citi. We've been trying to get this removed since last Fall.

Citi phone records will show detailed records of many dozens of calls from us to many of their representatives to include Fraud, Customer Service, Security, Technical Assistance, etc. to our last call on XX/XX/XXXX with XXXX, then XXXX, in which we were told to call the Fraud Dept., again. We told them we were done taking the endlessly considerable time to resolve this and would contact the CFPC and issue a complaint. 

We started to document phone requests to Citi resolve this year and wrote Citi on 2 occasions in order to resolve these last 2 fraudulent charges. The first letter was sent by email on XX/XX/XXXX. The second letter was sent by snail mail on XX/XX/XXXX. We never received a reply to our XX/XX/XXXX letter. 

Citi recently reported our refusal to pay to the 3 Credit Bureau Agencies which has seriously reduced our credit score over an issue that does not even exceed {$100.00}. This is irresponsible, reckless and seriously economically harmful to us. 

We've done everything we can to get this information corrected with Citi but their Online Dispute process is faulty and resulted in an inaccurate description in their dispute resolution response. Every one of our many, many conversations with Citi Representatives is positive and fruitful but the problem lies with Citi 's reliance on resolving disputes online only.

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 2022-05-15
Company: The Aligned Company DBA Extra
State: IN
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:
There is an account on my credit report Extra that does not belong to me. I contacted the credit bureau XXXX with a dispute. They supposedly investigated and the company told them it was my account w/o any proof. 

I called XXXX and was told that my next step would be to file a complaint with the FTC. 

This Extra account started showing up on my credit report in XX/XX/XXXX with a XXXX balance but since XX/XX/XXXX it shows a balance of {$25.00}. Im concerned about this fraudulent account that somebody is trying to get loans in my name. This is NOT my account. I tried to contact Extra. They have a California address and a New York phone number. When I called the phone number I got a voicemail wanting me to leave detailed information about myself w/o being able to talk to a person. 

Please investigate and get this removed from my name and my credit reports.

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 2020-06-10
Company: Experian Information Solutions Inc.
State: AR
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:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

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 2023-09-22
Company: SANTANDER HOLDINGS USA, 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 am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to SANTANDER BK XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.

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 2020-06-10
Company: EQUIFAX, INC.
State: AR
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:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: SYNCHRONY FINANCIAL
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
From time to time, there is a dispute for one reason or another. Most are cleared up without problems. Sam 's Club/ Synchony Bank contacted me last XXXX, stating questionable transactions which appeared to be fraud. At that time they cancelled my card and sent out a new one. I was told that when my statement came in, check each transaction and advise them of anything I believed was Fraud. .... I did so and have followed up on these charges with Sam 's over & over. They not only refuse to credit my account, but continue to add interest and late fees. All Credit Bureaus have been notified of my imagined delinquency. ... I am attaching letters and the most recent statement.

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