BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-27
Company: EQUIFAX, 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:
The accounts listed on my consumer report contain late payments. I have disputed this with this burau and have not been sent any proof that the late payments are accurate. I was never late with any payments. 

Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Wouldn't this be considered an experience Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XX/XX/2020 I received on my credit report a debt of XXXX from an unknown company. ( MBA LAW ) This is a medical according to MBA law.

I did not sign a contract neither did I give anyone permission to violate HIPPA laws if this is a medical bill.

I called this company and they told me I must pay them the debt that was sold to them!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-13
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX a check was deposited into PayPals online account I made which was my check but did not upload. My card that was with PayPal which was a debit card was stolen and someone withdrew out {$400.00} which included fees. I was able to recover the funds after having rude customer service when I was calling. Then I was told they would hold my funds for 6 months/180 days which I can not and will not wait for. I told them numerous of times what happened and that they need to release my funds so I no longer have these issues and do not want to do business however they put a limitation on my account without proper investigation and refuse to give back my remaining funds. This is not a good way to treat customers who wanted to trust PayPal. I can see if they held it for less than 4-8 weeks but over 180 days is too obsessive. Some people dont even see their money after 180 days and I do not want to be scammed by PayPal so please help and I hope this help others who are being robbed by them as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 hope this letter finds you well. I am writing to express my ongoing concern regarding an identity theft issue I reported in my initial letter dated XX/XX/2023. Unfortunately, the matter has not been resolved despite my efforts, and I am experiencing financial repercussions due to the prolonged delay. Here is my previous claim number XXXX. 

I have diligently followed the necessary procedures to fix this situation, but the lack of resolution within the past XXXX days has prompted me to seek more help. According to my research, given the circumstances surrounding this identity theft case, I am entitled to compensation and data removal. 

I request a thorough review of my claim and a swift resolution to alleviate the financial strain I am currently facing. I would greatly appreciate your attention to this matter, and I am hopeful for a quick and positive outcome. 

Thank you for your time and assistance.

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 2023-04-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-08
Company: EQUIFAX, INC.
State: NV
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 am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I made a purchase at XXXX XXXX XXXX furniture store on XX/XX/XXXX. This purchase was made with no interest with an equal amount of payments. The promotion expired on XX/XX/XXXX. I set those payments up for automatic recurring ACH payments from my checking account. This was account XXXX according to TD Retail Card Services . 

I made an additional purchase from XXXX XXXX XXXX furniture store on XX/XX/XXXX. This was a deferred interest with payment, expiring on XX/XX/XXXX. I set those payments up for automatic recurring ACH payments from my checking account. This was account XXXX according to TD Retail Card Services . 

As my promotionalTD Retail Card Services XXXX XXXX XXXX  was going to expire, I had an accrued interest of {$490.00} on # XXXX. I called TD Retail Card Services toll free number XXXX a number of times, and was repeatedly told ( on a recorded line ) that there was no way for me to direct a specific payment to the expiring promotional sub account. 

I was placed in a situation of either paying off the entire account ( both purchases ), or my deferred interest was going to post to my account. I felt coerced, and paid the entire balance off of {$2400.00}, as it was evident to me that their business model is to force the consumer to have that the deferred interest post to the account. 

I complained to XXXX XXXX XXXX also, since their corporation made me, the consumer, deal with the finance company that they choose to do business with. Nobody was willing to do anything to address this, and I hope you can, as I am now short on cash as a result.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-03
Company: Southwest Credit Systems, L.P.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SouthWest Credit XXXX XXXX XXXX, XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Last Four of SSN : XXXX VIA USPS CERTIFIED MAIL/RRR # [ XXXX XXXX : Alleged Original Creditor : XXXX XXXX XXXX Original Creditor Account Number : unknown Debt Collectors Account Number : XXXX Alleged Debt Amount or Balance : {$120.00} Dear Southwest Credit : I recently received communication from you date XX/XX/XXXX attempting to collect the above-listed alleged debt. Your initial communication to me in attempt to collect the alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. I noticed this morning you have already violated section 1692G and dunning letter laws by listing the account on my credit report ( this is a FDPCA VIOLATION ). Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my requests above within 14 days, then you are excused from verification. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney. Also be advised you to have already violated the law by placing this account on my credit report prior to waiting the requiring 30 days under the FDPCA and dunning letter laws. I will be forwarding this information to CFPB and my state Attorney General. I will also be following up with your compliance officer which I looked up on XXXX XXXX his name is XXXX XXXX and if you do not remove it ; he will be my next level of contact for your blatant violation of the law. Lastly, Ive bought my home in XXXX and Ive had XXXX  for the last 14 years and I am current XXXX  customer right now! Your company has tried to collect on this alleged debt more than once and I continue to tell your company your records are wrong! My consumer rights attorney has advised I send this letter and we are keeping copies of everything ; further, this information will be sent to Alabama XXXX XXXX and the CFPB. 

Sincerely, XXXX XXXX Enclosure cc : Consumer Financial Protection Bureau via fax XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, 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 recently checked my credit report and noticed many inquiries that was made without my knowledge. I am requesting once again to have all these fraudulent inquiries removed from my credit report : Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX NA Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date XXXX XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX  XXXX XXXX Inquiry XXXX : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX, XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason XXXX Miscellaneous Creditor Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  Inquiry Date XXXX XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : Miscellaneous

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: JPMORGAN CHASE & CO.
State: MA
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:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-26
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2021-04-02
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX I received notification from Navient stating that my loan was leaving forbearance and would be due in approximately 30 days. the letter was dated XX/XX/XXXX. In XXXX I received notice stating that my account was 30 days delinquent and a double payment would need to be made. I contacted navient directly and after an extended phone call including a supervisor and a representative It was agreed that there would be a payment plan of three payments to bring the account current and the delinquency notices would be stopped. this did not happen and my cosigner has told me that they are receiving calls regarding my account after my phone call and agreement with Navient and it appears that navient has also erroneously applied a payment they sent for another account to my loans instead. I was unaware of this extra payment until today, XX/XX/XXXX when I called them to ask why I received another delinquency notice today when we were on an agreed payment arrangement that was supposed to stop these communications. 

their system has had these same issues for the entire time I have been in repayment. they will send a notice that magically isn't reflected in their system, but will show that instead a statement was sent during the time the loan was on forbearance and no account payment due documents should have been generated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
There are TWO claims with this institutional that were wrongly charged. 

1. Claim XXXX XXXX. The amount in dispute is {$32.00}. I received a parking validation for this. The amount that should have been charged is {$4.00} not {$36.00}. I provided Bank of America ( BOA ) with the documentation - including a validated parking ticket - information on the prices for validation and documentation of systematic overcharging by this parking facility on multiple occasions. I faxed the documentation at least 3 times with proof of fax confirmation. They kept saying they never received the information. I provided all evidence requested. I was told I would get a call back and I did not. Spoke with Supervisor XXXX XXXX never give full name ) who was disrespectful and unhelpful. Bank of America should have partially reversed this amount and they did not. 


2. Claim XXXX. BOA is allowing a charge for for services never received. There is no evidence that I received any services in my overseas trip. When I filed the claim, I did not recognize the charge although I did recognize that it was from XXXX which is where I traveled, to. This is why I did not file a fraud claim. Because I did not know of the vendor although it was possible that they mischarged me. Yet, BOA is allowing for a charge that I know nothing of and did not receive any services from. There is no signature ageeing to abide by the terms of the credit card, so why is BOA allowing for a change that has no signature/acknowledgement? This goes against basic consumer rights.

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 2021-04-02
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Inaccurate start date of account, inaccurate payment history, inaccurate payment dates, reports late payment on closed account, inaccurate or unverified dates of first and last payment made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
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: Information belongs to someone else

Complaint:
PLEASE HELP. I am a victim of identity theft and did not make the charges. I ask that the items be blocked to correct 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 explanation
Consumer complaint received 2020-09-26
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: Investigation took more than 30 days

Complaint:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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