BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-11
Company: CITIBANK, N.A.
State: NV
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:
In XX/XX/2019 I gave my credit card over the phone to make a {$1000.00} deposit with XXXX XXXX  XXXX XXXX to hold a used XXXX XXXX XXXX XXXX XXXX  for me for 10 days so that I could arrange to physically inspect it and then decide to comply the purchase if the condition was as advertised on XXXX as I lived 3 states away and needed to drive 3 days to get there ( XXXX, NV to XXXX, CO ). The merchant never provided me any of his terms or policy as to forfeiture of my deposit or that it was non-refundable and I signed no forms from the merchant to this effect. Upon arrival the unit was in very poor condition so I asked for a refund. The merchant XXXX said he would need to check with the actual seller directly first, as title was in the owners name and not the merchant. The next day I was informed that the deposit would not be refunded to me. I immediately called and started the dispute process with Citi which took over 3-4 months. I was then notified that Citi resolved the matter in favor of the merchant since the merchant had the power to simply refuse my dispute. This is not acceptable to me. The merchant has acted in bad-faith and his false advertisement of the product induced me to waste my time, effort and money. My wife is a witness as she was with me throughout this transaction and unit inspection. Citi has al of my documentation in their dispute file.

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 2020-02-25
Company: Ocwen Financial Corporation
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Send a payment of {$2000.00} on XX/XX/XXXX for mortgage payment was stuck in a suspense account! why!!!!!!!!!!!!! been on hold with my cousin for an hour and hung up on, called today XX/XX/XXXX transferred to 3 times to same department says call XXXX ext XXXX to call relationship manager XXXX XXXX had an appt today at XXXX california time NO CALL!!!!!!!!!!!!!!!!!!! 1 NEED A SUPERVISOR OR ABOVE! ON HOLD FOR AN HOUR ASKED FOR SUPERVISOR AND NOTHING! COMPLAINT WILL BE SENT WEEKLY UNTIL RESOVED AND WANT AN AMERICAN REP NOT FROM 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 2019-05-08
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened the account on XX/XX/2019 online. I added {$5000.00} via direct deposit to the account which was debited from my account on XX/XX/2019. 3 days later I tried to login into the account and it won't let me in. I called them on XX/XX/XXXX several times and after onerous verifications, they said that my account is restricted and I would have to visit a branch to get it working again. When I called my local branch in XXXX MA, they said that they can't do any sort of identity verification without my physical presence. I am out of state throughout the summer and I can't go to a branch to verify it. I asked both the call center and the local branch representative to close the account and send a check to my address on file. However, they said that they can not proceed without my physical presence in their branch. 

I understand their need for verification but they should not withhold my cash in case I am unable to go to their branch. I want them to close the account immediately and give me the money that they are holding back with interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 


Account name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiri

es 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: Experian Information Solutions Inc.
State: TN
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:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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 2023-12-14
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received notice from a debt collector I.C. System, Inc upon calling them, they said I needed to summit a Police Report and a claim form. They have not sent one to me as requested as their online system is not user friendly to summit one. As of XX/XX/XXXX  they say I owed {$360.00} with interest fees as of today I find that suspicious. This company have not been helpful in resolving this matter. Thanks for your 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 2023-06-23
Company: Experian Information Solutions Inc.
State: MA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-21
Company: Bread Financial 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:
I disputed the following information below contained in the attached files with XXXX, XXXX, AND XXXX and up until this day, these accounts are still reporting inaccurately on my credit file. * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COMENITY/XXXX  XXXXXXXX I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. XXXX, XXXX AND XXXX has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I recently have found out via XXXX XXXX that Navient has added interest to my student loans. My loans are currently in " In-School Deferment. '' I am a XXXX XXXX at XXXX University and interest should not be added onto my loans while I am in school. 

I would appreciate any help with this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
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:
I applied for a debt consolidation loan and unfortunately, I did not get approved. I called them to ask why I was denied and they told me that I didn't qualify because there are four accounts with negative history appearing on my credit. I looked through my credit report and sure enough, there are four negative accounts that I never opened. None of these accounts belong to me and I did not give anyone permission to open these accounts using my personal information. In 2013 I lost my wallet at XXXX XXXX XXXX XXXX which had my driver 's license, ID, social security card and my debit card. I did not authorize these companies to have access to my credit file now personal information ; I did not benefit anything such as money, goods, services or any other benefit as a result of these unauthorized accounts. I have filed this report to the best of my knowledge.

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 2017-05-02
Company: EQUIFAX, INC.
State: AZ
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. The information listed below, which appears on my credit r does not relate to any transaction  ( s  ) that I have made. It is the result of identity theft.    XXXX   XXXX  Account #  XXXX   XXXX   XXXX  CARD #  XXXX  ASC #  XXXX   XXXX  CARD #  XXXX  INTERNAL REVENUE SERVICE #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Experian Information Solutions Inc.
State: IL
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 filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days. I filed a 30 days demand to comply with the credit bureaus and still have yet to receive a responds.

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 2023-06-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: MD
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 have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Wrote check for {$13.00} dated XX/XX/2020. The check was presented to my checking account on XX/XX/2020 for that amount. On XX/XX/2020 an entry for the same check number debited my account for an additional {$1300.00} listed with description " checking debit adj '' resulting in a total of {$1300.00} being taken from my account instead of the correct amount of {$13.00}. 
On XX/XX/2020 I went to my local bank branch to see what happened. They gave me a copy of the check and printout of transactions including the one in question. The bank branch mgr told me to fax the info and copies to the payee to recover what they deemed an obvious overpayment. On or about XX/XX/XXXX I called the payee directly and was told they negotiated the check for {$13.00} and did not receive any additional monies. After receiving no follow up from the bank, I visited the branch again on XX/XX/XXXX after consulting a former banking employee about the legal amount I wrote on the check. The branch mgr insisted the check had not been negotiated twice, but rather " the Feds adjusted it. '' No explanation beyond that was given. Bank mgr ended the conversation by saying she notified their main office and filed paperwork accordingly. One final follow up I was told the payee must have the additional monies and the bank wasn't responsible., despite the payee claiming otherwise. 
The bottom line is it has been over one month since my money has been erroneously removed from my account through NO FAULT of my own. After calling the state of CT banking commission, they advised me to file this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-21
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
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 sent 2 letters disputing what was on my reports. The first response from them only stated that they verified the accounts but they did not show how they verified the accounts. I sent letters to the creditors as well who did not show any information as to how I owe them. The first letter was received on XX/XX/2018 By all 3 bureaus and the second letter was received on XX/XX/XXXX by all 3 Bureaus. The letters were sent through certified mail. The items in dispute are XXXX XXXX for XXXX, XXXX XXXX for XXXX, XXXX XXXX for XXXX, and XXXX XXXX  for XXXX. It has now been over 60 days since I started to try and get this handled with no results. The Bureaus are not following the laws that state that each account must be 100 % verified to be placed on my reports. They also are not sending the information in which I requested which is my right. The letters will show what I asked for. This is hurting my credit and my ability to do business. The letters I sent to the creditors also did not show any evidence as to how I owe them. So how can the reporting agencies say that they verified the accounts to 100 % accuracy if the creditors can not do that?

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 2019-09-03
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2019 PayPal debited {$12.00} from my account ( Unauthorized debit ) XX/XX/2019 I called PayPal. PayPal refused to return any dollars Issue : PayPal ( again ) makes unauthorized debits from my account. Previously PayPal made unauthorized debits/holds on my funds due to credit card charge backs. 

Dispute : PayPal, XXXX and US Postal Service have an agreement among the three to allow unauthorized debits for incorrect postage. I have no say in that agreement. 

Statement of Facts : I accidently switched two XXXX shipping labels. One label was for heavy package ( {$7.00} USPS small flat rate box ), the other light ( {$3.00} USPS First Class ). USPS debited the full postage cost of the heavy box ( {$12.00} ) rather than the correct cost of a small flat box EVEN THOUGH the item was clearly packaged in a USPS-issued small flat rate box which commands a postage of exactly and only {$7.00}. USPS has not to-date credited me with overpaying on the other package. ( {$7.00} paid rather than {$3.00} ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-25
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove Hard Inquiries and Fraud Account XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress