BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Since XXXX of this year, Chase has deducted {$34.00} from my checking account thirty three ( 33 ) times ( including 5 times this week ). That's {$1100.00} despite the fact I'm opted out of overdraft. They're supposed to decline all transactions if I don't have sufficient funds in the account, but they pick and choose which ones to decline. A lot of these charges are for transactions {$50.00} or less! I thought we had a law that curbs these exorbitant fees by these banks?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-27
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 status incorrect

Complaint:
So I am seeing that EXPERIAN, XXXX, AND XXXX IS REPORTING LATE PAYMENTS ON MY CREDIT REPORT. AS A CONSUMER I KNOW I HAVE NOT GIVEN THEM ANY PERMISSION TO REPORT THESE SUCH ALLEGED LATE PAYMENTS. I AM STRESSED THE HECK OUT BY ALL THIS NONSENSE AND THIS HAS CAUSED HARDSHIP TO ME AND XXXX FAMILY BC OF ALL THIS ALLEGED LATE PAYMENTS ... STOP THIS AT ONCE AND THIS NEEDS TO STOP THEY ARE IN VIOLATION OF THE FEDERAL LAW. I HAVE WRIITEN THEM NUMBEROUS TIMES AND STILL THE LATE PAYMENTS ARE ON MY ACCOUNT. I AM DEMANDING ALL LATE PAYMENTS OFF MY REPORT IMMEDIATELY. ACCORDING TO 15 U.S.Code 1666 ( b ) it states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes. Also 15 U.S.Code 1681 Sectiom 604 ( A ) Section 2 states a consumer reporting agency can not furnish account without my instructions. 15 U.S.Code 1681 Section 602 states I HAVE THE RIGHT TO PRIVACY.. THESE CREDIT AGENCIES ARE IN VIOLTAION OF THE FEDERAL LAW. AS THE COSUMER I DEMAND ALL THE ALLEGED LATE PAYMENTS REMOVED IMMEDIATELY. ... THIS IS A FEDERAL VIOLATION ... REMOVE ALL THE LATE PAYMENTS ON ALL MY CREDIT REPORTS.ALSO DO NOT EVER REPORT ANY ALLEGED LATE PAYMENTS IN THE FUTURE ON ANY OF MY CREDIT REPORTS...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: EQUIFAX, INC.
State: FL
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:
This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: MO
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:
These are all unauthorized and unknown inquires on my consumer credit and to my knowledge according to the FCRA legally these unverified & unauthorized items must be removed. FTC # 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 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 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 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 2023-12-16
Company: Experian Information Solutions Inc.
State: GA
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 have been the victim of the XXXX data breach, XXXX XXXX XXXX XXXX XXXX data breach. My information has been compromised I have noticed some more accounts and inquiries on my credit report that someone has opened that i have not AUTHORIZED. I have submitted an FTC report and I have a police report that i had obtained when i first noticed the identity theft. 

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 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 2023-12-16
Company: Experian Information Solutions Inc.
State: NC
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX  CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$34.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital One has committed a violation by not providing a1099c for submitting a charge off on my credit report. The IRS was notified that this account is a loss and was paid for as a write off. Therefore Capital One has committed a criminal act of fraud. Plus agreed to a settlement to remove the item from my credit report as paid in full upon receiving the check of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
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:
In accordance with the fair credit Reporting Act XXXX XXXX, Account number XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish an account without my instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.

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 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX 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 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 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 explanation
Consumer complaint received 2019-10-18
Company: The McHughes Law Firm, LLC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Ive been paying this company for years and I have the receipts to prove it. Their records dont match my receipts FROM THEM and  they are illegally taking money from me when my debt has been paid. This company has inflated the charges to the Point that I can not pay for my medicine after a recent XXXX. That have taken advantage of my age and health by continually taking my money to cover a debt that will be paid off if they were to add the valid receipts that are not on their printouts of my payment. Im tired and I have to have money to ensure my health. This company is paid and I want any involvement with this removed from my life and my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

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 2023-12-13
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Service provider : Venmo. 

Details : I set up two transfers on XX/XX/XXXX, for {$250.00} and {$54.00}, money to be withdrawn by Venmo from my XXXX  XXXX XXXX checking account. On XX/XX/XXXX, Venmo withdrew the intended {$250.00} and {$54.00}. BUT, on XX/XX/XXXX, Venmo withdrew a duplicate {$250.00} and {$54.00}, which was unauthorized. Venmo did not notify me of this problem. I checked my bank account balance this morning ( XXXX XXXX ) and saw that the money had been taken twice. When I contacted Venmo, they said they are aware of the error and are working on fixing it. They couldn't provide a timeframe. They also did not have an official channel for me to file a complaint, only saying that they had created a help desk ticket for me. 

