BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report : 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 2021-03-18
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has been calling me numerous times a day everyday. I eventually blocked the number and they now call over and over again from different numbers. I have spoken to several different representatives and tried to get information on this debt and amount because I have already spoken to the company directly, each time I was called a liar and told to PAY NOW! I believe this company is fraudulent and so is the charge on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Paypal Holdings, Inc
State: AL
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 have bought jewelry from XXXX on XXXX XXXX and I paid with my PayPal account and then I cancelled the order so XXXX refunded me the whole amount of XXXX dollars but PayPal is not releasing the refund and is holding the money for NO reason. I contacted PayPal and I was told the refunded money will be the n hold for 30 days before they release it and refund it back to my credit card and that is Fraud and stealing and unethical and shady business practice. Why is PayPal holding a refund that I received from the seller goldsilver.com. When I get a refund it takes 3 business days for me to receive it back to my credit card and NOT 30 days like PayPal is claiming. They are holding my refunded money for 30 days. This is clearly FRAUD and unethical and shady business practices. What is the reason for them to hold my refunded money for 30 days. Money is clears by the bank in 3 days and NOT 30 days so they should release that refund of XXXX dollars and refunded back to my credit card immediately NOW and NOT after 30 days

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-10
Company: Capital Accounts, LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Not my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: CITIBANK, N.A.
State: CA
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:
On XX/XX/2018 I had a charge for {$230.00} from XXXX XXXX which I did not make or have any idea about. I had never heard of the company before. I found out about the charge when I received my CITI statement XX/XX/2018. I immediately called CITI the next working day to make a claim/dispute the charge ( XX/XX/2018 ). I later received a letter which asked me what I had done to rectify the issues regarding the fraudulent charge ( s ) on XX/XX/2018. I forwarded CITI the correspondence I had with XXXX XXXX ( E-mail sent XX/XX/2018 ) in which they stated they couldn't assist me with the issue and to have my financial institution ( CITI ) contact them instead. I then  received a letter on XX/XX/2018 that stated that I would be responsible for the charges as I had not sent a " Complete response '' to them about the fraudulent charges. I am not sure how I had not sent a complete response to CITI as I sent them everything I had and was asked to provide. XXXX would not speak with me about the issue, so I assumed CITI would speak with them. I'm not sure what else I could have done about this as I had no knowledge about the charge and XXXX refused to speak with me about the charge. I figured CITI would investigate where the item was shipped or something of the sort to be sure my claim was legitimate, but instead they declined my claim and left me to pay for something I didn't not order, receive, or have any idea about.

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 2023-04-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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 am filing this complaint against XXXX and XXXX for failing to furnish what Portfolio Recovery Associates XXXX has furnished to them to report. XXXX reports the purging date to be XX/XX/XXXX and XXXX reports the purging date to be XX/XX/XXXX. This is a two month difference. to my understanding according to 1681c ( c ) the running of reporting period begins on the date of the delinquency that led to the charged to profit and loss or collections, therefore there should be only 1 date of delinquency date in regards to the original creditor account. I have already requested the date of delinquency from portfolio recovery on XX/XX/XXXX tracking XXXX and I have yet to receive a response regarding my inquiry. Portfolio recovery received my letter on XX/XX/XXXX. Both XXXX and XXXX have both verified as accurate this same account but still report different purging dates. I do not believe XXXX or XXXX are in compliance with 605 and 623 of the FCRA in which this is a Federal concern and Violation. if both agencies choose to report this one account, then both agencies are required to report the same accurate information. I understand XXXX and XXXX are two different entities and do not have the same exact fields reporting but that does not justify the reason why both agencies have verified as accurate the same account with two different purging dates. XXXX and XXXX are manipulating the date of delinquency date that occurred with the original creditor by reporting two different purging dates. I do not believe reasonable compliance procedures are being conducted by XXXX and XXXX to assure my consumer reports are to the maximum possible accuracy before preparing me with results and a new report, which is another FCRA violation 1681e ( b ) accuracy of report. Portfolio Recovery has denied they are reporting any inaccuracies with the consumer reporting agencies therefore the discrepancy of re-aging this account by manipulating the date of delinquency date that occurred with the original creditor because XXXX and XXXX are reporting two different purging dates is solely XXXX and XXXX  default and they refuse to fix this on going issue. XXXX and XXXX should be held accountable for their illegal practices by failing to modify this one account to the maximum possible accuracy instead of deleting this inaccurate account. XXXX and XXXX are verifying as accurate this account by using validity instead of verifying all reported information is 100 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My loan was place into forbearance last year. I was at the time 30 days late. 
Every month XXXX reported loan as 30 days late, for that month. Lower credit score monthly. I reach out to pennymac ask how to update loan, I received a email extra paining the following. 
That per the cares act when the late payment is as paid XX/XX/XXXX payment the loan would be reporting would be up dated to current in forbearance. 
XX/XX/XXXX received email Made payment and it was posted to account XX/XX/XXXX. 
The supervisor informed me that although the loan was not longer 30 days past due That the loan would still be reported as 30 days late in forbearance. 
I need help my credit score has be reduce to poor.

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 2019-09-12
Company: Ad Astra Recovery Services Inc
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I received a copy of my credit report from XXXX credit reporting agency. That report stated the following, which was furnished by Ad Astra Recovery Services , Inc. of XXXX XXXX XXXX XXXX XXXX, XXXX . XXXX, XXXX, Kansas, XXXX. I proceeded to dispute the item. Upon completion of the dispute no changes were made to my report. On XX/XX/XXXX, I disputed the inquiry once again for the inaccuracy. Under the federal Fair Credit Reporting Act ( 15 U.S.C. section 1681 and following ), you are obligated to investigate requests within 30 days, and promptly give credit reporting agencies correct information if you find that information you have reported is incorrect or incomplete. This derogatory mark is wrongfully damaging my credit tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: TX
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 am filing this complaint against XXXX and Experian for failing to furnish what XXXX XXXX XXXX XXXX has furnished to them to report. XXXX reports the purging date to be XX/XX/XXXX and Experian reports the purging date to be XX/XX/XXXX. This is a two month difference. to my understanding according to 1681c ( c ) the running of reporting period begins on the date of the delinquency that led to the charged to profit and loss or collections, therefore there should be only 1 date of delinquency date in regards to the original creditor account. I have already requested the date of delinquency from XXXX XXXX  on XX/XX/XXXX tracking XXXX and I have yet to receive a response regarding my inquiry. XXXX XXXX received my letter on XX/XX/XXXX. Both XXXX and Experian have both verified as accurate this same account but still report different purging dates. I do not believe XXXX or experian are in compliance with 605 and 623 of the FCRA in which this is a Federal concern and Violation. if both agencies choose to report this one account, then both agencies are required to report the same accurate information. I understand XXXX and experian are two different entities and do not have the same exact fields reporting but that does not justify the reason why both agencies have verified as accurate the same account with two different purging dates. XXXX and Experian are manipulating the date of delinquency date that occurred with the original creditor by reporting two different purging dates. I do not believe reasonable compliance procedures are being conducted by XXXX and experian to assure my consumer reports are to the maximum possible accuracy before preparing me with results and a new report, which is another FCRA violation 1681e ( b ) accuracy of report. XXXX XXXX has denied they are reporting any inaccuracies with the consumer reporting agencies therefore the discrepancy of re-aging this account by manipulating the date of delinquency date that occurred with the original creditor because XXXX and experian are reporting two different purging dates is solely XXXX and Experians default and they refuse to fix this on going issue. XXXX and Experian should be held accountable for their illegal practices by failing to modify this one account to the maximum possible accuracy instead of deleting this inaccurate account. XXXX and Experian are verifying as accurate this account by using validity instead of verifying all reported information is 100 %.

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 2021-12-01
Company: EQUIFAX, INC.
State: AL
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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was told my synchrony Bank that sometimes in XX/XX/XXXX i OPENED a value city furniture account in the amount of XXXX. I opened a fraud claim with them as THIS WAS NEVER OPENED by me. They later one transfer this case to collection and for XXXX times I was summoned to appear at the court of common plea in XXXX ohio. This case has now been dismissed by the court as it was determined I did not own this money. In XXXX I did not even know of synchrony Bank. The only furniture I bought was in XXXX and the creditor was XXXX XXXX XXXX company. This transaction has been hurting my credit report since then and I want this to be removed from my account which is why XXXX asked me to file this report.

