BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-31
Company: Northstar Location Services, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a natural person/ not a third party company Northstar location service sent post card stating that I owe an alleged debt without the 5 validation of me owing such debt pursuant to 15 usc 1692g from the fair debt collection practices act and violated my consumer rights and I seek remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My PayPal account has been permanently XXXX, and the account balance has been frozen for 180 days. I have received a cash withdrawal email notification from PayPal, but I can not complete the associated bank and withdraw cash. I have contacted PayPal customer service many times and the problem has not been resolved. It has brought great pain to my family. big trouble please help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22
Company: AXOS FINANCIAL, INC.
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Inability to recognize payments, and now racking up late charges and ridiculous catch up payments and undoubtedly reporting this account late to credit bureaus further ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: JPMORGAN CHASE & CO.
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:
Please see attached pdf which summarizes dates, contacts made, and purpose of contact. 

At the end of XXXX I noticed several charges on my credit card that I didnt make. The charges were made in XXXX, Texas and I live in California. One large amount to XXXX XXXX for almost {$4000.00}. Also XXXX charges to XXXX  XXXX. I have reported this to Chase and they have come up with different reasons for not validating the fraud. XXXX  XXXX  because I ordered from them ONCE before about 6 years ago in XXXX XXXX using a different card. I didn't even have this card then. XXXX XXXX because they said that my home phone number was called and the charge approved. This is not true and they will not show me any proof. They originally denied claim because, they said, I was notified by email and didn't respond. I hadn't even seen the email until after I spoke to them. 

Please see details and dates in the document. I'm also attaching copies of the receipts and invoice from XXXX XXXX and charges from my statement for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
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:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accountsis updated, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$480.00}

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 2023-03-14
Company: EQUIFAX, INC.
State: AR
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$490.00} XXXX XXXX  XXXX Balance Owed : {$610.00} ; XXXX  XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX  XXXX Balance Owed : {$550.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Experian Information Solutions Inc.
State: NV
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:
Manipulating credit score social security profile by re-ageing delinq negative reporting every 4 months on closed credit accounts on XX/XX/XXXX then removed to reage on XX/XX/XXXX same day of investigation in order to detriment and stress credit. Denied credit based on Experian illegal dispute predatory tactics on US Consumers personal credit. Scammer for debt collectors not entitled to consumer financials

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 2023-10-28
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Credit reporting 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 XXXX XXXX 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 organization has failed to provide a validation letter with a signed contract. A contract must be presented not an itemized bill. The company is not compliance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) Many items on my credit report are listed inaccurate among the three credit bureau agencies. As a victim of identity theft I have reported several alerts to my credit bureau accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
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:
On XXXX i sent the following letter via certified mail to all three credit reporting agencies. 


To whom it may concern, I have recently received my credit report and would like the following inaccurate information to be investigated. These inaccuracies are negatively affecting my life and would like them removed. 

XXXX  XXXX XXXX Account # XXXX Delete this account because all three bureaus report different Date last active [ XXXX XXXX XX/XX/XXXX ] [ Experian XX/XX/XXXX ] [ XXXX XX/XX/XXXX ] XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Delete this account because all three bureaus report different Date last active [ XXXX XXXX XX/XX/XXXX ] [ Experian XX/XX/XXXX ] [ XXXX XX/XX/XXXX ] XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX Delete this account because all three bureaus report different Date last active [ XXXX XXXX XX/XX/XXXX ] [ Experian XX/XX/XXXX ] [ XXXX XX/XX/XXXX ] Please send me a new credit report reflecting these changes. 

Thank You XXXX XXXX The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are still differnt date last active being reported on each account. 
I have attached 2 credit reports, a credit report before and after the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
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:
I am a victim of identity theft

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 2018-12-04
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am submitting a complaint against XXXX XXXX. This company has placed a collection on my reports claiming to be collecting for XXXX XXXX. 

XXXX XXXX has not onced properly verified or validated the debt according to the FDCRA. Also XXXX XXXX has no legal right to collect the debt and the reporting of the debt is violation of the FCRA. 

This third party debt collector that has no Contract between i and them has no legal right to collect on this debt or place themselves in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
This complaint is in regards to Wayfair Order # XXXX I earned {$180.00} and decided to use my points to purchase four items. 

The total of my order was {$190.00} - which left {$9.00}. The sytem showed me that was how much would be charged to my card! But when I checked my email, it didn't use my points at all and instead charged me the full amount! 

It felt like a scam and I contacted Wayfair and no one responded to me. I wanted to keep my items, but after no response I asked for refund tags. The problem with Wayfair is they don't give 100 % refunds! 

