BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-04
Company: SYNCHRONY FINANCIAL
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I want to report PayPal credit for continuing to make harassing phone calls on both my cell phone and home number. My home number is not even listed and not an authorized number for them to be contacting me on and they are still continuing to call me there. I have scheduled an automatic payment that is to be pulled later this week and I am still receiving annoying harassing calls!

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 2023-07-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This is in reference to Account XXXX. XXXX at Fifth Third Bank. Day before yesterday, it was brought to our attention that our account balance of {$41000.00} has been wiped clean, account closed and turned in to collections some months back. Please note that no transaction was authorized by us from the account, neither did we know about this situation or we would've bought this to your attention earlier. We have been preferred banking customers at fifth third and have maintained high balances for a very long time. For something like this to happen is not just mind boggling but also extremely stressful. As I report this, I can not describe the amount of worry and mental agony this misfortune has brought to us. we called in to customer service trying to get into online banking as we have been unable to access the account online for quite some time. At the call, we were transferred to collections and then back and forth between fifth third customer service reps and collections with no explanation as to how something like this can happen. We also reached out to our branch manager at XXXX XXXX, MI via email to find out what happened, hoping to get some help and doing so again. How can transactions occur from the account without our authorization and how can an account be closed so quickly without our knowledge? 

At the moment, we have been informed by fifth third bank that company named XXXX XXXX XXXX had pulled money from my account using ACH. These transactions were not authorised by us nor did we have any information about these transactions until yesterday when we got to know about these transactions. 
YEAR XXXX : - XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX over draft fees YEAR XXXX : - XX/XX/XXXX. XXXX over draft fees XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX overdraft fees XX/XX/XXXX. XXXX overdraft fee XX/XX/XXXX. XXXX overdraft fee We really need someone to look into this matter and help us out. Truly believing that humanity still prevails and hoping we can get some answers as well our funds. 


Account owners : XXXX XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Experian Information Solutions Inc.
State: MI
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: Investigation took more than 30 days

Complaint:
Three months ago I received your correspondence on this alleged account stating your verified / updated, this account was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX just showed up on my credit report for {$740.00} dollars for back in XXXX. 2018. I already moved to XXXX in XXXX of 2018. That debt is not mine nor did I go there for medical attention. I already had moved.

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 2023-07-13
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2023 I used my PayPal account to pay my rent payment of {$3300.00}. I utilized my XXXX XXXX SEND function so I could earn the reward points. The money was deducted from my XXXX account and I paid off the total on XX/XX/2023. I was contacted by my landlord, XXXX XXXX, on XX/XX/2023 and advised he had not received my payment to him. XXXX is not familiar with the PayPal platform and opened the account at my request so I could earn the credit card point every month when I pay my rent. He is a retired dentist of above average intelligence, so I never questioned his assertion that he did not receive my rent payment. I immediately contacted XXXX and spoke to a customer service person who advised me that XXXX inadvertently returned the {$3300.00} to me but the refund could take up to 30 business days to receive. I reconfirmed this several times because I had to resend the {$3300.00} a second time so as not to be late on my rent payment. XXXX contacted me the next day and said that he was able to finally access his PP account and it shows both payments are in his account. I explained that I was told by PP that the first payment will be refunded to me. He opted to take out only one of the payments and leave the other one in the account incase it was removed. On XX/XX/2023 both of our accounts were permanently closed without explanation. ( XXXX ) I immediately called PayPal and attempted to get any information to better understand what had happened and they would not tell me anything. The second payment of XXXX is being held in XXXX 's PP account and they will not release it to him or refund it to me. The representative only apologizes for the misunderstanding about my first payment being refunded with any explanation. Lastly, they said that they will hold the money for up to 180 days before releasing it. I can not afford to pay my rent payment for the month of XXXX, creating a severe financial hardship for me. XXXX is a retired local dentist with an impeccable reputation and I am a former deputy sheriff that works as a civil rights investigator for the XXXX XXXX, not a criminal cartel. Please assist us with getting our money from PP. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Experian Information Solutions Inc.
State: MI
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: Investigation took more than 30 days

Complaint:
Three months and a half ago I received your correspondence on this alleged account stating your ( verified/ updated-these accounts attached below but obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset

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 2023-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 customer service

Complaint:
Bank of America sold my credit card account to XXXXXXXX XXXX which I can not find any physical bank locations for XXXX  other than online or calling by phone, and apparently XXXX is owned by XXXX XXXX  which sounds like a fictitious bank holding company to me. 

I am trying to get copies of statements from XXXX and XXXX. XXXXXXXX XXXX says they don't keep the old records from Bank of America. After a month and numerous phone calls I only received the last XXXX months of XXXX statements from XXXX. Now XXXX says they can not provide anything before XX/XX/XXXX which seems ridiculous to me. I called Bank of America ( and tried to use their online system ) and they tell me that Bank of America can not find my account since it is not in their system anymore and can not help me. I need to produce these statements for a court case and should not have to pay a lawyer to summon the companies to produce the records. 

Could you please investigate this egregious behavior by Bank of America to sell to an online bank, throw out the records, and the customer is disadvantaged by this. Also, XXXXXXXX XXXX  says online that old statements are available by calling a phone number and the people on the phone say they can not help. 

Thank you very much.

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 2022-04-20
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  XXXX has violated my rights. 
XXXX XXXX has violated my rights 1

5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer
reporting agency can not furnish a account without my written instructions

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-04-20
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
One of my loans ( XXXX for XXXX XXXX, {$12000.00} ) through Heartland ECSI has the incorrect disbursement date. The date is listed as XX/XX/XXXX, which is completely erroneous as I was born in XXXX and did not start medical school until decades later. I plan to consolidate my loans through a different servicer, which will require the correct date. If the disbursement date is not changed to the correct day, it will affect my debt consolidation and my ability to have my loan forgiven through PSLF. I have called their customer service several times over the course of two years without anything being done for it and being placed on hold for hours. All I am simply asking is for the correct information to be displayed. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: LA
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I stayed at XXXX XXXX XX/XX/22 XXXX number XXXX. I used XXXX redemption points for my stay. I had to present my capital one card for check in. After checking out my bill states balance XXXX. Months later the hotel charged my credit card {$57.00} for the stay. 

The next night I paid using my capital one folio XXXX and that charge is correct. 
I have submitted the receipts to Capital one and explained several times the situation. They support team is constantly asking me for proof, but there's nothing else I can provide

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-29
Company: Experian Information Solutions Inc.
State: CA
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-01-13
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:
I previously filed a dispute with Experian regarding the XXXX XXXX Account XXXX negatively reporting to my Experian Credit File. In my dispute I included court documents submitted by XXXX XXXX and ordered by the judge of a FULL RELEASE, SATISFACTION, AND TO VACATE JUDGMENT. On XX/XX/XXXX XXXX XXXX filed suit against on credit card balances arising from XXXX XXXX XXXX card accounts ending in XXXX and XXXX. XXXX. XXXX XXXX was awarded a XXXX against XXXX, on or about XX/XX/XXXX, in the principal amount of {$12000.00} and all costs of suit. XXXX. The full name and address of the individual whose interest in the Judgment is being fully released as set forth below are XXXX XXXX XXXX, whose last known address is XXXX XXXX XXXX, XXXX, TX XXXX. XXXX. XXXX XXXX declared the accounts null and void and fully released, exonerated, and discharged XXXX XXXX XXXX, as identified and described above, from the entire judgment awarded, including ( a ) the principal amount of {$12000.00} awarded by the judgment ; ( b ) all costs of suit ; and ( c ) the operation, force, and effect of the judgment. Not only was I fully released from all reported debt on my XXXX XXXX cards, the amount being reported delinquent of {$12000.00} was a total of two cards but is being reported as a single account by Experian. So not only is the amount reported incorrect and due to multiple accounts, not just one. The entire debt has been deemed null and void and by court order, I have been released of all responsibility for this debt. Even after receiving a copy of the court order releasing me from all liability of this debt, Experian has failed to remove the negative account being reported for which I have no liability. 

In response to this dispute, XXXX XXXX sent me a response saying it was no longer reporting these accounts to the CRA 's, and addressed their responses to someone with a very similar name in a different city, with different account numbers, stating they were fraudulent accounts. Apparently XXXX XXXX failed to read the court orders, and correct account numbers, my address, or any of my actual identifying information. I've attached the court orders relieving me of all liability and full release of the debt, which XXXX XXXX requested happen. I just ask you finally stop reporting this debt which by court order I am not responsible for. 

I've attached the court orders once again. 

Regards, 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 2022-04-20
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
I have been taken advantage of due to mal-practice while several laws were being broken under the fcra by your company. Unable to get a loan pertaining to a car and house, and have experienced deformation of character with even less of an opportunity to obtain a reasonable credit score as a result. Your company has failed to provide reasonable proof of validation and has also allowed a derogatory mark back onto my account without my permission. This an account that has been removed by all other bureaus to note. The merchant claims that an amount of {$150.00} is owed without proper verification procedures. I have sent several letters ( please find attachment ) pertaining to the violations to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
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:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Dear Consumer Financial Protection Bureau, I am writing this formal complaint against Transunion in hopes of seeking resolution regarding the reporting of negative claims on my consumer credit profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices. 
My primary complaints are as follows : 1. Failure to Ensure Accurate Reporting : I firmly believe that Transunion has not taken adequate measures to ensure that my consumer credit report profile is reported factually, ethically, and in compliance with federally-defined timeliness. The reporting should also be physically verifiable and validated, adhering to the mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without any omissions or deviations. 

2. Deviation from Established Reporting Standards : Based on my understanding of CDIA 's CRRG manual ( see CRRG 3-4 ), any deviation from the Metro2 standards jeopardizes the integrity of the data. I am concerned that Transunion may not be adhering to these established standards, which raises questions about the credibility and reliability of the reported information.

3. Lack of Documented Proof : Despite my attempts to contest the reported information, Transunion has not provided sufficient documented proof confirming the accuracy and compliance of the negative claims asserted against me. As a consumer, I have the right to demand evidence of reporting appropriateness and adherence to regulatory requirements.

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