BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-20
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: Problem with personal statement of dispute

Complaint:
In XX/XX/XXXX I was late on one payment. Called my XXXX XXXX to get options. They said I have none. Called again they told me I could do a trial loan modification. Started the process. Was told I would need to pay 3 months and it wouldnt affect my credit score. Also that I could choose to not do it at the end. After 3 months the company went silent did not respond to my calls or email or inquires for help about next steps. Then was told I failed to make 4th payment and have to start over. Called over 5 times looking for call back from manager no responses. Covid hit was told I had to go in forbearance and not do another mitigation because they werent doing them at that time. Was told it would not affect my credit. Called for several months asking when I could comeplete the modification. Finally was able to complete the modification in XXXX. Completed the 4 months. Company told me that my credit report would be changed to reflect payments. I have been making payments continuously only during the 6 month period of forbearance. Was told I had to do forbearance or pay an amount that equates to like XXXX plus interest and not the original debt of the past due payments. I have attempted to email and all this company to fix the errors of the months they are reporting I did not make a payment when Im fact I was making payments under the trial modifications and in a period of forbearance. I was given misleading damaging information that almost out in to bankruptcy and foreclosure from one late payment. I was told during that one month of a late payment my only option was a loan modification which is untrue. Ive asked them to pull the calls several times. I would have not entered into any agreements without the false and misleading information from their staff. Now I am showing that I have not maid a payment since XXXX when in fact I have been making payments. They refuse to investigate or fix their mistakes. They have been made aware of my complaint for 2 years now and have failed to act or remedy the situation

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 2023-08-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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 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 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 2020-12-21
Company: BARCLAYS BANK DELAWARE
State: MN
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 contact all of the creditors thats listed on my credit report asking for those hard inquiries to be removed because I did not apply for the accounts. I believe I have been fraudulent.

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 2023-11-04
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I was serving XXXX  in XXXX for a year. We moved out of the house and rented it out in XXXX the movers had to move out and due to me not receiving BAH I was unable to pay it and I let them know in may. I called and ask could they put a hold on it due to me being XXXX XXXX and being XXXX  I was told by one of their customer service representatives that I would be fine because Im XXXX XXXX. Mind you Im in XXXX and all my mail is forwarded to my parents house in GA. I find out from my mother that the house was set for foreclosure in XXXX Im 19 hours ahead and it was hard to make contact p. I told them several times that I was XXXX XXXX and only one member deceived to help me. Other members hung up the phone lied and said it would be stopped I wasnt told I had to send my orders until XXXX. This company violated many rights under the XXXX. They recently changed the locks against my will. I am over fighting for the country I shouldnt have to be fighting for my property under these circumstances.

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 2023-05-06
Company: Gurstel Law Firm, P.C.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Never heard of these people until XXXX of XXXX. Supposedly a sheriff personally delivered me a summons in XXXX when I was living in another state. 
It is supposedly some debt that isn't on my credit report nor do I recognize any of the " accounts '' they have listed. There are no original account numbers or any information whatsoever. 
Also, they said they have ALREADY garnished and taken my money from an account at a bank I have never in my life had an account with. If they have already taken my money, like their letter says, why do I need to call them to set up a " payment plan ''! 
I asked them for proof of debt. I got a ONE page letter with no information on it, certainly not the original debt or any account numbers or anything even remotely close to what they are required to send. 
It just says to call them to set up a payment. I am on social security so they can't even take my money in the first place. 

The supposed original creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; which two phone numbers I found for them and I called. One was disconnected and the other was some lady who just said hello. I have never heard of this place. 

I am not calling them or giving them any of my real information. They already stole my current address from somewhere. 

I am also contacting the MN Lawyers Responsibility Board.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Macy 's XX/XX/2019 Payment Due Date New Balance XXXX which included a carryover balance from the previous month of {$1.00} plus {$2.00} minimum interest charge. 

I paid {$3.00} on XX/XX/XXXX. 

XX/XX/2019 Payment Due Date New Balance XXXX which is the minimum interest charge I don't understand how they can charge me an minimum interest charge when I paid my balance in full. It seems like its a never ending cycle. 

I called and the representative said if you pay your bills on time you won't be charged fees. I pay my bills on time and always make more than the minimum payment. I have perfect credit and a great score. I think they are trying to gouge the consumer and to me something is wrong here. How can the minimum interest be more than the balance for one? And why would I be charged the minimum interest if I don't even have a balance.

