BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-30
Company: Paypal Holdings, Inc
State: CO
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:
I am receiving what I believe are illegal emails from someone trying to steal money from me. I received an email on XX/XX/2021 ( attached ) stating I authorized a charge of {$690.00} to " XXXX '' for the purchase of a cell phone. I did not authorize any such payment ; I don't have a credit card or loan thru PayPal ; this was the first I heard of this. Believing it was from PayPal, and without thinking, I foolishly called the phone number in the email to dispute the transaction. The individual I spoke to ( male, middle-eastern accent, couldn't understand his name ) said he would have to report this to his fraud department, and then put me on " hold. '' The same individual came back on and said they would investigate the matter, however, I'm still going to be responsible for the payment. I asked him for details on what this was about, and he said I took out a PayPal credit card ( or loan? ) for this purchase -- making me responsible for payment. I told him I don't have a PayPal account, and I do not have any credit card or loan with them. He asked if I've had any problems with any other sites or banking institutions, and if so, who are they. I told him I had my debit card compromised by someone in California trying to purchase a game app. However, I contacted my bank, they cancelled that debit card and issued me a new one ; no money left my account. Then this fake individual passed this info to someone he was working with. He said he would need to confirm who I really say I am, and he proceeded by asking my name, SSN, email and phone number -- and I confirmed his info. That's when I suddenly realized this is not PayPal, the info in the " from '' line of the email should have alerted me -- but I was too surprised to figure it out. I immediately hung up the phone. However, I'm worried because he has this info. I immediately closed out my PayPal account and forwarded the email to PayPal fraud department. I also called PayPal, and they confirmed the emails are phishing ; there is no credit card or loan with them in my name. Then on XX/XX/XXXX, I received another email ( attached ) telling me the charge has been processed. I did not respond to that email, but I forwarded it ( again ) to PayPal. I feel better that PayPal has confirmed the emails are false ; to disregard them. But I feel what these people in these emails are doing is illegal and someone needs to be aware this is suddenly happening to me. I am XXXX years old, worked for 40 years and don't want someone thinking they can mess with my hard-earned money. I'm still kicking myself for not realizing they were phishing emails. I retired from XXXX XXXX and we get trained on this stuff! How could I not recognize it?!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To whom it might concern. My only and correct name as it appears on my social security card and ID is XXXX XXXX XXXX XXXX. My only and correct social security number is XXXX. My only correct address is XXXX XXXX XXXX. XXXX  XXXX XXXX, TX XXXX. My only Phone number is XXXX Please delete any name that is not matching my proof of identity. Please delete any addresses that you are reporting which are not on my proof of address attached. Attached to this letter you will find a copy of my identification, proof of address and proof of social security number. Once my request has been processed, please mail me a copy of my updated credit report reflecting these changes. My only job is XXXX please delete any other job that is attached to my file. Thank you.

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 2023-05-21
Company: Experian Information Solutions Inc.
State: PA
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 noticed a couple accounts on my report I do not recognize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: LA
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 filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-22
Company: Credit Plus Inc
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am not familiar with the company or agency Credit Plus that submitted inquiries on all 3 of my credit reports without my consent. I did not apply for anything with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XX/XX/2022, A fraudulent unauthorized hard inquiry from XXXX XXXX XXXX XXXX  was reported on my Transunion 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 2018-04-22
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
we were in bankruptcy in order to get a mortgage modification for our home loan due to the financial crisis. we started making payments in XXXX to the court and finally in XXXX a mortgage mortification was granted. we paid all our payments on time and we were actually paying one month ahead. When I called to make my monthly payment ahead of schedule they told me my payment had increased for by {$600.00} per month? When I questioned them they said there was an increase in my escrow, I called m y attorney and nothing had been filed with the court, the mortgage company faxed me the paperwork and the escrow report, the escrow report shows in XXXX they took {$3000.00} out of my escrow account then the escrow we paid in XXXX, XXXX, XXXX and XXXX of {$290.00} was not applied towards our escrow account then they paid our property Taxes and insurance making us even farther behind. I gave them the {$1600.00} I had paid ahead for our mortgage payment and paid them extra month to get the escrow caught up. We have requested and requested an escrow audit and it took more than 9 months but I received no explanation and only received a call that our payment would be going down by {$3.00} and I received a check for {$150.00}. We completed our chapter XXXX bankruptcy and it was discharged on XXXX I once again am one month ahead on our mortgage payments we received a statement that we had a {$400.00} unapplied credit and I made my XXXX and XXXX payment in XXXX and when I received my XXXX statement it showed we still had the {$400.00} unapplied credit but that our payment was now {$100.00} more because our escrow payment was higher, we received nothing in advance with no explanation of our escrow account?? When I called to make my XXXX payment in XXXX and ask them about the unapplied credit they said they had no idea what I was talking about even after it was on both statements they sent me, I again asked for an escrow audit report from the beginning and where the unapplied funds came fro and where all our money whet and why our escrow had increased without prior notice? Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Receivables Performance Management, LLC
State: PA
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:
On XX/XX/XXXX I was notified that a collection was placed on my account from XXXX so I immediately contacted XXXX to dispute it because XXXX was notified by me that my phone and documents were stolen long time ago and so I called the company ( XXXX ) to ask why I have a collection from them ( and to remind them that the phones was paid off ) and also notified them that my phone and important cards were stolen and I dont have access to the XXXX account to report what was going on the XXXX representative informed me that someone made a payment on XX/XX/XXXX ( that conversation happened on XX/XX/XXXX ) and she continued to say that my credit report shouldnt have a collection on it I was told by the representative that they will put a note on the account and remove it now today XX/XX/XXXX I am getting a notification from XXXX that they updated it and placed it back on my credit reporti immediately contacted XXXX XXXXXXXX XXXX to dispute it again and I contacted the XXXX XXXX again and the XXXXXXXX XXXX XXXX XXXXXXXX were acting suspicious asking me for address after she asked me for phone numbers and email on file. I asked her why she needed my address as she shouldve pulled it up when she put my phone number in and i told her not to update my address in the system because I know that theyre trying to pin account to my name so I told her I need to speak to her supervisor because shes being unprofessional by telling me that Im still obligated to pay for a service that I dont have nor owe any money on. She told me that shes going to connect me to the department that deals with the collection which is a different company named receivable performance management, a debt collection agent, but I keep getting reconnected to various representatives from XXXX for XXXX XXXX. No one from the collection department was answering the phone, so I just keep getting reconnected to XXXX Im super frustrated at this point.

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 2023-06-30
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2023 I received the following message from American Express regarding my no-preset spending limit card. Your Preset Spending Limit has changed We're reaching out because we wanted to let you know as quickly as possible that after a recent review, we have assigned a Preset Spending Limit of $ XXXX, XXXX  to your account. 
The annual fee that I have been paying on this card for the last 6 years, and the terms of agreement with the lender corresponds to a no-preset limit CC. Now, Amex arbitrarily chose to place a preset limit despite no late payment and balances paid in full. Whats more, at the time of this abrupt change my business was in the middle of making international payments with this card for US Gov contracts. Charges were suddenly declined with no fair warning. 
This goes against consumer protection laws. Additionally, it also goes against consumer privacy, since they are asking for my personal returns before deciding if they will reinstate the no-preset spending limit that I had for the last 6 years. I can not presently provide this information. 
The representatives I spoke to say that the decision is AI based and they cant do anything about it. The bot may choose to limit the card due to incremental activity. We have been using the card for business as always intended. Historically, charges have always been the same. This is blatant prejudice and disregard for small business.

After more than a 6-year perfect credit relationship with Amex, they have no right to arbitrarily limit my use while still charging exorbitant annual fees that correspond to a no-preset limit card. American Express needs to comply with the terms & conditions that I originally signed up for, and pay for. Otherwise, they are breaching consumer protection laws and putting my XXXX business at risk as an unreliable lender. They are also misleading the consumer by offering no-preset limits, at the most expensive annual CC fees in the market, and then turning around and modifying their agreements at will.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair credit Reporting Act. These creditors Have violated my rights. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX Under 15 USC 1681 section 602 : States i Have the right to privacy .

Under 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-08-29
Company: Experian Information Solutions Inc.
State: NC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-17
Company: Bread Financial Holdings, Inc.
State: VT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
This is a continuation of complaint # XXXX. I received another letter from Comenity dated XX/XX/XXXX stating they received my claim and were currently researching it and would take up to 90 days for their investigation. Their first investigation began XX/XX/XXXX for 90 days ending XX/XX/XXXX and now another 90 days to investigate their math error. I detected the error in a matter of seconds looking at my statement. They did refund the Interest charges and late fees but the unauthorized withdrawals totaling {$3000.00} is the more urgent amount they are requested to refund to me. Comenity has since transferred their credit card business over to XXXX XXXXXXXX XXXX  since XX/XX/XXXX and my account was not transferred due to their " investigation ''. I can not afford to have my funds held up indefinitely due to their math error since I live on SS and need that money refunded. XXXXXXXX XXXX XXXX can not issue a new BJs card until Comenity transfers my account over to them. I trusted Comenity with my business and I am very sorry I did. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: FL
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 RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN I HAVE BEEN A VICTIM OF IDENTITY THEFT.I WOULD NOT EXPECT SOMETHING OF THIS MAGNITUDE TO OCCUR. I FIND IT SURPRISING THAT I FOUND NUMEROUS ACCOUNTS ON MY CREDIT REPORT THAT WERE NOT OPENED BY ME. THIS HAS BEEN HURTING ME AS I AM IN THE PROCESS OF TRYING TO BUY A FOREVER HOME FOR MY FAMILY! PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT AS SOON AS POSSIBLE.

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 2023-06-15
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit 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:
My Bloomingdales credit card was used for fraud. The first time I saw the charges on my statement, I disputed the charges on line, I called the Bloomingdales fraud department, and I filed a report with the credit bureaus. This was XX/XX/2023 the first time the charges appeared on my statement, the charges were made in mid XX/XX/2023. My card continued to be compromised with fraud on line purchases and I continued to call and report on line. This happened despite being issued new credit card numbers. In XX/XX/2023 I received a notice that my claim was denied and the total charges of {$3800.00} plus {$250.00} interest were added back to my credit card balance. I have record that a rep told me that the items were shipped to XXXX. I live in NJ. I want these fraud charges taken off my account. I will appeal the resolution. Please help me in anyway you can to resolve this theft. Bloomingdales credit card is a XXXX XXXX credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have reviewed my credit report with transunion a few months ago made a complaint it was supposed to be corrected. It was removed and put back as a current deliquent account. I had requested that it was corrected and then it is now placed back on there as of XX/XX/2023. This is very damaging as I am working on my credit report and nothing has been fixed. At this moment due to the damage that this is causing I am requesting it be removed not only that, but a mometary payment becasue at this point it is very damaging and keeps causing my closing date for my house because I have to keep disputing these same accounts,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: GOLDMAN SACHS BANK USA
State: VT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
When I opened this card I had incorrect information on my credit report leading to me having extremely high interest. I have since discovered and corrected the error. I have spoken at length with Goldman Sachs employees to see if there is any allowances, processes, etc. To re-pull my credit or otherwise base my APR on my actual credit worthiness. I have continually been contacted by people who refuse to answer my questions or generally do not understand the question, but are happy to tell me there is no possible way to lower the APR.

Company response to consumer: Closed with explanation