BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-21
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:
This is my fifth try to inform you that I am a victim of identity theft and I complain to question particular items in my document discovered because of some inattention. The record I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authority. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$490.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} ; XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$55.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$55.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1400.00}

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 2021-08-06
Company: Paypal Holdings, Inc
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
So I had a personal account with PayPal for years. I just upgraded it to a XXXX  account over the last few months since I never had a problem with my personal account. Prior to doing my XXXX  with PayPal I was having my XXXX  send payments by cash app. When I had the chance to upgrade my personal account to a XXXX  account I agreed because I felt PayPal would be the more secure way. On XX/XX/2021 I received a email saying my PayPal account is locked and I cant have access to my funds for 180 days. How is that even legal? Well I contacted PayPal and no one could explain to me why my account was locked/closed, just that I violated a rule but unable to tell me what rule. Well I have clients that paid me to repair their credit and Im unable to access any funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: MO
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 am a victim of identity theft please remove this inquiries from 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 2023-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
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:
Applied for Bank of America XXXX  XXXX card for a promotion of XXXX miles with {$2000.00} in purchases. Saved the screenshots and confirmation emails from applying. Now Bank of America refuses to budge and says my promotion was for XXXX miles with {$3000.00} in purchases ( something I NEVER AGREED TO and HAVE NO RECORD OF ). They changed the promotion terms on their end AFTER I applied and I never agreed to those terms. I have the agreed to terms saved and recorded. They refuse to give me the XXXX bonus miles I am due after spending the {$2000.00} in purchases on my first billing cycle for said credit card.

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 2022-07-21
Company: EQUIFAX, 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:
This unconfirmed accounts listed below continue to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be validated ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly : XXXX  XXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I called to close my credit card account with Bank of America on XX/XX/, shortly after my annual fee was billed. I was advised that the annual fee would be credited back as I was closing the account and that I would not have to pay it. I subsequently received a credit card statement indicating that the annual fee was never credited and that I was 2 payments late. Bank would not waive the annual fee and has asked that I pay the past due amount only to have it refunded at a later date. It makes no sense that I should have to come out of pocket to resolve a bank 's error. Furthermore, my credit score should not be negatively impacted by the bank 's error. The amount of red tape to try and resolve this issue is immense. This feels like the bank is taking advantage of a small consumer simply because they can. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-18
Company: SYNCHRONY FINANCIAL
State: NY
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 recently obtained a copy of my XXXX credit report. It showed a credit inquiry by your company that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so under section 609,  physical signature. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire 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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX, XXXX, TransUnion, and XXXX have all failed to help correct the inaccuracies in my consumer report. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I will attach all three different accounts that is reporting inaccurate information on the XXXX XXXX XXXXXXXX XXXX If you can fix the information please do so if you can not figure out why all three Reporting agencies are furnishing inaccurate information YOU SHALL DELETE/REMOVE THE XXXXXXXX XXXX ACCOUNT ON ALL THREE CONSUMER REPORTS.

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 2020-06-14
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$450.00}, {$400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

2. XXXX/XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account.

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 2017-06-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I had a home for 15 years through JP Morgan Chase  XXXX   XXXX   XXXX   XXXX , CA  XXXX  And put {$600000.00} through the course of 15 years and I was in active bankruptcy and the home was taken from me. Also, I qualify  as one of the homeowners who go wrongful foreclosure through JPMorgan Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Below is the letter I have emailed and submitted by online complaint. 
I have also explained this and much more on many phone calls as well. 
GM has a very serious problem with communicating with a customer once a problem is identified. 
A month or so back I made a verbal complaint and I have a case # of XXXX. 
I have not had any luck at all with these methods. 
Please review this and let me know how we can resolve this. 
Thank you, GM FINANCIAL, XXXX. # XXXX I am contacting your because I want to resolve the problem with my account and have always been willing to do so. 
I paid off this account on XXXX XXXX 2020. I printed a confirmation at that time. The next day I received an email confirmation stating that no further action is required your words not mine, I printed that as well. 
On XXXX XXXX 2020 on received the Title to vehicle in question in the mail. It is a clear title in my name with no lien. 
On XXXX XXXX 2020 I received an email stating you had great difficulty contacting me which is not true- this is the first notice I had that there was any kind of problem and it did not state what the problem was. 
I called to see what the problem was and your agent told me that my check bounced. I will not put up with an accusation like this from anyone, especially when it is not true. 
My bank always calls me if there is a problem with any of my accounts because they do not want to make me mad. 
Since then I have called several times to try to get this resolved. Your people are not trained very well and are not willing to report this to someone who can help resolve this problem. 
I will be glad to pay you the {$6200.00} that you did not get the first time if you will produce 3 things.

