BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-08-14
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Fee Invoice Invoice no. : XXXX Dear Customer, From : XXXX XXXX XXXX MONEY RECEIPT - Regarding Your Payment Kindly Check Your Order Bill If You Want Refund Call Us @ Order Number XXXX XXXX ________________________________________________________ Thank you for using PayPal. 

Your Account has been charged with USD XXXX and will be going to deduct from your account with in 24 hours. If you did not recognize this transaction or want to cancel these charges. 
Please contact Toll Free Customer Support Number : XXXX ( XXXX ) XXXX Order Number : XXXX Invoice Amount : USD XXXX Invoice Date : XXXX XXXX Due Date : XXXX XXXX  Payment Mode : Online Contact Our Customer Support team XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Chase Freedom sent me a card that I never applied for. I received the card in the mail on Friday XX/XX/XXXX. I called their customer service number on XX/XX/XXXX, and am on hold with them now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Paypal Holdings, Inc
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/12 received an email from Paypal that acell phone was purchased through my Paypal account. It was {$500.00}. I gave me a customer service number to make my complaint. Sadly I ended up giving my SSI, BD, pin, account number to my XXXX account. In the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) called me. After the discussion I was told it was ascam. My heart dropped and I was XXXX XXXX XXXX XXXX They had me open upe crypto account, XXXX. What a terrible place I am in. I have a copy of the email but cant attach it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: EQUIFAX, 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:
This is a dispute with XXXX regarding a fraudulent application for an overdraft protection loan opened in my name by my ex-husband as a co-signer but one where I was listed as not authorized to use. 

My ex husband stole my identity and opened up a joint overdraft line of credit on a checking account back in XXXX. He then put me as Non-authorized user so I never knew about this account or received any info about it since the address on file was never my address. Even until today, I am unable to find out any information about this account because I am not an authorized user. 

He stopped paying the balance back in XXXX, after we divorced, and this account is now a negative on my credit report. When I call XXXX, they can not give me any information because Im not an authorized user. 

I have taken steps to clear this issue by requesting my original signature authorization or any documents that I supposedly signed to open the account. My plan was to take these documents and have them analyzed by a certified forensics handwriting expert ( I had to do this with other issues with my ex husband. He is a criminal ). They said they do not have the documents. How am I able to prove the application was fraudulent if they didnt keep the documents to analyze? 

As a result, they denied my claim of fraud for lack of documentation but will not tell me what documents are required. Im hoping making a complaint with the government under oath will show my complaint is legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My auto pays were being declined, I phoned the bank the Wednesday before XXXX and was told that I needed to go to a branch with ID, and if I failed to do so, my account would be closed in 8 days. When I asked for the reason, I was told the account had fraudulent activity. I asked what kind of fraudulent activity I was told that was all the info they would give me. On XX/XX/2023 I went to a Chase branch with ID and was told the account would be accessible in 48 hours. It is XXXX XXXX, XXXX  and I am unable to get cash or pay bills. I explained that I am XXXX and my husband is XXXX and we need these assets to live on, that I now live 1.5 hours away from a Chase bank. And according to NYS ELDER LAW, it is a felony to withhold assets from a vulnerable, elderly person who needs those assets to live on. They have lied consistently about when my account will be unfrozen, and refused to give me an additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I began receiving collection letters from RS Clark and Associates on XX/XX/2022 for a medical debt from the original creditor XXXX XXXX Dermatology and I have disputed the several times. RS Clark repeatedly says the debt is verified. I have disputed the debt and per the US Government, all medical debts under XXXX shall be removed from credit reports. The total of this debt is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: MRS BPO, LLC
State: VA
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:
I purchased a American XXXX from a pet store in XXXX at the very start of what would become the COVID pandemic and was told that I could get a loan with no interest on the dog. I was guided through the application and signing at the desk with a staff member who did not show me any paperwork, said everything to me word of mouth and instructed me to sign documents that were not viewable until after everything was done. They completely lied about how the entire operation worked. My plan was to get the puppy and then use my tax return to pay off the sale amount around a month later. When I called XXXX to pay off the dog they told me that I had to pay well over XXXX dollars with a XXXX sale price. I tried to return the dog because I couldnt afford it but they told me that I will still be responsible for the entire amount and that I was leasing the animal. I HAD NO IDEA this was never shown to me or instructed until after my paperwork was sent after the sale was done. 

Fast forward until now, Leasing animals in Virginia is illegal ( i was not aware ) they have sold my account to collections, MrsBpo llc for a amount owed of XXXX. This is absolutely frivolous and new to me against the law. The contract I viewed clearly states I am leasing which is clearly illegal. I am terrified this will go on my credit or I will continue to be harassed with letters after I told them I was taken advantage of at the store and could not afford that amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I haven't XXXX credit card ending in XXXX, they did not resolve my XXXX dispute for reference number : XXXX It is in the amount of {$240.00} XXXX, I'm pretty disappointed, and did not expect this. 

The service was miserable of this XXXX listing i stayed at and I did not expect this. 

Secondly they have applied a {$7.00} cents on my credit card out of no reason, I do not know how come the payment got returned. 

Customer service is a disaster, and it takes forever to reach a customer service agent and they keep on transferring to another person, and it never gets resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: United Collection Bureau, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Account United Collectioin # XXXX I'm unware of these accounts and did not have the opportunity to dispute them. Please provide Validation of Debt, Assigment of Debt, and Method of Verification. 

