BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: NC
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 with product or service terms changing

Complaint:
I found out my ideniity was stolen around XXXX near the end or early XXXX and I did Identity I filled theft and fraud with the XXXX XXXX and some other places and I had a lot of accounts that were hacked. They were emails, XXXX accounts, XXXX, XXXX accounts, my school accounts, XXXX account, and they even made accounts in my name.m and they are in my phone still and still do all of this. They put credit cards on my credit and it was right many a couple of loans and a hospital bill cause I know I didnt go to the hospital in XXXX or my son! I have managed to get a few off my credit but some want budge. I dispute them rt often cause they arent mine and I want my credit to go back up XXXX is coming and I need to get presents and cant with out my credit. I am in school and dont make a lot of money. Experian was good at first now they are horrible in my opinion. Some of the employees made a lot of comments on my credit report, so many that I cant make any comments to my defense on the certain credit card or loan that they are commenting on. And today they made a big write up on the front of my credit report and it looks horrible to someone that looks at my credit report. That doesnt know me that maybe hiring me for a job when I graduate. I am going to school for XXXX XXXX and XXXX. That does not look good besides that, theres a privacy issue there, I would like it to be removed along with all of the comments. I have a fraud alert on my reports all three and I will not freeze my reports because I am still getting student loans and I will admit my credit has never been the best, but its never been like this because of all, the credit cards they put on my credit but XXXX trying to get them off. I think that that this has been enough with just the identity thrift but to deal with people thats supposed to help up and it seems all they want to do is bash you is awful. I hope that you go look at my reports! Thank you for listening to me have a good day 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 explanation
Consumer complaint received 2022-05-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I was a victim of an scam. I made two payments via XXXX, provided by my Bank ( Chase ). I called them as soon as I realized it, but they told me they could not help me because XXXX do not allow them to recover or stop payment. I lost {$1200.00} and Chase could not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: Experian Information Solutions 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:
I sent dispute letters XXXX  in XXXX and XXXX  in XXXX and the credit bureaus are refusing to fix the incorrect issues.

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 2022-01-06
Company: JPMORGAN CHASE & CO.
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021 I booked a room at the XXXX XXXX XXXXXXXX XXXX in XXXX, PA using XXXX - order number : XXXX. When I arrived at the hotel I discovered that it was sold out. The lady at the desk said the reservation would be cancelled and I'd be refunded the money. I went back onto XXXX to try to cancel and got the message that it was too late to cancel - I didn't give them enough notice. I'd only booked the room 30 minutes before arriving at the hotel, so I don't know how I could have given them more notice. I disputed the charge with my credit card company- Chase- and just received a letter from them stating that they contacted XXXX and were told that the charges were valid, because I didn't follow their cancellation policy. So, I booked a room and arrived at the hotel 30 minutes later to find the hotel was sold out but I was still charged {$150.00} for a room that was not available. I'm being charged because I didn't follow their cancellation policy, even though I wasn't able to cancel the reservation because of their policy, even though the woman at the front desk told me they would take care of cancelling the reservation with XXXX. 

Really? I'm being charged for a room that wasn't available? This is nonsense.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I had internet service with XXXX XXXX  company.the service was terminated but them continued to bill me for full service.i tried to rectify the problem with company and they contends that even though the service was odd im responsible for full amount and I refuse to pay for service I never had

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 2022-01-06
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 didnt verify bankruptcy case Id # XXXX correctly. They verified it thru a third party vendor and not the bankruptcy court. As I advised they are reporting incorrect information as I am still getting collections from debts that were included and they didnt provide physical proof of this debt and how they verified it.

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 2023-02-08
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-06-15
Company: Experian Information Solutions Inc.
State: FL
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: Billing dispute for services

Complaint:
I am writing to file a complaint against Experian, a credit monitoring service. I signed up for a free trial in XX/XX/2021, but was charged {$24.00} per month without my consent. I received free credit monitoring as part of an Experian data breach settlement but this was not applied. As of today, I contacted Experian customer service to request a refund, but they refused to do so. Stating their terms and conditions. I never used the services in fact they had an inaccurate email address the entire time- Ive never received any email either. 

I believe that Experian 's actions are in violation of the Fair Credit Reporting Act and the Consumer Financial Protection Bureau 's regulations. I have attached copies of my communication with Experian, including emails and receipts, to support my claim. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian.p Thank you for your attention to this matter. Please let me know if you require any further information. 

Sincerely, 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 2022-01-06
Company: EQUIFAX, INC.
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:
I, XXXX XXXX, checked my credit report and I noticed some fraudulent and inaccurate accounts and inquiries on my credit report. I reached out to the credit reporting agencies to remedy the situation and they would not help me remove these fraudulent and inaccurate accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
FCRA violations : payments never late XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Post office box XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Multifamily XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2021-01-04
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the 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
Consumer complaint received 2023-04-14
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 status incorrect

Complaint:
My payments are due on XXXX of every month After I made a payment and the last day of the month ( XX/XX/XXXX for XX/XX/XXXX payment ) it was due and payment credited, XXXX XXXX reported me over 30 days late when I paid the payment prior to the new payment becoming due now since they reported this inaccurate my credit drop 65 plus points

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 2022-10-10
Company: Thaxton Investment Corporation
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Quick credit has been calling me since XX/XX/XXXX demanding I pay for a loan check that was cashed in XX/XX/XXXX. I have not lived at the address the check was mailed for over 2 years. I asked for a copy of the check and the signature and other information on the back of the check does not match mine at all. They loan office location agrees with me, but swears there is nothing they can do about it and the loan must be paid. 

I have been told 3 times now or if not more that a packet will be in the mail for me to fill out forms and send my police report back in a prepaid envelope. Nothing has come in the mail at the old address this check was sent to in the first place and no packet has been mailed to my current and correct address given to them by phone and in person at the local location. 

I have filed a police report and have attached it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I received private student loans originated by Sallie Mae between XXXX and XXXX and later transfer to Navient. From that point, my private student loan balance from {$20000.00} something to {$120000.00} over 19 years. Due to misallocated payments, my balance has been within the range from {$120000.00} to {$130000.00} over 5 years. It is no way of determined how the calculations are done because they only show the balance and no history of the variable interest rate from XXXX to XXXX with the original loans from Sallie Mae before being transfer to Navient.

As of today, I requested documentation showing agreement for payment extended to XXXX. I have been paying on student private loans over 10 years and the balance has been the same. I am being charged interest daily, so I will never be able to pay down balance. In XX/XX/XXXX, I have documentation showing student private loans balance was {$26000.00} something XXXX. In XX/XX/XXXX, my balance is {$120000.00} something. With variable rates, this is the highest it has ever been ranging from XXXX XXXX percent. 

After requested documentation from Navient on the phone, the representative stated, I agreed to the extended payment plan to XXXX. I didn't agree to the extend payment plan to XXXX and I do not have any documentation agreeing to a extended payment plan. I am not on rate reduction plan. I am paying the amount based on the interest of loans. Recently, I paid extra on one of the loans and noticed the balance decreased and increased at the same time. I didn't signed a promissory note agreed to those terms and conditions of the loan. They have created their own terms and conditions. This is fraudulently and I need help with getting assistance with Navient cancelled these loans due to lack of no documentation. 

Currently, I am paying interest and principal of the loans and being charge interest daily for each loan. I am not in grace period, deferment, or forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX  on XX/XX/2022 ; XXXX  XXXX on XX/XX/2022 ; XXXX XXXX XXXX ( Reseller ) on XX/XX/2022 ; XXXX XXXX on XX/XX/2022 and there is XXXX XXXX XXXX on XX/XX/2022 The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. 
Did not consent to unauthorized inquiry.

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 2021-03-17
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX. CHASE Bank. Closed my account after I begged them to allow me time to keep it open because of my stimulus checks going to that account and to not fall victim to any of my money sent to wrong account. They closed it. I spoke with Account Recovery on XX/XX/XXXX to recoup the funds, they said that I had to have a 2nd personal checking to do so, and being that I didn't they sent my money back to IRS. Which I still haven't gotten as of XX/XX/XXXX. 
A 3rd stimulus was released from IRS on XX/XX/XXXX to the same account ending in 5206.. which I tried to update with IRS which they don't allow. Chase Bank said one again pay the old account off in amount XXXX and open a new account and they can reroute my stimulus from the closed account to the new account. I confirmed this with Claims and Dispute Dept at Chase Bank. So I paid it and opened a new up this time to avoid my funds being sent back. I asked for Notes to be on my account to prove that If I pay the old account I would have a reroute.. today XX/XX/XXXX my stimulus hit the account and How Nasty Chase Bank Claims dept Manager etc got with me. I feel hood winked and Tricked to pay that acct off and now being told it was a Corp decision to not reroute any funds regardless of new open account. Why wasn't that explained to me when I verified with the dept that reroute funds on Monday XX/XX/XXXX, and Tuesday XX/XX/XXXX I needed my XXXX to pay at mercy Bills to prevent a car repossession, and keep food the table and Chase Bank lied to me and led me down a dark path and then got nasty about my situation. I don't deserve that from Chase Bank to be lied to and tricked to get my last earned bucks and then told to Call IRS about your money, not us That was so nasty. As a consumer I've been wronged by a banking institution and account was notated that if I paid charge off, open a new account, I would still get my funds And the say of funds being deposited, I feel scammed by Chase Bank. They gave me false Hope in my drastic situation. Which is WRONG. No integrity, and all lies was told to me and I believed it. I don't trust Chase Bank and they practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Porania, LLC
State: NY
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 have these accounts and i want them to be removed from my credit. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft Chapter XXXX bankruptcy discharged Case Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine.

Company response to consumer: Untimely response
Consumer complaint received 2021-03-17
Company: Dedicated Credit Repair
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Dedicated Credit Repair are misleading with when it comes to their results of disputing negative times on a person 's credit report. In my situation the company filed a dispute with XXXX. They alleged that I had a total of ( 11 ) negative items on my credit report and that they were able to remove ( 8 ) of those negative items. When in reality, I never had ANY negative items of my XXXX report! My FiCO score was well over XXXX. This was a lie and misleading. Additionally, they are charging excessive fees for work that has not been performed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation