BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-03
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 is missing that should be on the report

Complaint:
After months of trying to repair our credit reports they still can not get it right. XXXX. Perhaps it is because they process off shore and while people speak English they do NOT comprehend it? Report XXXX STILL INCORRECT- REFLECTING INCORRECT BALANCES PAID TO ZERO A MONTH AGO! DISPUTES STILL NO NOT HAVE OUR SIDE OF THE ISSUE! AND OUR CREDIT SCORES STILL DISMAL! Why becuase they get thise they can never get it right NEVER becuase they only rrreprot what these loser banks and lenders snd when they send it. They in my opinion totally bias toward them and XXXX the consumer ans does the so called CFPB! Fact by nature of works or NOT! Of course all the XXXX on my report ipacts my wife. Evil knows what to do don't they?

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 2023-08-06
Company: Certified Credit & Collection Bureau
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from Certified Solutions stating I had an account that.was placed for collections. The letter listed a date of service, an account number, my name, a file number, and the balance due. In the body of the letter the was also a phone number to call Toll free for questions and a 24 hour automated customer service number. No where in this letter was listed thr name of the original creditor. So I called the toll free number and was told to hold for a person then the line was disconnected I tried this 2 times. Then I called the 24 hour line and was asked for my account number, which I put in, per the letter, then it asked me for my last 4 of my social security number. Well I don't give that out without more information so I hung up. I have 2 different letters with 2 different dates of service with no creditor information on them how can I verify that this is even my debt like this? XXXX  there is no information of how i can dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 LOAN Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2023-07-08
Company: Credit Control, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I'm writing to complain about Credit Control c/o " XXXX XXXX XXXX XXXX in which they claiming to represent them for an incorrect debt in the amount of {$700.00} on behalf of " XXXX XXXXXXXX XXXX '' I wrote and sent certified mail directly to both parties demanding validation of a contract showing that I owe this alleged debt. To no avail that has been submitted to me. I currently have an ongoing investigation with your assistance and the following reference number XXXX. Sadly, I have received another correspondence from Credit control after clearly stating in writing back on XX/XX/2023 that I do not owe the alleged amount to them, XXXX, and or XXXX XXXX XXXX. I asked them to submit in writing showing my wet signature of an agreed contract of this alleged debt, and showing that they are the authentic owner of the debt ( which I already know no such contract exist ) and I am within my rights to demand proper validation. I asked to not be contacted unless what I asked for is submitted, and yet as of XX/XX/XXXX I have another letter from Credit Control LLC telling me I have 30 days which to dispute or it'll be reported to my credit report. This is harassing and I am tired of it! I am asking for your assistance to stop all correspondence from Credit Control LLC, XXXX XXXX, and XXXX  regarding the alleged debt in the amount of {$700.00} that I do not OWE!!!!

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 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX 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 2022-04-05
Company: SYNCHRONY FINANCIAL
State: SD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive up to 3 phone calls a day from Synchrony Bank, with no information left except to contact them back and they leave a mailing address as well. 
Then randomly it will say its regarding a XXXX XXXX tools credit card, which I do not have, nor have ever owned. 
They call as late as XXXX sometimes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Ive sent letters of dispute but Ive never received an answer, items that are too old are still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: EQUIFAX, 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 XXXXXXXX XXXX XXXXXXXX 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 XXXX XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
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 was sent a pre-approved card from Capital One Quicksilver. I applied, was accepted and asked to provide ID, Drivers license and proof of residency, which I did via email. They sent my approval notification and I was given a credit limit. I notified the company that I would be out of the country, where and how long. I decided to use the card for all expenses. I purchased a few items and the hotel had charged my card with a {$200.00} hold. When I got to a discount store, my card was declined. I called Capital One to ask what the problem was and was told that I needed to re-submit my picture ID, Social Security card, and proof of residency. I informed them that I had already submitted my ID and proof of residency but would no send anyone my SS card. I was told that the card would remain suspended until those things were received because they wanted to make sure that I was indeed the person who applied for the card!. I explained that I was out of the country and depended on that card to pay for my expenses and asked them how was I going to survive without the card that they initially approved. The response was, " we will not reinstate the card without those 3 items and when you send them, we will wait 7-10 business days to decide whether we will re-activate you card. '' I suspect fraud by Capital One who approved me for credit and then decided to decline my card stating they needed to know if I was the person who applied, actually seeking more personal information for other purposes. They left me destitute in a foreign country! And had the audacity to send me a statement for payment by XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: NJ
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 Credit Bureau, fraud department, XXXX XXXX XXXX, XXXX, TX XXXX, back in XXXX, XXXX  I notice the following account on my credit report : 1 ) XXXX XXXX XXXX XXXX XXXX Account # XXXX, Close with a balance of {$1300.00}, 2 ) XXXX XXXX XXXX Account # XXXX, Closed with XXXX balance 3 ) XXXX XXXX XXXX Account # XXXX, Closed XXXX balance 4 ) XXXX / XXXX Account # XXXX, Closed XXXX balance 5 ) XXXX XXXX XXXX XXXX XXXX, XXXX balance. 

I disputed all 5 fraudulent accounts with all three credit bureau, and is still showing on my report with Experian Credit Bureau,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: 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: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX XXXX, XXXX I sent a check by mail to pay for a service I received. On XXXX XXXX, XXXX the payee said he did not receive the check. By the next bank statement the check had been cleared by a bank and the check had been altered. It was signed on the back by an unknown person who also added his/her name to the front of the check. I then made a claim to Chase bank regarding the stolen check, and they promised to resolve the problem within 120 days at the most. It is now 7 months later and Chase has still not reimbursed by account. I have filed a police report number XXXX. I have reached out to Chase multiple times and I still have yet to hear a positive response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
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: Reporting company used your report improperly

Complaint:
CFPB I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account number XXXX and XXXX  Account XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 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 2020-09-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am currently applying to the US SBA Office of Disaster Assistance for an Economic Injury Disaster Loan. They have placed four inquiries on my CBR as they are probably refreshing the information as my application goes through the necessary channels.

Experian is reporting this as four separate inquiries, when in fact, it should only be one inquiry. I have tried to bring this to their attention and have received that this is 'not disputable. ' Thank you for being here.

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 2021-05-18
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Hi i was taking at look at my credit report and i notice XXXX XXXX which is the company thats on my credit report was open back in XXXX and it has passed the which legal expiration date of 7 years ... i notice that they are re-aging the last activity which is a violation and causes damages to my report i will like for these outdated student loans to be removed ... i have requested this numerous times with the bureaus but no response ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I have documentation to prove that XXXX, fro. XX/XX/XXXX till XX/XX/XXXX edd benefits program online/edd et, al., and bank of america , XXXX XXXX XXXX  1. Hyjacked my idenity, maliciously stolen my idenity Have used XXXX of my personal gmails and my XXXX XXXX edd benefits program ( myedd ) accounts to chage my passwords usernames, from XXXX XXXX XXXX until current hyjacked chrome passwordsand user content. Kept ope accounts they have repeTedly change my uionline preferences, recieve notifacations. I have evidence proving that my claim history, payment activity, transaction details from XX/XX/XXXX til XX/XX/XXXX doctored and forged, and maliciously put in place to barr me, using my ppi illegally obtained through XXXX XXXX  user content, from XX/XX/XXXX until XX/XX/XXXX edd and b of a a.n. have been monitoring and using my gmails to communicate with eachother and continually collect unemployment pua disater funds and did not change thw transaction amounts back to cover their tracks. I found out yesterday that alot od ths messages in my ui o line inbpx were sabotaged so information that would have help me they helpwd themselvea i ztarted to investigate and noticed chages to amounts then got disconnected fron b of a online acess aswell as edd online acess, once i found the system the method in which there hidding and moving to transcibibg and XXXX XXXX XXXXXXXX  there using to conceal over 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 2023-09-05
Company: FISERV INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, when I checked my online chase bank account, I saw three fraudulent checks {$3000.00}, {$2400.00} and another {$3000.00} withdrawn from my checking account. I called XXXX XXXX department at the same night. They froze my account. 

After my chase checking account was frozen, there were two checks by the Telecheck services automatically rejected by XXXX. All fraudulent activities seems happen around New York where I stayed at Texas and never been to New York for the last 10 years. 

XXXX has investigated the fraud and refunded my account. 

Telecheck services sell the two rejected checks to debt collectors, I have responded with the debt collector, but Telecheck services continue to sell the debt to different debt collectors.

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 2021-05-18
Company: United Resource Systems, Inc
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account had no record that ever belonged to me with these authorities/leasers. I tried to contact them and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation