BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$930.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$930.00} US DEPT ED XXXX Balance : {$1300.00} XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXXXXXX Balance : {$760.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO 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 2023-11-12
Company: Chime Financial Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Hello, I would like to file a complaint and protest the banks chime decision on my complaint. On XX/XX/XXXX, I made a holding deposit when submitting an application, but on XX/XX/XXXX, I canceled the submission and the money for the application returned to my account, but the holding deposit did not return. When contacting a representative of the apartments, I was told that the transaction had already been canceled, and it didn't even go into their account, but remained in the bank, and if I don't get my money back, then I need to contact the bank. On XX/XX/XXXX, I created a dispute with the bank and the deposit amount was returned to my account. But today I received a letter from the bank, with the information that my dispute would be rejected and the funds would be debited from my account. Please look into the situation and give it an assessment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 

XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1400.00} ; XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$330.00} ; XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$1400.00} ; XXXX XXXX XXXX Date opened : XXXX XXXX, 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 explanation
Consumer complaint received 2023-03-10
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to the 3 bureaus directly through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX  ( Original Creditor : T XXXX XXXX ) XXXX Balance : {$490.00} XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX ) XXXX  Balance : {$390.00} XXXX XXXX XXXX XXXX  ( Original Creditor Name : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$4300.00} XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX ) XXXX Balance : {$2100.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 XXXX XXXX Inquiry : XX/XX/2022 2022

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 2023-04-24
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: Information belongs to someone else

Complaint:
This is my eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$930.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} US DEPT ED XXXX Balance : {$930.00} US DEPT ED XXXX Balance : {$1300.00} XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX  Balance : {$760.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO 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 2022-11-17
Company: SVB FINANCIAL GROUP
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have been expecting a refund from XXXX on an investment that did not go through. They, XXXX told me that their correspondent bank, Silicon Valley Bank. XXXX sent me an email showing that SILICON VALLEY BANK completed the wire transfer on XX/XX/2022. They say the {$1000.00} was deposited in my XXXXXXXX XXXX account and sent an email verification to XXXX which they forwarded to me. XXXX XXXX confirmed there we no wire transfers into my account in the month of XX/XX/2022. I called Silicon Valley Bank customer service, and they said they could only talk to XXXX. XXXX does not take phone calls. I emailed both XXXX and SILICON VALLEY BANK XXXX XXXX XXXX XXXX yesterday XX/XX/XXXX and copied XXXX XXXX XXXX  and have not received any response from either. Silicon Valley Bank has NOT wired the {$1000.00} into my account and they will not take my calls. Please help me. This has been going on now for 2 or more months. This is my {$1000.00} Thank you, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 want to inform the Credit Bureaus AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-27
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
This bank has me on ROBO automated dialing system, harassing me everyday when I specifically called them and told them I was going through a hardship due to COVID 19 on top of medical issues I can not disclose. Every month they are increasing and adding fees to my credit card. I have always payed off my debt at this time I need help. This company has not done anything but continue to harass me.

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 2023-03-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my NUMEROUS 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 items. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-07-21
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2022-03-28
Company: STATE EMPLOYEES CREDIT UNION
State: NC
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'm disputing State Employees Credit Union credit account # XXXX that's showing on my credit report incorrectly. Showing account is open and account has been close since XX/XX/XXXX, XXXX Credit report is showing a rolling 120 days late which is impacting my credit score and my credit impact. I have contacted State Employee and asked that they remove, and they have not. State Employee credit Union will not confirm the debt. The current amount owed on credit report is XXXX this impact my credit score and credit usage and affecting me getting home finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As these 5 transaction aren't mine and when i reported it to you guys, you guys quickly denied my claim through a letter, this is no help!! I'm not sure why you guys are treating me this way!!! i called back to you guys and you guys told me that you guys would investigate but nothing ever happened but only denied me for no reason what the deal!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/21 Trans union dropped my credit score 100 points after I paid a credit account down to 3 %. XXXX increase my score by 20 points on XX/XX/21 and so did XXXX. I contacted trans union on XX/XX/21 at XXXX to report the mistake. But the people there said it dropped because I filed a dispute. Your credit score can't be dropped because you file a dispute. I filed the same dispute with the two other credit bureau. And my score increased. I tried to explain that it was a mistake and please correct it. As if today it hasn't been corrected.

