BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-19
Company: EQUIFAX, INC.
State: AL
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 10. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 13. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 14. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 15. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 16. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 18. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 19. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30
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: Information belongs to someone else

Complaint:
I am intrested in disputing all incorrect information on my credit report with Transunion. checking my file ive noticed all of invalid data that is hindering my credit report. please update and correct all listed information to clear my 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 non-monetary relief
Consumer complaint received 2019-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
After numerous disputes. I can not get duplicate reported accounts off of my credit report and it is derogatory effecting my scores on all of the big three reporting agencies. Negatively impacting them double because they are duplicates.

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 2019-03-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I canceled with experian.com back in XX/XX/2019, and they continue to run my credit card even afer cancelling, so i had to discontinue my debit card and get a new one, well they called master card and got my new card information which XXXX. With experian you are unable to get a live person on the phone to handle anything and on there website where you are suppose to be able to cancel they take you through the loops you are just unable to cancel anything.They cahrged my debit card in XXXX and XXXX and now thy will charge it in XXXX. i tried calling in several times and unable to get a hold to anybody. The website is a joke please help. 

Thanks

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 2023-10-28
Company: KEYCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
On XX/XX/XXXX I sent an e-mail to XXXX at Key Bank, XXXX XXXX XXXX, PA. " In order to comply with The Pennsylvania Department of Revenue Inheritance Tax requirements please provide a statement showing the date of death balance for account number ending in XXXX for XXXX XXXX XXXX, deceased XX/XX/XXXX. Up to that time I was POA on the account. Nothing is being requested thereafter. Attached please find PA XXXX Sch E Cash, Bank Deposits & Misc Personal Property Instructions Shortly thereafter, on XX/XX/XXXX I called Key Bank and spoke with XXXX. I explained an e-mail was sent to her requesting a statement showing the date of death balance for my father XXXX XXXX XXXX in order to comply inheritance tax requirements. 

Key Bank has long been aware that on XX/XX/XXXX I was appointed executor by the court. 

As of this date no response has been received from Key Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: NJ
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:
Subject : Dispute of Inaccurate Information - Urgent Removal Request Dear XXXX Consumer Relations, I am writing to dispute a derogatory delinquent account that was reported by XXXX XXXX on XXXX XXXX XXXX, which inaccurately states that I owe {$10000.00}. This erroneous information has significantly harmed my credit score and financial well-being. 
Despite my efforts to rectify this matter, XXXX XXXX  has failed to correct the inaccuracies. I provided evidence of double payments made, but they continued reporting late payments. Even after a year has passed, the incorrect information remains on my credit report, negatively impacting my financial standing. I lodged a complaint against XXXX XXXX  with the CFPB ( Complaint ID : XXXX ). 
I hereby request the immediate and permanent removal of this account from my credit report, as XXXX XXXX XXXX  actions violate my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA mandates accurate credit reporting, and XXXX XXXX XXXX persistent refusal to rectify this matter is a direct violation of the law. 
As an affected consumer, I am entitled to seek compensation for actual damages, punitive damages, attorney 's fees, and penalties associated with FCRA violations. I urge XXXX to take swift action in accordance with the FCRA and remove this erroneous item from my credit report. 
Please consider the urgency of this matter, given the impact it has on my financial situation. I eagerly await your prompt response and resolution to this dispute. 
Sincerely, 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 2018-03-10
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: Public record information inaccurate

Complaint:
There is incorrect information being reported on my Experian credit report. I have spoken to representatives and sent letters to dispute the public records which should not be reporting on my credit per the XXXX, which states- Beginning XX/XX/2017 public record data collected for credit reporting agencies, including bankruptcies, civil judgements and tax liens are to be removed from credit reports. 

They have not complied with this law, whereas the other bureaus have.

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 2023-06-17
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Took Money that was not correct on an account that did not belong to me. And they sent me letters that no need to show up to court. I have emails asking for amounts they never responded back. Once they responded like a month or 2 later.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Navient student loans are refusing to take factoring accounts on my credit report. I have sent numerous of certified letters to Navient to correct my " late '' status. Navient refused to verify or respond to any credit agency. I also closed my accounts with Navient. 

When I continued to send certified letters to Navient to prove my late status. Navient does n't respond to my request. I was sent a letter to prove to them. Navient is impacting my credit report and loss of opportunity. 

XXXX 2015 I called Navient dozens of time to correct to purchase a home. I also request a constant payment arrangement. Navient refused. This was the result of me losing to purchase a home and providing a great school district to my children. I have expressed to Navient the American dream was to complete college and provide a quality of life to my children. I 'm unable to this due to their incorrect reporting on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-29
Company: Experian Information Solutions Inc.
State: AR
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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

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 2023-05-15
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:
As of XX/XX/2023 there are multiple accounts showing up on my credit profile that is inaccurate and i need them deleted. i sent multiple letters to the credit bureaus to have the information removed and there as been no resolution. XXXX XXXX XXXX The Following Account Is Not Mine XXXX XXXX XXXX The Following Account Is Not Mine XXXX XXXX XXXX The Following Account Is Not Mine XXXX XXXX XXXX XXXX The Following Account Is Not Mine 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 2022-07-06
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In late XXXX, I received my paper credit card billing statement for the Victoria 's Secret store credit card issued by Comenity. The total amount that was due was {$27.00}. I have excellent credit and pay off my credit card balances without the accrual of interest. This card has been no exception since I opened it over 17 years ago. 

I issued a check payment for {$27.00} on XX/XX/2022 and mailed it to the required address along with the payment stub that accompanied my credit card bill. This payment was sent out a day or two after the preparation of the check. However, for some reason, this payment was not processed until XX/XX/2022. 

Because the bill was due on XX/XX/2022, Comenity charged me a late fee of {$27.00} on XX/XX/2022 and a minimum interest charge on XX/XX/2022. 

When I received my XXXX billing statement that should have had a {$0.00} balance on Thursday, XX/XX/XXXX, I called Comenity to complain about the late fees and interest charges as this was not the first time they failed to timely process a mailed in payment and to get the accrued fees removed. However, I could not speak to anyone as the voice recording stated that their were undergoing a system upgrade and to call back at a later time because they were aware of the issues that this system upgrade has caused. Since XX/XX/XXXX, I called on Saturday, XX/XX/XXXX and Wednesday, XX/XX/XXXX, and still have not been able to speak to anyone about my account. I can not even login to my account online to file a complaint due to the system upgrade. 

I never had any issues with this credit card prior to Comenity taking over this account as the issuing creditor. I closed all other store credit cards that were transferred to or issued by Comenity for the consistent issues I have had with them as a creditor. However, I can not close this account due to the impact it would have on my credit history given that this credit card has been opened the longest. 

What is more, I understand the implications of failing to timely pay on a credit card as I am an attorney who has had financial institutions and debt collectors as clients and have filed lawsuits against debtors for their delinquent debt on those institutions ' behalf. 

It is unacceptable for a creditor to refuse to take calls directly from a debtor, especially given the impact of a negative tradeline it would have on my credit report. It is also unacceptable for a creditor to fail to timely process payments when they are received, and it is a consistent issue with Comenity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-06
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:
I am a victim of identity theft : RXXXX XXXX XXXX XXXX XXXX XXXX XXXX  has fraudulent accounts on my credit profile that need to be removed 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 non-monetary relief
Consumer complaint received 2018-10-01
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Plus there is NO verification from the LA Secretary of State that they are registered in Louisiana which is also against the FDCPA! 

I request that XXXX XXXX verify the following information. 
1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. 

If XXXX XXXX XXXX is unable to provide the above identifying account information, this account must be deleted from all CRAs. 

XXXX XXXX XXXX also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. There was no prior knowledge of debt until XXXX alerted me to it. No contact has ever been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: EQUIFAX, 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:
I am a victim of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Dear CFPB, PayPal is knowingly allowing a loophole in their claim system be abused to steal from buyers. 

We are dealing with a scammer who clearly understands how to easily manipulate PayPal 's ridged and indirect dispute system, along with the carelessness of the PayPal phone support agent who originally opened our dispute with PayPal 's phone claim department. It is shocking how easy it was to abuse PayPal 's process and steal almost {$2000.00} from people trusting PayPal to process payments. 

The PayPal claims case is : Case ID : XXXX The total stolen from us is : {$1800.00} And the Seller : XXXX XXXX XXXX The merchandise XXXX XXXX XXXX shipped us were fake. The box was clearly preopened and resealed after being filled with completely different cards not of the same vintage set. 

The scammer then agreed to take back the fake merchandise and accepted the return request ( Please see attachments titled " Image_1 '' and " Image_2 '' ).

We proceeded to print the return label and ship back the item ( Please see attachments titled " Image_3 '', " Image_4 '', and " XXXX '' ). 

The scammer then proceeded to REFUSED the incoming shipment ( See attachments titled " XXXX XXXX XXXX ( r ) - USPS Tracking ( r ) Results '' ) knowing that was ALL that is needed to manipulate PayPal 's claim system! 

PayPal will Deny ALL claims as long as the victim does not have a signature from the scammer. 

I just got off the phone with a PayPal Supervisor at XXXX ( Eastern Time ) who outright admitted she was aware of how easy it was to abuse PayPal 's claims process by simply refusing returns. Looking online this scam is well known! 

Even though USPS clearly serves as evidence the scammer received then returned the fake merchandise PayPal 's inflexible system is dangerously easy to abuse in order to steal from consumers, and PayPal 's management admitted they are aware of this and knowingly allow it! 


Account ID : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: JPMORGAN CHASE & CO.
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
Notified Chase on XX/XX/XXXX that there were XXXX fraudulent charges on my XXXX Credit card from XXXX for a total amount of {$3800.00}. Chase 's immediate reaction was to cancel my card and send a replacement. In addition, the reversed all of the charges until such time as they investigate. I explained to them that I have been doing business for a number of years and that there is a step-by-step process before any money is exchanged with the Seller through XXXX. The first step is to send your requirement to the Seller to see if they can do what you want done ; once they validate that they can do it you negotiate the price ; once the price is agreed ; they email an order ; once you approved the order and officially supply what you want done they start working on the project ; XXXX emails a copy of the invoice for my records ; once the job completed is completed, the Seller sends me a copy for review, approval or changes ; once all of the changes are approved, the Seller the product for final review and approval ; I have 3 days to agree before the project is complete. The final step is I actually receive a product to show for my purchase. Currently, I have nothing to show for any of these fraudulent purchases and I explained all of this to Chase. Chase said that XXXX sent them my XXXX  address for my XXXX XXXX, the XXXX address for my XXXX ; my email address use for the account that I set to do business with XXXX and my credit card number, which is required to do business with XXXX. Chase reversed all of my charges base on this XXXX address information for charges and activity made in XXXX, XXXX, & XXXX. XXXX did not supply the invoice, or specifics pertaining to the XXXX fraudulent charges on my credit card for the specific date and amount for the transactions. I spoke to Chase 's Fraudulent Department and I also sent and email to the CEO of Chase and it all fell on death ears. They told me there was nothing else they could do and that I had to get it resolved through XXXX. I informed them that XXXX was totally non-responsive and they kept transferring me from on Customer Service Representative. I even asked XXXX to reinstate my account which they closed because I could validate my records through my account and this never happened. It was obvious to me that XXXX had no incentive because Chase had given all of the leverage that had away by allowing them to keep {$3800.00} of charges/ my money and I am paying for something that I did not authorized and I have nothing to show for it. Please help because I have exhausted all of my efforts.

Company response to consumer: Closed with explanation