BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-04
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
No knowledge of this account. Filed a report for fraud/identity theft with the federal trade commission account XXXX XXXX Date opened : XX/XX/22 amount : {$480.00}

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 explanation
Consumer complaint received 2023-07-19
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:
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 XXXX paty.They in fact did not come from a XXXX 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 2021-05-14
Company: Chime Financial Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
They ruined my life, I was told Friday XX/XX/XXXX Id be issued provisional credit for the XXXX in dispute claims from unauthorized charges and not only did they tell me I would get my money on Friday the XXXX of XXXX and I have a screenshot to prove it. These jerks actually email me on XXXX the XXXX saying your dispute has been closed and we determined no error has occured and how could that be when XXXX the XXXX they issued me {$50.00} from XXXX of the merchants and there were still more pending transactions from that same merchant they determined only {$50.00} was unauthorized? It makes no sense theres no logic applied and I have been ruined because they led me to believe I was getting my money back and then XXXX  the XXXX they want to act like they actually investigated in that short amount of time and concluded XXXX day before they were supposed to refund me? You better hold these people accountable or I will they XXXX XXXX I feel like XXXX and so should the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I recently received a XXXX loan and had it deposited into my PayPal account. XXXX PayPal decides as soon as my XXXX draw deposits into my PayPal account PayPal locks my account and is withholding my funds for XXXX  days. This loan has a time limit to be spent unless u will have to repay the loan which I expected to be XXXX percent forgiven. PayPal will give me no explanation as to why my account was closed and why hold my funds. If anyone would take the time and actually look into my account they would see there are no more transaction people would want refunds beings thats why they are holding the funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

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 2023-07-25
Company: Experian Information Solutions Inc.
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance Owed : {$530.00} ; XXXX  XXXX XXXX Balance Owed : {$720.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX Balance Owed : {$120.00} ; XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$220.00} XXXX XXXX XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$200.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$5300.00} ; XXXX XXXX Balance Owed : {$630.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$310.00}.

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 explanation
Consumer complaint received 2023-04-20
Company: JPMORGAN CHASE & CO.
State: PA
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:
I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX service for {$990.00} with my Chase Amazon credit card in XX/XX/2022. XXXX put in writing several times that I was guaranteed a 75 % refund if I didn't like the service after 90 days ( without which I would not have purchased ). I could not use the service because I got a second bout of XXXX, and because XXXX  didn't tell me that I needed certain credentials to use part of it. Suspicious of XXXX I filed a dispute with Chase around XX/XX/2022 ( within 60 days of getting my credit card bill ) stating that I was concerned the guaranteed refund was a fraud, and wanted to protect myself under the Fair Credit Billing Act by having a dispute if XXXX didn't honor the refund. Chase initially advised they were honoring the dispute but then somehow treated the dispute as a fraudulent purchase and sent it to their fraud department. Chase then failed to honor the dispute because, as I agreed, the issue wasn't initial fraud ( I did place the order ), but fraud in the service provided ( not honoring the guarantee ). I have gone back and forth with Chase many times to get them to understand the dispute and handle it properly, and send them all the supporting paperwork ( they apparently lost it a couple of times and I had to keep resending it ). Incredibly Chase now accept XXXX  's lies, including there was no guarantee, even though it is in writing. 
Chase 's 'investigation ' is beyond shoddy and incompetent, and violates by rights.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-20
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2023 a check in the amount of {$9000.00} was counter deposited to our business checking account with bank of America. Check issuer is XXXX XXXX and the check number was XXXX. At the time the issuer bank suspected the signature and did not clear the funds and the check was returned. The account owner confronted his bank and the apologized and XXXX XXXX issued another check for the same amount which I deposited through bank of America on line banking. A few days later I noticed that my access to my on line banking was restricted and could not see my account or make transactions. After calling Bank of America and going from one department to the other which without exaggeration took XXXX minutes they said the check deposited was a counterfeit ( which was not ). I kept asking if the check was counterfeit the issuing bank would not have cleared the funds but they kept on saying it is being investigated. Another call to them later revealed that they are in the process of closing my business account! and other than the bogus claim of deposited counterfeit check they did not give me any other explanation. When I aske d for my fund in the account they said after the account closing is finalized they will send me a cashier check and now about a month after the awful disaster which put my company 's reputation in question I received a letter saying my account has been closed and the funds before the {$9000.00} deposit is being send to me but the remainder is frozen pending investigation!!! The issuing bank is baffled since they had no problem with the check and released the funds. The check issuer is going crazy since he is out of {$9000.00} and neither him nor us have the funds and Bank of America is none responsive as to when they will release the funds they are XXXX ; XXXX illegally. I still have no clue why they claim the check was counterfeit sinkcethe issuing bank never claimed it to be and released the funds to Bank Of America,

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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I consolidated my student loans back in XXXX. Prior to consolidation I had a forbearance and no payments were due yet. After consolidating my loans with XXXX they reported XXXX or XXXX separate loans in addition to my large consolidated loan. They also reported XXXX to XXXX late payments on each XXXX of the smaller loans for the months of XXXX and XX/XX/2017. This information is not accurate by any means and has held my credit score down significantly for the past 6 years. I have been denied for a mortgage to buy a home and have been paying a ridiculously high interest rate on my car payment as well, all due to the falsely reported XXXX late payments of 120 day past due. Upon disputing this with the credit bureaus they closed all of the small loans that were consolidated, however they did not correct the inaccurate late payments. My payment amount each month is {$0.00} due to the income driven payment plan, therefore there is XXXX percent chance my payments were late. After they closed these small consolidated loans they then duplicated my large consolidated loan which is roughly $ XXXX, which is now on my credit report twice along with an additional loan amount of roughly $ XXXX which is part of what has already been consolidated. I should only have XXXX consolidated loan in the amount of roughly $ XXXX and all late payments, all XXXX late payments need to be removed. I have never had a payment amount other than {$0.00}. This is my last attempt at correcting this issue before I seek legal proceedings. These errors have cost me thousands of dollars already and have held me back from pur heading a home for my children as a single mother. Please fix this!