Please provide the " certfied mail receipt '' showing I have recieved the notification, per the law. 

Please all request listed of you will be in violation of the FCRA. 

Retreat this account from collections and remove it from my credit report, if you have not already done so. 

According to HIPAA, you have no permissible business reason to supply a third party collection agency any information regarding myself or my medical history due to no money being owed. I have no desire to cause you unnecessary difficulty, however this unnecessary negative information reporting on my credit profile is beyond damaging. 

Once I receive the response from the credit reporting agencies and if the account HAS NOT been deleted, I will be forced to take action to protect my rights as a consumer under HIPAA, FCRA and FACTA rules and regulations. Rather than through what would undoubtedly be a hassle for both you and I, please do as you have been instructed and what is right according to HIPAA requirements. While, I would rather handle this between you and myself, I am prepared to do what needs to be done to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: Penn Credit Corporation
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I'm extremely disappointed that Citi was unwilling to waive two $ 25 monthly fees ( XXXX and XXXX ) incurred due to the checking account dipping below a certain balance limit. Given how much I use the Citi credit card and how much money the bank made off the purchases fees, it's greedy beyond a reasonable level to take money out of people 's banking accounts for minor issues. I'm contemplating on closing all the accounts once for all and switch to XXXX for good.

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 2023-08-13
Company: DISCOVER BANK
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: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello, I am filing this complaint in regards to my Equifax credit report. On the fourth of of XX/XX/2021 I tried to access my Equifax credit report and create an Equifax account ; however, I received the following error code " Please give us a call. We can't complete your request at this time. Please call the Customer Care team and mention error code NH. tel : XXXX XXXX XXXX XXXX '' That same day XX/XX/2021 I called Equifax via the telephone number listed above. They said I needed to have at least three open accounts to receive a credit score, and I should check with the other credit bureaus as well. They said the error code NH meant " No History ''. I then stated that I did have three accounts open ( including a revolving credit account ), and I also have access to my credit score from XXXX  and XXXX. After I stated this, the Equifax employee told me I needed to fax a cover letter ( stating that I need to validate the current information on my file and mention the issue ), date of birth, complete name, address, social security number, and drivers license. 

On XX/XX/2021 I faxed these documents to Equifax about twice ( just to be sure ) to XXXX. On XX/XX/2021 I called Equifax to see if they received my documents and they said they did not receive the documentation. I faxed it again the following day, and called Equifax again on XX/XX/2021 and they said they still had not received the documentation. I would like to get this issue resolved as soon as possible, because I am not comfortable with sending my information again. 

Thanks a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: EQUIFAX, 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:
Re : Disputing errors on credit report To whom it may concern : I am writing to request a correction of the following information that appears on my credit report as of today XX/XX/. This information is fraudulent, and I did not make nor authorize for my credit to be assessed. I am the victim of identity theft and do not recognize these accounts. I am requesting that my report be updated immediately to reflect removal of the following accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-07-10
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2020 I received an email for a Barclay - jetblue Plus credit card with an offer for XXXX bonus points by spending {$1000.00} and paying the annual fee both within ninety days. The offer was enticing and I immediately applied online. 
On XX/XX/XXXX I received a congratulations email welcoming my account. On XX/XX/XXXX the card was activated. I met their financial requirements and but did not receive the bonus points they offered despite more than meeting their requirements. 
I called Barclay in XXXX inquiring why the points were not applied. I was told they will look into it and on XX/XX/XXXX I received a letter from them stating only : " We're currently unable to assist you with your Rewards issue ''. No other reasons were included. 
The card is JetBlue Plus by Barclays last four digits XXXX telephone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX CC Doc 1 Email offering Doc 2 Congratulation welcoming Doc 3 Card is active Doc 4 letter from Barclay

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 2021-07-10
Company: KEYCORP
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX letter from key bank XXXX XXXX XXXX XXXX oh XXXX " Due to the circumstances of your Account we are not reporting the Account to the consumer credit reporting agencies '' The auto loan was reaffirmed XXXX. I have made all payments. They can not tell me what " circumstances '' means. They have not sent me a monthly billing statement in two years or made it available online.I would like both issues to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The accounts I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$720.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$10000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$640.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3600.00} XXXX XXXXXXXX XXXX XXXX Balance : {$550.00}

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 2023-02-09
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I've sent certified mail asking for the company to remove the fraud alert

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 2021-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
on XX/XX/2021 i filed certified mailed in disputes to dispute fraudulent activity on my credit report. i asked the credit bereau known as Transunio, XXXX, to complete and remove all negative items they had 30 days to resolve the dispute instead they did not ccomplete my dispute in a timely mannere by law thety have to remove those disputed items they are constantly letting these fradulent creditors report inaccurate items on my credit report im a victim of idenity theft i have no knowledge of any potential negative items or any items reflecting on my credit report please have the credit bereau to remove all negative items from my credit report im currently going through a attorney to legally sue the companies for reporting fraudulent information and selling my personal information to every creditor refectin gon my personal credit report items negaive are XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCLUDING ALL INQUIRIES NEEDS TO BE REMOVED AS WELL

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 2021-07-10
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: Account information incorrect

Complaint:
I have sent TransUnion severs letters asking for verification of the accounts. Trans union is updating accounts without properly investigation. I am not aware of any of the accounts reporting, therefore they need to all be DELETED.

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