It is unacceptable that these duplicate transactions occurred. That is an additional {$300.00} of my money that is currently missing and I need it and I don't know how long I will be without it. It is additionally unacceptable that I wasn't notified of the problem, and I am only lucky that I saw the problem myself so I could do some damage control and make sure that my checking account won't go into overdrawn status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Dovenmuehle Mortgage, Inc.
State: TN
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:
XXXX File Id # XXXX Will someone at XXXX PLEASE CORRECT MY CREDIT REPORT? I have repeatedly brought this matter to XXXX, but they keep stating that the information reported is correct, but it is clearly not. I previously disputed this issue on XX/XX/XXXX and XX/XX/XXXX, and it was incorrectly addressed. If my credit report is not corrected, I will file a suit against XXXX and DovenMuehle Mortgage/XXXX for purposely reporting inaccurate information to my credit report, violating FCRA 523 ( a ). 
XXXX and DovenMuehle MortgageXXXX are inaccurately reporting that I have a balance of {$17000.00} for a Student Loan. First of all, I have never taken out a student loan with DovenMuehle MortgageXXXX XXXX Secondly, DovenMuehle MortgageXXXX most likely does not provide student loans as they are strictly a mortgage company. Thirdly, I once had a mortgage with DovenMuehle MortgageXXXX ; however, the mortgage was originally sold to Lower and, most recently, to Provident Funding. Because the mortgage was sold, the tradeline for DovenMuehle MortgageXXXX should show a XXXX balance and is reported correctly as a XXXX balance with XXXX and XXXX. XXXX refuses to report the balance of the DovenMuehle Mortgage/XXXX correctly and instead is reporting the same tradeline information for my Dept Of EDXXXX for the DovenMuehle Mortgage/XXXX  tradeline. This means XXXX has for several months inaccurately reported that I owe {$17000.00} more than I actually owe, and as a result, my XXXX credit score is approximately XXXX points lower than XXXX and XXXX. This impacts how creditors evaluate my debt and has been detrimental and resulted in denied credit applications. This is my final attempt to have this corrected outside of court. If my credit report is not corrected, I will immediately file a suit against XXXX and DovenMuehle MortgageXXXX for purposely reporting inaccurate information to my credit report, violating FCRA 523 ( a ), and will seek financial remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Fidelity National Information Services, Inc. (FNIS)
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 want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report. I have attached supporting documents that substantiate my claim. Your prompt resolution of this matter is greatly appreciated.

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 2022-12-24
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:
I recently applied for credit from my bank and they denied it so I was curious as to Why? I find so many fictious accounts open and closed I tried to dispute it with Transunion and there page seems to of a sudden unable to Identify me when they just provided the report to me. I noticed as reviewing the report seems that there are NO ORGINAL CREDITORS trying to obtain anything seems like Third Party all thru the report. I believe Transunion may need to review the Fair Debt Collection Practice Act with all the Violations. They are causing XXXX of My Character and intending to cause me harm to my wellbeing.

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 2023-06-28
Company: Atlanticus Services Corporation
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Fortiva changed my retail card into a credit card without my authorization. They sent and email that I didnt opt out of. I deleted thinking it was junk but in no way agreed to a credit card. It now shows up in my credit report as a new account. I feel like this is fraudulent. Dont consumers have to agree to a credit card? What are my rights?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Nelnet, Inc.
State: VT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
From XX/XX/23 to XX/XX/23 I have attempted to contact Nelnet to address XXXX serious issues. XXXX. I have not received a bill. XXXX. My personal information has changed but I did NOT make any changes, and I am unable to get through to Nelnet. They never answer the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: Paypal Holdings, Inc
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had an account with PayPal with an outstanding balance of around {$50.00}. PayPal has a system where they require people to verify their phone numbers on their website and I had changed my phone number. PayPal, however, wouldn't grant me access to my account if I didn't enter the verification code that was sent to my phone number that I no longer had. 

I contacted customer support, they refused to provide me with a reasonable solution. I was locked out of my account and they refused to work with me to help me retrieve my outstanding balance so that I could close out my account and move on. 

Instead, the representative made me refund my friend ( who sent me the money to pay for a bill ). There was no other alternative, they MADE ME give my money back to my friend and have to bother him because the incompetent staff at PayPal refused to help me. They refused to get in contact with their technical support team, they refused to credit me MY money, and then they suggested that I either refund my friend or donate it to a charity of which they refused to tell me specifically which charity it went to. In other words, they were extremely angry that I was leaving them and refusing to do business with them, so they decided to punish me by refusing to pay me the remaining balance in my account. They still refused to pay me my money and I had to bother someone else because they refused to do anything to give me my money. 

PayPal has stolen money from me. It was my money and no matter which supervisor I spoke to, no matter what I did for them, they refused to resolve the issue. They refused to pay me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
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:
I revisited my credit file and to my dismay, I see damaging reports that you failed to either CORRECTED or REMOVED. Under FCRA it is my right to dispute and take proper legal actions against any inaccurate and missing information in my report. I am asking you guys to perform a logical investigation on these 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