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 2022-04-03
Company: Foris DAX, Inc.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
XX/XX/XXXX Crypto.com says use an authenticator to get my money, then rejects the authenticator codes. 
Crypto.com makes it impossible to get my money returned. They never answer my inquiries. 
I believe crypto.com purposely makes it impossible to get your money. This is a way they can keep your money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I identified a fraudulent credit inquiry on my Transunion report. A fraudulent hard credit inquiry occurred on XX/XX/2019. The inquiry shows up as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/2019 XXXX  XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/2019 I did not make this inquiry. Transunion will not investigate and says it was a legit inquiry with valid information and they want a letter from Ace. Ace tells me they have no records of me in their systems - leaving me as the consumer stuck in the middle with no recourse or action.

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 2023-02-25
Company: Experian Information Solutions Inc.
State: CO
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:
On XX/XX/XXXX I sent Experian a letter for two accounts that they are reporting an inaccurate payment status on. 

I have not received a response, and this inaccurate information is hindering me from getting approved on a mortgage loan. 

On XXXX, this loan is closed and paid in full for over two years. They are reporting a delinquent payment status from XXXX it states " Paid, was past due 30 days. The loan was never late. 
The payment status should state " PAID as Agreed '' On loan depot this loan is also reporting a delinquent payment status which is completely inaccurate, they are reporting " current was past due 60 days '' - First I was NEVER late 60 days, secondly, in the two year history all payments are made on time then in XXXX they have a random 60 day late payment. which is inaccurate you cant go from being on time to 60 days late. 
Remove the 60 day late payment in the two year history and CORRECT the payment status to read " CURRENT '' Ive included the certified letter I sent, as well as a copy of both accounts credit report showing the inaccurate information,

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 2022-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 have no awareness of these inquires on my credit reports & These accounts are fraud & even past the 7 yr limit. 
Inquires. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX XXXX XXXX - XX/XX/XXXX XX/XX/XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXXXXXX 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 XXXXXXXX XXXX - Inquiry date : XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX Account Status PAYS_AS_AGREED ( & this acct. reports paid why is still on my report ) Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity XX/XX/XXXX Date of First Delinquency ( N/A ) {$9200.00} ( this act is fraud, inaccurate & passed the statue limitations 7yrs from the 1st delinquency. This fraud acct. been o my reports for 19 yrs 3months! I never received student loans, SHOW THE PROOF OF MY WET SIGNATURE & ORIGINAL CONTRACT, BY LAW IF THEY CANT PROVIDE PROOF IT SHOULD E REMOVED DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX ) XXXX DEPT OF EDUCATION/XXXX  XXXX XXXX XXXX Account Status PAYS_AS_AGREED ( & this acct. reports paid why is still on my report ) Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX {$6800.00} ( this act is fraud, inaccurate info. & passed the statue limitations 7yrs from the 1st delinquency. ) More fraud accounts from Dept of education : XXXX XXXX, XXXX XXXX, xxxxxx XXXX, XXXX XXXX SHOW THE PROOF OF MY WET SIGNATURE & ORIGINAL CONTRACT, BY LAW IF THEY CANT PROVIDE PROOF, IT SHOULD E REMOVED US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( 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 2020-08-17
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Back in XX/XX/2019 I called the company to make a payment arrangement on my account. At that point an arrangement was. Made, I paid {$120.00} and for each 5 months following I made the payments I was told to make. In fact, I did automatic withdrawals from my account to prove that I was willing and serious about paying this account. In XXXX I had changed my debt card number because of a fraud transaction on my card. Synchrony Bank called because the XXXX payment did not go through. 
I explained what happened, but before giving them my new card information I noticed the balance on the account was back up again by nearly {$400.00} dollars. 
I asked why, and the Rep. explained that the payments I was making were only to bring the account to current, however because it wasnt at full standard interest accumulated. 
Which I couldnt understand then or now, since I was making the amount given to me by them. If a larger or additional payment needed to be made then that should of been explained back in XXXX when I made the arrangement or at least be told, interest will still accumulate because the account was not up to date. 
I was under the impression that because they gave me a set amount and date that ad to be paid, that bringing the account current and to good standards was already being taken into consideration. 
Now the account is Closed, its STILL graining interest, I have called serval times to try and get that additional interest taken off so that I can clear the account, but the many different Reps. I have spoken to have all said there is nothing they can do. 
Now today, yet again I have tried to settled with them, and the Rep. today said, even if I do pay there is NO guarantee that it will show on my credit that I paid, but instead will reflect has a Write Off because the account is too old. 
I feel like this company is definitely trying to get over, this credit line was originally for {$1000.00} its early up to {$1600.00} even after I paid more than {$400.00}. 
This is very negatively effecting my credit that I am so hard trying to fix. 
Is there anything you can do to help?

Company Name is Synchrony Bank/ Care 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 2023-09-22
Company: EQUIFAX, INC.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 USC 1681. 

Account name : XXXX Account number:XXXX Account name : XXXX XXXX Account number: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 f
ollowing 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 non-monetary relief