BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Investigation took more than 30 days

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

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 2019-02-23
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Paypal is attempting to collect a debt from what they claim is a chargeback from a buyer. This is an issue involving {$2200.00} for an item that was shipped to a PayPal user who subsequently damaged the item severely and is attempting to get his/her money back. Paypal had already closed this case out twice. I have the evidence backing that the item was damaged by the user. Paypal stated that they had contacted me about the chargeback case, yet they could not verify this. I have multiple emails from Paypal, yet none regarding a chargeback issue. They originally stated that they would handle it when I finally saw that they were debiting my balance by {$2200.00}. Subsequently, they stated that there was nothing they could do, it was not something that they covered under seller protection. The original shipment is from XXXX and the chargeback issue is from XXXX, I believe, as they won't verify that either which would make it beyond the 60 day window for a CC company to attempt to file a claim. 

This is not an item not as a described case, as the item was shipped as described and damaged by the receiver. 

This is under their dispute : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Experian Information Solutions Inc.
State: MD
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 inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2023-05-26
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:
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 U.S.C 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: Exeter Finance Corp.
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: Investigation took more than 30 days

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: SEACOAST BANKING CORPORATION OF FLORIDA
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A popup blocked from XXXX that alarmed me that my computer was being hacked. I proceeded to call the number on the XXXX XXXX spoke to a XXXX representative he took control of my computer to check who was trying to hack my computer. It showed that a child XXXX site and other XXXX material as well was on my computer. He told me he had to track my computer to see who is hacking my computer that in the meantime call my bank to place a high alert on my account. So, I proceeded to call the toll-free number on the website. I called the bank number and told the bank representative to place my account on high alert. The bank representative told me that a XXXX XXXX dollars has been wired to XXXX at XXXX in the morning. He also told me that these hackers have my social security number as well. He proceeded to tell me that from his findings two banks in my area were involved with this transaction and an investigation within the bank had to be conducted. He proceeded to tell that my money in the bank should be placed encrypted I had to go to the bank and wire XXXX XXXX dollars to another bank address not to talk about it in the bank due to investigation so he gave me the address of another bank as to where to wire the money in the meantime he told me to take a picture of my driver 's license and text it to him to create an account to XXXX. He then instructed me to take XXXX XXXX dollars in cash go to the nearest XXXX XXXX and place the cash in XXXX. After I placed the money in the XXXX machine for some reason it did not feel right so I called the same toll-free number to my bank and explained what was being done. The bank representative told me I was being scammed she took a report over the phone and told me to go to the police to file a report, so I did that. These scammers have my social security number and license number how can I protect my SS and license. Please help me my identity is compromised. The bank told me they can not get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, INC.
State: GA
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:
According to my research about FCRA 605, 3 credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit has been compromised, these items being reported are creating a ton of XXXX XXXX XXXX XXXX which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$710.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Experian Information Solutions Inc.
State: PA
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 confidentially under 15 USC 1681. Act Name : XXXX XXXX XXXX Act Name : XXXX XXXX XXXX Act Name : XXXX XXXX XXXX, Act Name : XXXX XXXXXXXX, Act Name : XXXX XXXX, Act Name : XXXXXXXX XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 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 2023-04-11
Company: Deutsche Bank
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
Good Evening.., my dears At Consumer Financial Protection Bureau.. greeting , On or around XXXX XXXX, I contacted Deutsch Bank CEO to process , my judgement XXXX at the superior court of XXXX  County Court , Arizona , then I contacted XXXX  branch, Then I contacted again new York head quarter , 6 months Passed, no response from Deutsch Bank, what's so ever, please contact CEO Deutsch Bank for me , thank you for your help,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, 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:
When I investigated my credit report, I see that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The reason for dispute is because Transworld Systems is reporting a 1st day of Delinquency of XX/XX/2016 on my credit report from XXXX. The Alleged procedure was performed on XX/XX/2016 so how can I be delinquent on the same month of the alleged procedure, Transworld systems has violated my hippa rights by totally ignoring any grace period and sending me directly to collections ruining my credit and preventing me from enjoying the benefits of a good credit, Attach to this dispute I am providing you a letter send from TRANSWORLD SYSTEMS where it shows the procedure and the date on dispute and a copy of this account on my credit report from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: U.S. BANCORP
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:
The account Elan Financial Service shows in collection, charged off bad debt. I do not have or never had an account with them. They have negatively reported on my credit report recently after a request to remove false information. It has caused me stress. I asked for original physical verification from them. They have never sent me original signatures information requested. This appears to be a stall tactic which has hurt my ability to obtain credit. Also they have purposely listed account is over the limit in retaliation of my request. They are purposely hurting my credit with false information about being over the credit limit. They have NOT provided me with a physical copy of any original documentation required under Section 609 ( a ) I demand under FCRA that the unverified account be removed. Section 611 ( 5 ) ( A ) of FCRA - you are required to " ... promptly DELETE all information which can not be physically verified.The Law is very clear. Once they remove the information they can reach me at by mail at po box XXXX XXXX XXXX CA XXXX or 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 2023-05-26
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:
This is my 8th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$4900.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1900.00} XXXX XXXX ( Original Creditor : XXXX  XXXX ) XXXX Balance : {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im XX/XX/2022, I was notified by my mortgage company that there was a data breach and my personal information was stolen. I then got a credit alert that there was a derogatory account on my credit. This account was for the XXXX XXXX XXXX located in XXXX, Virginia which was delinquent by {$350.00}. Another account was then opened at XXXX totaling {$2500.00}. At this time, I froze my social security number with all three major credit bureaus and filed a police report with an officer at the XXXX Police Department. I then sent over all the necessary documents ( I.e., proof of address, photograph ID, the police Reports, and affidavits ). Again, in XX/XX/2022, two more derogatory accounts appeared. The first is for Columbia Debt Recovery for a total of {$9000.00} and the second one is for XXXX for a total of {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax AND THE XXXX XXXX breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: EQUIFAX, INC.
State: NC
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:
I sent a letter to Equifax, XXXX and XXXX on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been almost 5 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been almost 150 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: Specialized Loan Servicing Holdings LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Closing disclosure or other related disclosures

Complaint:
i'm a victim of identity theft and noticed fraudulent information on my credit report. I will like for this information to be blocked and removed immediately. i never gave you consent to report anything to 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 2023-11-10
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2023 a transaction of the amount of {$1100.00} was charged in my Chase Credit Card account. 
After investigation, I come to find out that the charge came from XXXX. an Online Cellular company service with whom I also have service with. 
I reached out to the company to understand the charge, and I then found out that a new line was created in XXXX and that a new phone was also purchased. 
I Informed XXXX  that I never placed the order and that this is not mine and demanding refund of the money. XXXX refused stating that i received the device that was ordered and shipped to my address. 

I contacted my credit card company : Chase and opened a dispute.

Chase issued a temporary credit then reversed the credit 2 weeks later with no valid reason of why they reverse the charge. 

I reported a fraud since I never ordered the device, I never received a device, and I never have an account with on that specific order. Visible also confirmed that they closed the order and account as soon as i reported fraud to them. 
It seems that chase never investigate the claim not attempted to go thru the report to get the true understanding of the matter.

I am demanding a refund of the charge, {$1100.00}, on the basis, that I never processed this purchase which I reported as a fraud to both companies. 

Chased also acknowledged the fraud and issue a new card but never work on addressing the case as it should. 
Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Experian Information Solutions Inc.
State: FL
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2023-11-08
Company: REGIONS FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On or about XXXX XXXX XXXX XXXX a bank teller, and XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX, XXXX, MO branch. As a loyal customer of Regions Bank for the past XXXX years, I am appalled by the unprofessional conduct and denial of my request to withdraw funds from my checking account ( Account Number : XXXX ). This complaint solely seeks reason ( XXXX ) for the denial to withdraw funds from said check account and explains why XXXX XXXX denied the Complainant from closing said account that same date.

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