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 2021-11-22
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Simple Bank closed my account with {$3000.00} in it and was then acquired by BBVA. It has been almost a year and I still have not received my disbursement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-18
Company: EQUIFAX, INC.
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:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX  Last reported XX/XX/XXXX {$1300.00} Reported balance Highest balance {$1500.00} XXXX XXXX XXXX Last reported XX/XX/XXXX {$3600.00} Reported balance XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$560.00} Open balance XXXX XXXXXXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/XXXX {$320.00} Open balance {$1800.00} Reported balance XXXX XXXX {$960.00} Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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:
A check was written to XXXX ( XXXX XXXX XXXX XXXX XXXX  ) for {$30.00} on XX/XX/2018, placed in an envelope and put in our mailbox. Apparently the envelope was stolen from our mailbox and the check was modified with the payee of " XXXX XXXX XXXX '' and the amount was changed to {$3500.00}. The check was cashed on XX/XX/2018 against our XXXX XXXX XXXX ( XXXX ) checking account to a payee account at the Bank of America ( BOA ). The check image is attached. We filed a police report on XX/XX/2018 and submitted an affidavit ( attached ) documenting the fraud to XXXX. XXXX   filed a report to BOA on XX/XX/2018. BOA responded ( attached ) denying the claim on XX/XX/2018 claiming the signature was modified which it was not. We have been in contact with XXXX   several times concerning the matter. This matter has dragged on for over 4 months and I am in doubt whether we will ever see the funds despite assurances from 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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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.

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 2023-04-18
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/XXXX, I received an email from NetCredit saying my application was submitted to XXXX XXXX XXXX XXXX XXXX and it was declined. I did not apply for any loan and I also have a fraud alert on my credit report. No one tried to contact me via any forms of communication I have listed on my credit report to let me know someone was trying to use my credit. Instead they ran my credit and submitted me for a loan. I have tried to email and call XXXX, but there is no customer service phone number. The number I did find was no help at all. It was just an automated system. I reached Out to NetCredit and told them this was a fraudulent application. They told me that they can only have the application in " identity theft '' status for 7 days. I'm on the phone telling the representative that I did not authorize this and she says that is there policy. I need for XXXX to take my personal information out of their system!! And now I have an unwanted inquiry on my credit report!! XXXX did not do their due diligience on verifying my identity. All they are concerned about is making a loan/profit!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
To Whom It May Concern, I am writing you to resolve a 10-month dispute with bank J.P. Morgan Chase XXXX started in XX/XX/2020 XXXX regarding a refund. 
I am a cardholder of Chase Sapphire Credit Card issued by J.P. Morgan Chase. In XX/XX/2020, a merchant refunded me {$3200.00}. I reached out to Chase Cardmember Services Department to request a check to be mailed to my home address. The representative advised me that the banks procedure is to send an email from Chase XXXX XXXX XXXX XXXX for me input my account information requesting an ACH deposit to the account that I desire. 
After 7 days of waiting for the email, I called Chase Cardmember Service to inquire about the status of the email. I was advised that the funds were already deposited into an account ending is XXXX XXXX attached letter from the bank ) on XX/XX/2020. I declared that this account is not mine and that I did not receive an email or requested the funds to be transferred to that account. 
Since XX/XX/2020, I have been trying to express to Chase Cardmember Services, Chase XXXX XXXX, Fraud Department, Recoveries Department, Chase XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Department, Identity Theft Department, Security Department, Customer Claims Department and 2 branch representatives ( XXXX XXXX, FL and XXXX, FL ) For detailed list of parties involved, see Annex A. 
On two occasions, I was able to have a Chase Cardmember Services supervisor speak with their counterpart at Chase XXXX to address the fact that XXXX received incorrect instructions/email address from Cardmember Services and that for this reason, someone else was able to obtain my funds. Even though this was verified on two recorded calls, I am still waiting for my funds and nobody has sent me my check with the refund. 

Should you have any questions, please do not hesitate to reach out. I look forward to cooperating with you on this matter. 
XXXX XXXX Chase XXXX Office XXXX Email : XXXX Supervisor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Chase XXXX XXXX XXXX XXXX Phone : XXXX Supervisor XXXX Analyst XXXX XXXX XXXX Customer Service XXXX XXXX XXXX Supervisor XXXX XXXX XXXX XXXX Missouri XXXX Supervisor XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX Identity Theft Department/Customer Claims Department ) Supervisor XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Customer Service ) Supervisor XXXX

Company response to consumer: Closed with explanation