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 2019-11-13
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have {$900.00} odd dollars in my PayPal account one day I randomly receive an email that my account is limited and I need to confirm my identity. I send in all required documents. a week later I contact them and confirm my identity and I am advised they are holding my money for $ 180 days with no explanation other than " refer to our user agreement '' I have spent countless hours emailing and calling PayPal with no success and access to my money. I as a single mother need access to these funds to pay bills!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/XXXX, XX/XX/2021 I sent letters to the credit bureaus about some bankruptcies that where listed on the reports that wasn't mine. The time those bankruptcies were filed I was incarcerated and I sent documents to the bureaus showing that I was truly incarcerated and they told me that the bankruptcies were being verified by the Bankruptcy courts as verified. So I contacted the bankruptcy court and spoke with a XXXX XXXX she said they don't verify anything with the Credit Reporting agencies they are getting information from a company called XXXX she also said whoever filed the bankruptcies did it themselves no attorney was involved. 
I also contacted XXXX XXXX regarding acct # XXXX and they didn't respond at all. 
I disputed it with the Credit bureaus and they said it came back verified which couldn't be true.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Paypal authorized a fraudulent transfer from my bank to someone else 's paypal account. Paypal flagged it as fraudulent, and told me to have my bank refuse the charge. My bank did so. Now Paypal has set my account in a negative balance until they receive a refund. I can not close my account until the balance is closed, even though the original charge was fraudulent, and I so not owe paypal money. 

They are holding me responsible for the fraudulent charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2019-11-25
Company: JH Portfolio Debt Equities, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter from Credit Control , LLC regarding an alleged credit card debt owed that they wanted me to pay. I replied with a letter I sent to to Credit Control , LLC asking them to please document and verify the alleged debt. The letter I sent included a request for A front and back, true and correct copy of the alleged signed agreement bearing my signature. This is for full and complete disclosure, which is required to demonstrate validity under globally accepted contract law.Credit Control, LLC response to my request was to send me a document which they said was an account summary. I never received verification of this alleged debt. Would you please investigate this? 

Disbuting the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: NC
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. 

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 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 has violated my rights. 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 an 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 2023-08-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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

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 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-04-04
Company: Bridgecrest Acceptance Corporation
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: Account information incorrect

Complaint:
A portion of the loan was paid off by insurance company yet it continues to show a balance of {$17000.00}. I confirmed this because I checked the payment portal with Bridgecrest and it shows a balance of {$2200.00}. XXXX claims it was investigated and confirmed as being {$17000.00}, which is totally untrue.

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 2020-08-04
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
0n XX/XX/2020 I had a Bank Account with JP CHASE MORGAN on Friday which was XX/XX/2020 I received a deposit from the Georgia Department of Labor for my Unemployment including all my back pay from now back til XXXX which was about XXXX and for no apparent reason Chase decided to freeze my bank account and close it and hold my money for no reason at all there havent been any problems with my account since I got it! ... This is the worst bank ever and this morning when I checked my account now its a negative XXXX balance because they decided to close my account and they still allowed me to draw a XXXX a day out the bank I had over XXXX in that account so where is all my money where did they send it back too! .My deposit included a deposit of {$140.00} ..19 times and XXXX 17 times which equals about XXXX they clearly seen the money came from the Georgia Department of Labor addressed to me in my whole name and they still closed my account for no good reason!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: CITIBANK, N.A.
State: AZ
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: Overcharged for something you did purchase with the card

Complaint:
Citi Cards Amount of {$54.00} Vendor : XXXX Date charged : XX/XX/21 I disputed the charge, which was on autopay, for monthly amount of {$54.00}, for internet service as I had cancelled service beginning on XX/XX/XXXX ( if I recall ). I called the customer care line XXXX  offers, spoke to a very friendly lady, and set up a disconnect request as I was moving out of state. I know the XXXX  does advance billing, meaning they bill you the month before the service you're being charged for. In this case, there was no advance billing needed or required for XXXX, so this charge in XXXX is invalid. I understand a lot of customer contracts can have varied terms, some of which are unconscionable in my view ( a termination or break fee = to monthly rate being one example ). I explained all of this to Citi, I told them I spoke via PHONE to customer service, and they denied this charge-back saying they did not receive a " valid proof of cancellation. '' I'm sorry, did they expect me to record my call with customer service? And send that to them how? And pretty sure it's illegal in CA anyhow to do that. So what valid proof do they want? Ridiculous and I should've been credited just out of being a longstanding customer always paying in full on time every month for years ...

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