BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-22
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/XXXX I visited XXXX XXXX XXXX in XXXX, MO which required a XXXX XXXX. The XXXX XXXX was read by a separate entity -- XXXX XXXX XXXX XXXX XXXX, also in XXXX. I received two bills from XXXX XXXX XXXX ( for this and a separate XXXX XXXX  visit ) and paid both in full. I was recently informed by a credit monitoring service that I had an account in collections from XXXX XXXX XXXX  ( an entity that to my knowledge I never received services from ) on XX/XX/XXXX which was opened on XX/XX/XXXX for {$280.00}. Upon investigation ( calls to XXXX XXXX XXXX billing number ) I was informed they had attempted to send bills to my address which were returned for an inaccurate address. When I asked about the address they had, they acknowledged they had no apartment number listed and had done nothing to attempt to verify the accuracy of the address while also acknowledging that sometimes address are 'not supplied correctly ' by those they contract for. The phone number they had listed for myself was accurate and they acknowledged they never attempted to contact me via phone to ask for a correct address or inform me that I owed them money ( or even had a relationship with them ). In summary, my excellent credit score has been significantly impacted through no fault of my own due to incompetence and/or negligence by XXXX XXXX XXXX who had six months to attempt to contact me to inform me of the bill and did not. Instead they referred my account to a collection agency whom I contacted within minutes of being informed of the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: DE
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 XXXX Account # : XXXX, has violated my rights.

15 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

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 2023-01-07
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, staff of the XXXX XXXX, my PayPal account can not be linked to the bank and withdraw cash. During this period, I have called the PayPal customer service representative many times, and the problem has not been resolved. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Trans Union did not properly investigate information and continues to report inaccurate and false information on my consumer report. i have previously notified them of their error but they refuse to correct

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 2023-04-23
Company: EQUIFAX, INC.
State: GA
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:
Please disregard last request and I was wondering if I could get a generous REMOVAL of these hard inquiries and account in collections please? 

XXXX Total balance : {$0.00} XXXX XXXX Original creditor XXXX XXXX Balance - Balance updated - XXXX These lenders have accessed your credit file : XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: Experian Information Solutions 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:
Experian continues to report an account that is not mine. I never had an account with 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 explanation
Consumer complaint received 2023-01-07
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I was trying to get a loan and the scammers got my bank account information and ended up scamming my bank account and put my account way in the negative due they were running checks remotely online and I have spoke to the bank and they refused to help me and then they took my social security check to pay the account and I am still crazy in the negative, I did start a new account at a different bank due to all of this and the chase refuses to do anything

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: SUNTRUST BANKS, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I went to XXXX on XX/XX/2019 to see what personal loan offers were available for me, to consolidate some debt that I had with XXXX, Lightstream, and my credit card company. I put in all of my relevant information ( name, address, annual income ) and was presented some offers. Lightstream came up as the top offer, with a 6.49 % APR. I selected this offer by clicking " continue '' I was sent to Lightstream 's application page, filled out all of the appropriate information, and was notified that my application was being processed.

I was contacted that same day by a representative, who asked more questions about the purpose of the loan. I explained the three sources that would be consolidated. At that point the representative stated that it's a Lightstream policy not to re-finance their own loans. There was no reference of this policy anywhere in the application process. The representative stated that we could try for a lower amount, so we went ahead and excluded the Lightstream loan amount that I wanted to re-finance. At that point ( same day ), I received another email asking for additional documentation ( paystub ) which was used to verify my income. After verification, the representative told me I was being offered a 9.39 % APR, to match the one with my existing Lightstream loan. They said that if I could get a better rate somewhere else, they would match it, but that's it. At this point they had done a hard credit pull, which lowered my FICO  score by 54 points. I no longer qualify for prime lenders to make competitive rates, and would be locked in to only accept Lightstream 's offer.

I consider this to be unfair, deceptive, and abusive practices. If this bait-and-switch hadn't been designed, I would have applied through other lenders that I would have been a good candidate for, before my FICO was lowered ( e.g. XXXX and 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 2023-04-23
Company: Experian Information Solutions Inc.
State: TX
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:
HERE IS MY REPORT OF IDENTITY THEFT AND FRAUD I would like everything that i have asked for be removed since i have provided the requested information, and they did not have my written permission to furnish my consumer report, and do not have the right to report this unlawful incorrect information. A written consent as of the " FCRA '' I never gave written consent to any of those accounts.

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 2019-06-14
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I requested my annual report and it said i was unable to get access to it. I tried to get it XX/XX/2019 i then call both companies and they werent able to help 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 non-monetary relief
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, 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:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 non-monetary relief
Consumer complaint received 2023-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Report Act XXXX, Account : XXXX, XXXX XXXX XXXX, has violated my rights.

15 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 an account without my written instructions.

This is a fraudulent account, I did not have any contact with this 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 non-monetary relief
Consumer complaint received 2023-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized hard inquiries i do not recognize

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 2021-03-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, 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:
I have reported to XXXX  and Experian that I have been a possible victim of Identity thief. I have recently pulled a copy of my credit report and notice multiple unauthorized inquiries on my report. I have contacted XXXX and Experian notifying the private company of the unauthorized inquiries. The company responded with inquiries are factual which is not true. I have asked XXXX to produce documents of such proof of inquiries in which the Company has not responded with such proof. I am demanding that XXXX  remove the unauthorized inquiries from my credit report immediately.

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 2023-06-07
Company: TD BANK US HOLDING COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
i got a notice on my credit report that someone was trying to open a card in my name. they were denied because they had the wrong address. i called the credit card company to report the inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-30
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Synchrony bank, Wal-Mart credit card.

When they upgraded my card, they changed the account. When my automatic bill pay sent the payments, they credited a " closed account '', while the " new account '' became delinquent. As I tried to buy a home at the end of 2017 .... I paid over {$1000.00} ( mostly late fees and interest ) just to close my escrow!

Now they came after me AGAIN for {$50.00} here and {$85.00} there ... .. I have complained, gone to escalations, have a stack of letters. I finally paid the small amount to shut them up, they credit the wrong account AGAIN .... and send me the $ $ back!!!! Now they are calling again. I have letters of them juggling between the 2 accounts. I get someone on the phone, and they try to help, just to get the check refunded to me over and over again!

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 2023-07-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
there are multiple hard inquires on my credit report that i did not authorize and should be removed immediately. 

i have sent a cfpb complaint 1 month ago and the issue still hasnt been resolved. below are the inquires that i did not authorize and that should be removed immediately. 

XXXX XXXXXXXX XXXX pulled from experian XXXXXXXX XXXX XXXX pulled from experian XXXX XXXXXXXX XXXX pulled from XXXX XXXX XX/XX/XXXX pulled from XXXX ID THEFT VICTIM I HAVE FILED AND CREATED A REPORT ON IDENTITYTHEFT.GOV PLEASE SEE THE ATTACHMENT BELOW ABOVE ARE THE INQUIRES THAT SHOULD BE REMOVED

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 2022-08-17
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter  PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed when I was trying to sublet my apartment. The scammer sent me a cashiers check for more than the rent. After I deposited the check, I sent them the difference of two via XXXX. Then the check I deposited turned out to be fake. I contacted Chase to try to undo the transaction and they said there was nothing they could do because I initiated the transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: NY
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 opened a XXXX XXXX XXXX XXXX years ago to build my credit, I never mail a purchase on this card ever, some how my card was used fraudulently in NY for {$490.00}, I contacted XXXX XXXXXXXX and even spoke with a supervisor they refused to do anything about it, they were very rude dealing with my concern, now they put it on my credit report as passed due for 90 days. How can I be responsible for charges I never made. 
XXXX XXXXXXXX is the worst bank to try and build your credit. I tried many times to close this account and they refused. Please request a history of my credit card from them I never used the cards the entire time I acquired it.

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 2019-01-22
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On Tuesday, XXXX XXXX around XXXX I visited Suntrust Bank , XXXX XXXX XXXX XXXX, XXXX , GA XXXX. The purpose for this visit was to cash a check written to me personally. The check was drawn on the business account of my employer which is a Suntrust account. I do not have a personal account with this bank. Suntrust refused to honor the check unless I paid a fee. I believe this to be a violation of the intent of Section 6000, Subpart 229 ( Availability of Funds ) of the Federal Deposit Insurance Corporation guidelines as well as the guidelines of the Office of the Comptroller of the Currency of the U.S. Treasury Department, as the holder of the account ( issuer of the check ) is a customer of the bank.

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 2021-03-01
Company: Lending Club Corp
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Account was closed XX/XX/2021 with no notice or reasoning. I was asked To submit ID and a bank statement from another account to which I complied. I have called several times and and always am told the research department is investigating. My tax return showed it was deposited to the account on XX/XX/XXXX. The last representative I spoke to said my account is now closed and I would be mailed a check for {$100.00} ( my balance before my stimulus and tax returns were deposited ) He stated my account was closed on XX/XX/XXXX so they do not have my {$1700.00} tax return. Its been almost a month and I have yet to receive any check and am not able to update my tax return. I also filed complaint with XXXX  and theres dozens of complaints all with the same story. I want to find out what I can do to recover my stolen funds regardless of the fact they closed my account with no reason I need to know how to get my money from these crooks and they need to be shut down immediately. Also have to contact IRS and determine if theres anyway to recover my funds they stole from that. Being recently unemployed and desperate need of the money they stole from myself and many others is imperative. XXXX XXXX  is the name of the so called bank.

Company response to consumer: Closed with explanation