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 2023-10-03
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been trying to get in touch with this company who now services my loans ( Nelnet ) multiple times with no success. I emailed them on : XX/XX/26 and received an automatic reply : Thank you for your email. We apologize for not responding sooner. Were currently experiencing unprecedented email volume, which is preventing us from responding to your specific question ( s ). If youve already contacted us by a different means and/or resolved your issue, please disregard. Otherwise, we believe that one of these options may be the best way to find what you need : where you can view your loan details, apply for repayment assistance, and more. 
For answers to common questions, check out our FAQs page. 
For information about all aspects of federal student aid, please visit StudentAid.gov.

And never heard back from anyone. 

I have been trying to call them with questions on my account 5 times over the past 2 weeks. I have Waited on hold for as long as two hours with no answer. 

There is absolutely no way to get in touch with them regarding my account and this is unacceptable. 

I wanted more info on forbearance for a natural disaster, which they emailed me about and instructed me to reply to the email to say yes to opt in. This was never replied to and my account has no forbearance applied.

This servicer was not my original loan servicer and took over the student loans after the COVID pause ended and is completely inadequate in handling any form of my personal finances. I will not be making a payment until I speak to someone at this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
To Whom It May Concern, I am writing to file a formal complaint against PayPal regarding a concerning incident that not only affected me personally but also raises important issues of discrimination against the XXXX XXXX. 

On XX/XX/2023, my PayPal account was subject to actions that I believe were discriminatory because of my gender identity. Despite being a loyal and responsible PayPal user, I was informed that my account was suspended, and my funds were held for an extended period of XXXX  days under the pretext of " PayPal loss recovery. '' However, what deeply concerns me is the belief that my account was targeted solely due to my XXXX XXXX. This action, based on my gender identity, is a clear violation of my rights and goes against principles of equality and inclusivity. Discrimination against any individual or group based on their gender identity is not only morally wrong but also illegal in many jurisdictions. 

My account had a balance of XXXX XXXX 
Upon checking my account in XXXX I realized my balance on my PayPal account was reset to XXXX XXXX after a group of people made a complaint to Paypal because of my gender. 

As a member of the XXXX XXXX, I am deeply committed to promoting diversity, tolerance, and acceptance. This incident with PayPal has shaken my trust in the company 's commitment to these values and its responsibility to protect its users from discrimination. 

I kindly request a thorough investigation into this matter and a clear explanation of why my account was subjected to such actions. Additionally, I ask that PayPal takes steps to prevent such incidents from happening to other members of the XXXX XXXX  or any other marginalized group. 

I believe that addressing this issue is not only essential for me personally but also for the broader XXXX XXXX  and anyone who has faced or may face similar discrimination. PayPal should stand as an example of a company that upholds the principles of equality, inclusivity, and non-discrimination.

Thank you for your prompt attention to this matter. I look forward to a resolution that not only rectifies the situation but also contributes to a more inclusive and accepting environment for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: MOHELA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello, I have submitted multiple requests for consideration of XXXX and XXXX directly through XXXX and current student loan servicer MOHELA. For now MOHELA has updated the payment count to XXXX out of XXXX using only the XXXX payments I made. 

MOHELA has not received authorization to use the payments I made through XXXX to count for XXXX eligibility. I believe I have made XXXX payments to date and may be eligible for a refund of overpayment for about {$36000.00} to {$55000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: EQUIFAX, INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
So Equifax wants to close my complaint because they lied. EVERYONE HAS A FICO SCORE. The bureaus don't want to delete all those negative items removed from my account. How you close my complaint when EVERYONE has a FICO SCORE. You have my information and you font want to fix the issue. By law you have to delete due to lack of communication in a 8 month period. Please delete those negative items. You have my address I just got a letter from you. So Equifax lied I have proof they have my correct information. Please advise and delete every negative items. You can contact me directly if you like i have the proof here..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: NC
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 want to inform the Credit Bureaus AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-21
Company: EQUIFAX, INC.
State: HI
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:
Equifax reporting a XXXX XXXX account late 10 months after the account closed. Comments read : ( 30 days -2 ). The account was closed XX/XX/XXXX. They are reported late payments on XX/XX/XXXX which is 10 months after the account closed. All payments made on time. See attached documentation from XXXX XXXX. 

I have tried to rectify this with Equifax : 1 ) filed dispute on XX/XX/XXXX, faxed paperwork on XX/XX/XXXX and XX/XX/XXXX ; called and spoke with Equifax rep in XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 

This needs to be rectified ASAP as this account is from 4 years ago. 

Also, XXXX and XXXX recorded accurately. See commentary in previous disputes with CFPB. 

Thank you.

Company response to consumer: Closed with explanation