BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-18
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I Listed a guitar for sale on XXXX market place for XXXX no Shipping local pickup XXXX XXXX XXXX XXXXXXXX XXXX  XXXX NJ XXXX XXXX XXXX XXXX offered me XXXX additional plus transfer fees to ship the guitar through receiving the payment through PayPal He received the guitar in the picture right down to the serial number and opened a case with PayPal that should have never been opened XXXX XXXX SENT THE MONEY PERSONALLY witch is not covered by PayPal He then got His credit card company to pay him XXXX and refused to send the guitar He did not want? Back to me and refused contact with me kept His money and the guitar PayPal closed the case in my favor then turned the amount over to their collection agency and placed the entire amount on my credit report and began collection process with me for XXXX I talked withe several PayPal employees and filed a case and PayPal refused to see this as fraudulent activity the case no is XXXX they closed this in my favor I have the screen shots of PayPal closing the case in my favor

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: IL
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:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 2020-01-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I opened a chade ink business card in the branch the teller told me my first year would be waived but I found out its not. I tried calling chase about it and they stonewalled me. They want me to go into the branch and have the branch manager call them to admit some type of mistake happened I just dont have time to drive down there and deal with this right now but I do feel misled about the first year not being waived.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-04
Company: EQUIFAX, INC.
State: WI
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:
It is the Credit Reporting agencies duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are not. XXXX, Equifax, and XXXX are reporting 30 days inaccurate late payments for the XXXX XXXX XXXX XXXX with the account number XXXX. This includes late payment ( s ) 30 days for the months of XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2019. These are incorrect and supposed to be reported as Paid as Agreed. Furthermore, pursuant to 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person ( s ) making the report. A transaction constitutes these late payments resulting in XXXX, Equifax, and XXXX violating my Federally protected rights. To add to this, I did not give XXXX, Equifax, and XXXX written instruction/permission to furnish these inaccurate late payment ( s ) on my consumer report of file, thus violating 15 U.S.C. 1681 b ( a ) ( 2 ). It is clear that XXXX, Equifax, and XXXX has violated my Federally protected rights under the FCRA and the inaccurate reporting is causing me undue hardship and my reputation severe harm and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take into consideration this complaint I am writing to inform you that your information is inaccurate. I do not recall having a bankruptcy on the dates you are reporting and there are blank fields making your information incomplete as well. Additionally, this is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved and then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove it immediately. 



XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2016 Reference # : 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 2022-09-26
Company: Experian Information Solutions Inc.
State: PA
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-09-26
Company: Experian Information Solutions 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:
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 and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX CT XXXX, NC XXXX XXXX/200 XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: KS
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:
I already submitted a dispute with your office with Experian and they responded and I have attached their email they sent, clearly it must have been a automated reply because, again I pay a fee every single month to access my Experian credit report, paying for my report I should see everything that Experian reports and provides to lenders, HOWEVER as you can see by the denial letters from lenders, lenders are claiming I have negative accounts on my experian credit report, I have attached my paid for Experian credit report dated today XX/XX/2022 as you will see there are XXXX NEGATIVE accounts, XXXX bankruptcy accounts on my credit report, BUT there sure seems to be on the reports they are providing to lenders because I am being denied credit for those reasons, I mean its clear as day in denials from lenders that my credit report I get and pay for is NOT the same credit report being provided by Experian to lenders, thats fraud

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 2021-06-22
Company: EQUIFAX, INC.
State: MS
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 communicated on numerous times to Equifax, XXXX  and XXXX  in regards to the incorrect reporting of information on my consumer reports!!!! It has been well over 30 days and nothing has changed! My most recent attempt was submitted on XX/XX/2021 and there has been no response, and there has been no changes made to my consumer reports! XXXX, Equifax, and XXXX refuse to make the necessary changes to my reports, which is unlawful. Ive made several calls and submitted various disputes throughout the past year and my most recent dispute letter has yielded the same results!!!

According to 15 U.S Code 1681 ( b ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer with whom it relates. This makes everything that they are reporting unlawful and these inaccuracies should have never been reported without my written consent in the first place!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Synovus Bank
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Have used bill pay to process payments on account for years. I made the mistake of not turning off a bill payment and a payment was sent for {$200.00} after I made a payment on their site for the same amount. Now my account has {$400.00} out on a credit card that my balance is only {$200.00}. I have spoken with several agents and no help was told should be available 24-48hrs. It's 72 hours now and I spoke with a manager XXXX that stated since payment was sent via check it has to hold 10 days. Advised him the manager XXXX stated if it was bill pay it should be available on the XXXX and no later than the XXXX. Of course XXXX isn't available to confirm what she stated. I asked supervisor XXXX to check previous bill payments all sent through my same bank all sent the same way and was available with 24hrs. No one can tell me why this bill payment is being held after over paying on a credit card! It wasn't sent via check it was sent via electronic as it always have been

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I would like this agency to open investigation in regards Nationstar Mortgage LLC. this services must show the appropriate change of title in how they acquiring the loan at question Loan # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: NATIONSTAR MORTGAGE LLC
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I called in my monthly payment and went through the menu to start up monthly withdrawls from my account. I got through it and listed the next payment was to come out on XX/XX/XXXX. XXXX days later they took another payment (unauthorized) from my account and bounced my checking account by $XXXX. I've called and talked to them about it, sent back statements  show that XXXX payments were taken out. Now they're telling me that I called in an emergency payment, which I didn't do, and are now trying to lie and say that I made a payment online, which I have never done, never even set up an online account. This company wrongly took money from us, screwed our account so badly that we had to cancel a mini vacation we had planned to take with our children bc of all the missing money and they keep floundering in their attempts to tell me that I made XXXX payments in one month of my own free will, which is so stupid it's almost laughable. On top of that, they tell me that the automated payments that I set up were not in place so while I was thinking that the payments were coming out, I'd be getting late charges added to my account, which is how this company operates anyway. This isn't the XXXX time that they've messed with our lives. Last year I got a foreclosure  notice saying that I missed XXXX payments which was untrue, but when I called the XXXX number to find out what exactly was going on, they told me that every payment was accounted for and that they had no idea why I was receiving foreclosure notices. But they charged me late payments and told me that they had only recently "found" my payments within their company. That makes everything their fault but I had no recourse to try to fight this. I'm told that I own $XXXX in late fees for XXXX late payments, which were not late. They've shot our credit w their bogus XXXX late payments and so now we can't refinance w another company and get out from under these thieves. They've been known to not process a payment, which means that they claim late fees for months before you even know it. This happened to us a few years ago. We've lost XXXX to this company when an honest agreement was reached by XXXX us, but honest money isn't good enough for them. They want to suck late fees and anything else they can get out of you. They need shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: MI
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:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: IL
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: Experian Information Solutions 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:
I discovered multiple inaccurate accounts, inquires, and addresses reporting after checking my credit report on XX/XX/2023. These companies received documentation that these were erroneous charges being reported due to identity theft and still did not acted to remove the accounts/funds in question from my credit report. This has caused emotional strain and has been highly time-consuming for me to continue to request that these accounts be removed. I want penalties against the companies involved for failing to investigate identity theft claims and for the emotional stress this experience has caused. I am disputing the following accounts : XXXX Account # : XXXX Past Due Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$1300.00} XXXX XXXX Account XXXX : XXXX Balance : {$0.00} XXXX XXXX Account XXXX XXXX XXXX Balance : {$0.00XXXX XXXX Account # : XXXX Balance : {$31000.00}

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 2023-01-22
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My CITi Bank checking and savings account, was subjected to fraudulent activity, by someone gaining access to my account, transferring all the money out through XXXX, and creating an unauthorized loan account, which was also drained. I contacted Citi Bank fraud department immediately, they opened an investigation. Over a week passed, and now I have been informed that Citi Bank will not be refunding me the money, as they say it was my fault. Additional checking accounts were also creased by the fraudsters. CITi Bank has not fixed my account, refunded the stolen money, and has not removed the unauthorized loan account. CITi Bank does not seem to care or take responsibility for my money.

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 2022-09-26
Company: Chime Financial Inc
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Chime limited my account for a reason they have not made clear I have over XXXX $ in the account they placed a limit that I can only spend XXXX $ a day and withdrawal XXXX $ a day from ATM I just want to get my money out and move to another bank but they wont let me they keep talking me theyve fixed the issue but it never gets fixed they have stolen my money and its locked up the only option I have is to withdrawal XXXX $ a day till I get my thousands of dollars out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 2023-06-23
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:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT 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