They charge a tax refund and return of shipping cost. 

So even if I returned the items they charged me for, they would still keep {$41.00}! 

I will accept either a 100 % refund and I can return the item or I can keep the items and Wayfair can use all of my points and charge me the {$9.00}, as I orignally indicated in the checkout page. 

I sent them an email requesting a full refund to my credit card statement and asked them to use my points as I indicated on my confirmation page.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
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 is missing that should be on the report

Complaint:
MY CREDIT SCORE FACTORS SHOW OLDEST ACCOUNT 10 YEARS OLD & AVERAGE ACCOUNT JUST 2 YEARS OLD I DISPUTED THIS INFO SHOWING I HAVE MANY ( AT LEAST 5 ) ACCOUNTS BEEN OPEN ( CLOSED/PAID NOW ) FOR 7 YEARS OR BETTER ALSO MY OLDER ACCOUNTS ( PAID ) PAYMENT HISTORY DOESNT REFLECT ACCURATELT FOR OLDER TIMEFRAME

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 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 

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 2023-12-14
Company: Experian Information Solutions Inc.
State: RI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not give concent to any company nor reporting agency to report any payment or transactions on my credit file. 

Written Notice Per the FCRA as a federally Protected Consumer I am now opting out of any and all authorizations I the Consumer may have given you written unwritten verbal and nonverbal per 15 usc 6802.

The Privacy Act of 1974 prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual. It also protects individuals by ensuring that federal agencies only collect personal information that is LEGALLY AUTHORIZED and necessary. 

Some examples of privacy violations include : *Sharing data with third parties WITHOUT AUTHORIZATION *Using customer information for purposes other than its intended use Some exceptions to the Privacy Act include : *Information FOR a CIVIL ACTION proceeding *Material reporting for INVESTIGATIVE EFFORTS related to CRIMINAL LAW enforcement. 

All listed below who are in violation * XXXX XXXX XXXX Acct # XXXX * XXXX AcctXXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX * XXXX XXXX Acct XXXX XXXX * XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX * XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX * XXXX XXXX XXXX XXXX Acct # XXXX /Acct # 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 2022-12-14
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 XXXX XXXX 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 XXXX 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 XXXX rept but they refused they had me on mute for XXXX 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 XXXX now XXXX homeless XXXX cant provide to my XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-05-30
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There is debt on my credit report that I did not create. I suspect someone opened an XXXX XXXX XXXX account in my name and now it is fraudulent, past due several years, and with collections. I didn't realize what happened at first and then discovered it later and am trying to recover my credit. 

I suspect it was my mother who had access to my social security number, but I'm not sure how I am able to prove this or why XXXX XXXX XXXX let the services last for so long without terminating as the bills were not being paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: JPMORGAN CHASE & CO.
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for the SouthWest Airlines Visa Platinum Credit Card on XX/XX/2022. I received a denial of credit letter from Chase stating why I was denied. As stated in the letter dated XX/XX/2022, their decision was based on information they received from a credit bureau using a credit score.

It is my comprehension of Regulation Z and Title 15 USC Sub-chapter 41 I thru VI, more specifically, Title 15 USC 1691a that any application that is denied for any reason is discrimination. I filled out the application in good faith as an applicant and an extender of credit.

I also comprehend this extension of credit in the form of a card would be used primarily for consumer credit transactions for personal, family, and household purposes.

It is also expressed in 15 U.S. Code 1691a ( c ) the term " Bureau '' is in reference to the CFPB. If that is the case, which credit bureau is the letter referencing?

Accordingly, 12 CFR 1026.2 ( 15 ) ( i ) states any card is a credit card. During the process of filling out the application, I provided my Social Security number from my Social Security Card. If I provided this number, why was I denied? When I provide other card numbers, debt gets paid. Using this logic, I must have prepaid for this credit card when I provided my Social Security number. So, why was I denied?

I believe this information to be true and factual because Congress says so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: CA
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:
I did not authorize any of the hard inquiries listed in this letter. This is not an opportunity for you to investigate as I have provided an identity theft report listing all of the unauthorized inquiries.

15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report Failing to comply with deleting the hard inquiries listed from my credit report within 14 business days will result in violating the Fair Credit Reporting Acts federally protected laws meaning Experian will be liable to me for statutory damages for Experians misconduct as per the FCRA ( 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) ).

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 2023-12-04
Company: EQUIFAX, 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:
The unverified ACCOUNTS indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these ACCOUNTS to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following ACCOUNTS to be corrected from my file right away 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 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 response to consumer: Closed with non-monetary relief