BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-23
Company: Selip & Stylianou, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
these people know that it was fraud and they continue to harass me. I told them not to send me any literature any mail. They are violating my rights. This is fraud and the bank knew it was fraud and Im talking to the bank regarding this issue. They keep sending me stuff they are violating my rights. When I tell them to stop sending me stuff they should stop automatically. Im seeking legal action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Paypal Holdings, Inc
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
PayPal- negative {$7700.00} XX/XX/2020 Transfer Loading transaction details for PayPal- negative {$7700.00} XX/XX/2020 Transfer Paid with Balance Transaction ID XXXX Seller info PayPal Note {$7700.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-29
Company: EQUIFAX, 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:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 

XXXXXXXX XXXX XXXXXXXX Balance Owed : {$6100.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : 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 2023-03-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In compliance with the Fair Credit Reporting Act section 605b, I have been filing this CFPB complaint to the credit bureaus to ask them to ask the credit reporting agencies to remove the false accounts and information from my credit file. The Credit Bureaus are expected and compelled to delete any accounts and information that resulted from my identity being stolen and utilized to open these goods under the FCRA section 605b. I once again request that the following items be deleted as soon as feasible by the Credit Bureaus : 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 XXXXXX/XX/XXXX. Since the reporting of the fake accounts and information off my credit file, I have been disputing my credit report for a considerable amount of time. Please be aware that if any information in my credit file was obtained through identity theft, you have four business days to stop reporting it. E-OSCAR or any other form of automated verification is not acceptable to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: ZIONS BANCORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Amegy Bank is reporting a credit card opened in my name as charged off. This account was the result of identity theft, I disputed the account with all 3 credit reporting agencies and they verified the account. They FAILED to provide my original signature on the application or contract, they FAILED to provide the original terms of the account, they FAILED to provide proof the account was mine

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 2017-01-19
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have tried multiple times to get my monthly amount reduced. I ca n't afford the monthly payments that Navient is asking. I have called several times a year but nothing changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Please find attached, CFPB Complaint ID : XXXX, Subject Property : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, VA XXXX dated XX/XX/2023.

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 2023-08-29
Company: EQUIFAX, INC.
State: TX
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

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  Balance Owed : {$2100.00} ; XXXX XXXX Balance Owed : {$5900.00} ; XXXX XXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In compliance with the Fair Credit Reporting Act, I am submitting this CFPB complaint to ask the credit bureaus to delete the inaccurate accounts from my credit file. All of this has been a struggle, therefore I am filing this CFPB complaint to ask the credit bureaus to stop reporting the inaccurate accounts to my credit file. I am now requesting further information about these specific items in question since I am not confident that enough was done to genuinely contact the creditors/agencies who are reporting this information on my report : XXXX XXXX Balance Owed : {$7800.00} Date Opened : XX/XX/2020 XXXX  XXXX Balance Owed : {$0.00}. Please conduct another investigation and send me the credit history as shown by the merchant 's letter that is connected to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Resurgent Capital Services L.P.
State: FL
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:
The sent a very threatening message, and then proceeded to refuse to give me the purchase agreement or validate the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
We opened a Store Card with Amazon through Synchrony in XXXX XX/XX/2019. Payment due dates are set for the XXXX of each month. We had initially set up for the card to take an auto payment of Min Due. 

Our First bill came, and I paid the card on XX/XX/XXXX. Which was more than the Min  Due. 

On XX/XX/XXXX it then tried to take a Min Due payment and was rejected, even though we had already paid more than the Min due. 

So we called and had them turn the auto payment off, after they told us that even if we make the payment it will still take a payment. 

XX/XX/XXXX I then paid the card off this was for the XX/XX/XXXX invoice. 

XX/XX/XXXX I paid the XX/XX/XXXX payment, and then it again tried to take a payment. And I had the bank reverse it. And called to complain. 

The rep told us it can take 30-60 days to disable auto pay and that's why it happened. She then assured me its now turned off.

I told her your website says that Auto Pay cancelation is 2 business days not 30-60.  She apologized for the confusion and left it at that. 

I then made the XX/XX/XXXX payment on XX/XX/XXXX. And we received a letter that our account has been closed for 2 returned payments. 

I continued payments until we had a brief hit in XXXX XXXX with Covid, they reversed any late fees due to covid, and I then continued to pay the card off. 

I then spoke to them again, as it showing on our credit as closed by credit grantor is dragging our score down. 

When I spoke to them today they said it was closed due to delinquency. I said the account was never delinquent it was always paid 15 days before due dates. The issue, was we assumed that if the min payment is XXXX and we pay XXXX, that the auto pay would not then try and take a payment. As we had already paid the min and more. 

And we then assumed after we turned off auto pay it would not be an issue again. But they still took another auto pay.. And then closed the account for the two returned auto pays. Even though I had paid the account manually before the payment due dates. 

Talking to them is you had two returned payments sorry cant help.. and don't seam to understand I had already made the payments and had auto pay canceled. Its not my fault they say it takes 30-60 days to turn off when the site says 2 bussiness days. 

I would like them to reopen the account and remove any negatives.

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 2018-10-08
Company: Experian Information Solutions Inc.
State: CA
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 have visited Experian 's website on several occasions to get credit information regarding my personal credit. they have you sign up for a free credit report and they require you to give you a credit card number to be charged XXXX dollar to make sure you are the intended user. will after my first experience last year if you do not cancel the free credit report, they start charging you XXXX monthly. well after many attempt to stop the service and get a refund, They followed through. So I was looking at old book marks on my computer and just happened to click on Experian 's website and it automatically signed me in to an old account that i was sure I closed for the membership. Will I was checking my bank statement a day later and noticed a charge for XXXX from Experian and so I contacted them to see why i was charged. I was told that I was enrolled in there membership program. I told them that I did not authorize this and that I wanted a refund and to have my personal credit card number removed from there data base. I was told they would refund me the full {$21.00}, but they could not take my credit card number off of there data base. I am fearful that this will happen again. to make matters worse, this happen to my wife as well. My membership number with them is XXXX. Please look into this unfair business practice for they should be protecting my credit information and not holding me hostage on a credit report Business opportunity scam. Thank you for your attention to this matter and i look forward to your follow up. best regards, 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 2023-08-28
Company: EQUIFAX, INC.
State: GA
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 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: EQUIFAX, 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:
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 XXXXXXXX Balance : {$710.00} ; XXXX XXXX XXXX Balance : {$300.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 am submitting this XXXX XXXX without any influence and this is not a third party. 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 XXXX XXXX XXXX. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX A- States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX. ( a ) ( XXXX ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2022-12-20
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:
I have attached an FTC report with XXXX accounts that are fraudulent and need to be deleted ASAP

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 2022-12-20
Company: SLM CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My login stopped working XX/XX/XXXX shortly after attempting to establish a link to an new external account. I wasn't able to call them until they opened on Mon, XX/XX/XXXX but they were unable to fix the problem. After waiting XXXX hours I called back on XX/XX/XXXX. They tried some other things but were still unable to fix the problem. The night of XX/XX/XXXX I was surprised to find that I could login, but my accounts ( a XXXX XXXX account and XXXX CDs ) weren't linked to the new login they had had me create earlier. The morning of XX/XX/XXXX the CDs were linked to my new login, but not the XXXX XXXX account. After speaking to a service representative on XX/XX/XXXX I was finally able to see my Money Market account and proceeded to again try to link to a new external account on XX/XX/XXXX, at which point the login stopped working again, so I had to wait until Monday morning, XX/XX/XXXX, to call their support line and they said they would re-open the previous ticket, but I didn't receive a call back as expected. As I prepared to call again on XX/XX/XXXX I received email saying the account had been locked because of the request to link my external account ( several days earlier ), and instructed me to call a different number. After calling that number and answering a number of security questions and the account was supposedly unlocked I still wasn't able to login and was transferred to the standard support, but they were unable to do anything and don't seem to have any interest in helping further, with the ticket open, but the support person assigned to the ticket out for the holidays.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: Experian Information Solutions Inc.
State: IA
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 called and closed my XXXX credit card account last XXXX shortly after I paid the annual fee for 2021. This year they are trying to charge me the fee again and have reported me to the credit bureaus as being 90 days late. How can I be 90 days late on an account that was closed a year ago? 

I dont know my account number due ro the fact the account has been closed for a year and I destroyed the card when the account was closed. All I can get is the first XXXX digits 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 2020-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 sent a request to have fraudulent incorrect items reporting on my personal 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 2023-12-11
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX GOT A HOLD OF ME CLAIMING TO BE THE SUCCESSOR OF A ALLEGED DEBT FROM XXXX. THEY STARTED A XXXX XXXX XXXXXXXX SUPREME COURT CASE AND CLAIMED THAT XXXX HAD GIVEN THEM THE DEBT. I INITIALLY TOOK OUT A HOME DEPOT CREDIT CARD AND WHEN THE PANDEMIC CAME I REQUESTED ASSISTANCE UNDER THE CARES ACT IN WHICH THEY IMMEDIATELY CLOSED MY ACCOUNT AND TRANSFERRED IT TO THE COMPANY HEREIN. IF THESE COMPANIES DID NOT HAVE A RIGHT TO REPRESENT XXXX THEN I NEED THAT IN WRITING FROM XXXX. The previous complaint filed was closed because they said that whoever did this was unauthorized to represent XXXX So please give me this in writing. I was ultimately dealing with attorneys alleging to represent LVNV funding. LLC. There was a great deal of threats made and eventually I felt as I had no choice but to pay this XXXX party money.

Company response to consumer: Closed with non-monetary relief