1 A letter guaranteeing that GM Financial will not report any negative information about me and this account to any and all entities and persons and guaranteeing that GM Financial will remove any negative information that has been reported to any and all entities and persons about me and this account.

2 An explanation of how this happened why you waited so long to contact me. 
3 Some kind of credit for my damages. I have not been able to use and enjoy my vehicle because you have informed me that my vehicle would be repossessed and I have had 2 repo companies contact me regarding this issue. 
I am always negotiable and am willing to live up to my part of this thing. 
It will take reasonable communication from GM Financial to do so. 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/2022, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This unconfirmed accounts listed below continue to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be validated ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly : XXXX  XXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00}

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 2023-07-25
Company: Experian Information Solutions 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:
I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXX XXXX Account Number XXXX XXXX  It's showing that I've had several late payments. But here 's the thing, I've never been late on my payments for this account.

Consumer Reporting Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right. 

What would be a fair resolution to this issue? Copy and past this : " Update the account to Paid on time and never late. Or remove it from my consumer 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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Incorrect inquires on TransUnion credit report. Customer service would not help and take care of the negative inquiries reporting to your credit report. 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 non-monetary relief
Consumer complaint received 2023-05-28
Company: CITIBANK, N.A.
State: CA
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:
I reviewed my Consumer Reports and noticed that I have XXXX payment late on my citi bank account but it is marked inaccurate for the month of XX/XX/2022. The different companies are reporting different outcomes for that month can you investigate this discrepancy thank you 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 2023-05-28
Company: U.S. BANCORP
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Union Bank Credit Card Fraud Department is 100 % in violation of Federal Banking Regulations to delay Fraud Claim filing process and REFUNDS up to over 30 days or XXXX months delays, as they have merged newly with XXXXXXXX XXXX 

Because of their merge, they fell behind on Claims. I worked with XXXX XXXX bank and I am fully trained and aware of Federal Banking Regulations. I had to call daily XXXX  times a day for over XXXX weeks BEFORE they would even finally not drop calls. Not XXXX call was returned by Fraud department in over 27 days. I also note that I worked under a STATE LICENSED INVESTIGATOR, XXXX XXXX for over 7 years in an Apprenticeship and worked with DA/Attorney and our specialty is FRAUD. 

XXXX have an Online Auction website and there is a PHONY COPYCAT website that is online and I did not notice till too late as it looks exactly like the XXXX website. I received an EMAIL to confirm from the XXXXpartner that is it a phony fraud website and it is not their website and many have contacted them about the phony site. 

UNION BANK CREDIT CARD DIVISION IS NEGLIGENT UNDER FEDERAL LAWS TO REFUSE TO PROPERLY PROCESS REFUNDS FROM FELONY FRAUD CASES. 

Phone Number : XXXX Dept Head : XXXX - refuses to process/no call backs Fraud Dept - no calls backs - will not take evidence emails Agents stated it will be over 30 days or more before funds from Felony Fraud are refunded if not more as " the Fraud Department is too far behind '' ....

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 2021-03-30
Company: EQUIFAX, INC.
State: LA
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:
Last XXXX I've sent documentation regarding to those inaccurate and unknown accounts Ive found on my credit report it cause me stress. Its almost 30 days now but I haven't received any response. I demand to DELETE asap or I will file Litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions 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:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into 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 explanation