BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-17
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2022, I received an email from Paypal saying that my account had been limited because they received a restraining order related to my account. They gave me the name of the lawyer who supposedly sent the restraining order. I contacted him, and he said that he had made no request related to me or my account. 

I told Paypal customer service this through their messaging system and by phone call. The people I talked to could not provide me with a copy of the restraining order and said they could not remove the limitation on my account. They told me I would need the lawyer to request the removal of the restraining order ( which the lawyer said he never made in the first place ). 

I have a balance of {$53.00} in my account that I am unable to withdraw or transfer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-07
Company: EQUIFAX, INC.
State: NY
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:
Hi, i have tried to get this resolved with equifax customer service and they have not been helpful in removing these fraudulent inquiries on my credit report. These are the lists of inquiries on my report that i did not authorize and want removed. 

1.XXXX XXXX XXXX 2.XXXX/XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX XXXX 5.XXXX XXXX 6.XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
I have three accounts with Synchrony Bank ( e.g., two with PayPal and one with XXXX  ). On XX/XX/XXXX, I filed XXXX  XXXX bankruptcy in XXXX XXXX North Carolina. My legal counsel is XXXX XXXX XXXX of XXXX XXXX NC. My case # is XXXX. I have received repeated texts, emails, and phone calls about these debts. Please send all communications from the creditors to my legal counsel.

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 2023-12-04
Company: EQUIFAX, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XX/XX/XXXX I mailed a letter to TransUnion and XXXX disputing the following inquiries on my credit report : TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite including a copy of my Social Security Card, my State ID, and my signature on the letters, TransUnion still mailed a letter requesting verification that I was in fact the person disputing my credit report. I called the phone number listed and spoke with someone who stated that my information is now verified and an investigation would take place regarding the disputed inquiries. There has been no contact from TransUnion past that point. It has been well over 30 days. 

On the same date, I mailed the same letter to XXXX with the incorrect inquiries they had listed. XXXX NEVER responded regarding the inquiries.

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 2023-01-20
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I applied for an IKEA credit card ( with comenity capital bank ). But I never received the card. Obviously, someone stole this card, open the card and made purchases for XXXX without my authorization. 
I tried connect with the bank 5 times. Still not get this resolved. I want to dispute the charge and recover my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
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: Investigation took more than 30 days

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report - to this day over 30 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored in regard to my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will fill litigation due to the stress caused to me. My information has also been impacted by recent credit bureau breaches within the last year and my information may have gotten into the wrong hands

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 2020-01-28
Company: AES/PHEAA
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 for several years tried to challenge this loan for discharge through the proper channels. I was sent the wrong forms by the phone team many times. Most recently I believe it is frozen for proper investigation? Can we confirm thos status please? Also there is incorrect negative credit reporting on all 3 bureaus ; XXXX, XXXX  and XXXX  that show I have missed, late payments from the aforementioned issue. I was told the credit report is showing for XX/XX/XXXX a 90 to 119 days late. This is hurting me and keeping me from getting a job. Please update this immediately. Also, the below XXXXXX/XX/XXXX rep and office, as well as the Maryland attorney generals office volunteers emphasized they do not like handling ny complaints in good faith. They obstruct my legal rights. You will see a culmination of phone team abuses, phone team social justice warrioring and an overall distain for me having a credit score with purchasing power. All of this destroyed by bratty phone reps and complex tech errors. Please handle each complaint without profiling the number of complaints. Please consider legislation the allows transparency and immediate receipts from each business phone transaction. The individual needs to be able to wire tap business transactions for accountibility if not. All problems since XX/XX/XXXX stem from kids not liking my tone then sarcasticly transferring me in circles messing up ny accounts. I left a clear record timecapsuled for all agencies how social justice warriors in the phone illegally sabotaged my american dream. Please correct these scams. I give up and will not have children here or participate sincerely in business until fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Financial Business and Consumer Solutions.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had an account with XXXX XXXX XXXX explained to them the furniture was lost during Hurricane Harvey due to knee deep water in the house. The amount owed {$2500.00}, was written off in 2017. Now I receive calls from FBCS , Inc. ( collection agency ) telling me they bought the debt. Somehow they're reporting to credit bureaus the account is reopened & closed again. I get alerts informing me of this. I contacted XXXX & the Attorney General in TX about these unethical practices. I'm enclosing the email sent to me & the letter from the Attorney Generals ' office in response to my complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Kriya Capital, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from CREDENCE over the weekend saying I have a collection from XXXX XXXX. I have never used their service, this is not my collection and this derogatory account caused my score to decrease. This account shows opened XXXX of 2020.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: KY
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX {$7300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} 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 2023-02-18
Company: EQUIFAX, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and update in my credit file XXXX XXXX Balance Owed : {$670.00} ; XXXX XXXX XXXX Balance Owed : {$630.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report - to this day over 30 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored in regard to my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will fill litigation due to the stress caused to me. My information has also been impacted by recent credit bureau breaches within the last year and my information may have gotten into the wrong hands

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
American Express contacted a relative on XX/XX/23. I contacted the representative, XXXX XXXX at XXXX XXXX on XX/XX/23 where I was informed that they wanted to talk to me about a potential settlement. I informed XXXX XXXX that I have an attorney representing me for the handling of this debt, that said attorney has already sent a power of attorney to AMEX and that communications needed to be conducted via that attorney. I was told by XXXX XXXX that because my attorney works for a debt consolidation firm that AMEX would not be contacting them because they don't deal with debt consolidation firms. I thanked him for his time and discontinued the call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
Company: SN SERVICING CORPORATION
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchased my home in XX/XX/XXXX and in XXXX I became XXXX In XX/XX/XXXX, I was approved by Keep My Tennessee Home Hardest Hit Fund Loan through the Tennessee XXXX XXXX XXXX ( XXXX ). After my loan was completed I was approved for a loan modification through XXXX XXXX Mortgage XXXX and then transferred to XXXX XXXX XXXX I was approved for a XXXX modification through XXXX XXXX XXXX XXXX XXXX ) in XX/XX/XXXX at the height of XXXX. I completed the trial period in the amount of {$650.00}. XX/XX/XXXX I underwent another hardship when a water pipe burst under a slab in my home which increased the water usage and my bill was extremely high and couldn't make my mortgage payments. In XX/XX/XXXX, XXXX informed me by letter my mortgage was being transferred to SN Servicing Corporation and they would be able to assist with the modification process. During XXXX and the slab leak and high utilities my payments fell behind. In XX/XX/XXXX when I became able to to start making payments my case manager./representative, XXXX XXXX ( XXXX XXXX XXXX X XXXX told me I needed to do another modification even after I told her I was approved by SPS. She also told me to pay something to show good faith, ( at least I started to ). In XX/XX/XXXX I received a letter stating {$600.00} payment was rejected and charged {$30.00} which wasn't refundable because it wasn't sufficient to make the payment as stated in the notice of payment for {$710.00}. And I never received my final modification contract with new mortgage payment. At this point I was confused and in need of help. She said I needed to pay as of XX/XX/XXXX {$12000.00} mortgage payments in full. She said I couldn't afford my home and should sale it, file bankruptcy take out a XXXX XXXX XXXX, after she revealed to me she was homeless. I told her I was sorry to hear that but it sounds like you want me to be homeless too, because instead of trying to help me keep my home you sound like you want me to be homeless like you were. I asked to speak with her Manager. She transferred me to her Mgr. XXXX XXXX. They both refused to accept any payment unless it was in full ( one lump sum ). I feel I have been discriminated against because after my mortgage was transferred from XXXX XXXX XXXX, SN Corporation Servicing refused to honor my Covid-19 hardship modification, refused to accept reduced payments or make payment arrangements. I now have foreclosure sale date on my property for XX/XX/XXXX Respectfully and Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRUIST FINANCIAL CORPORATION
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Regional Acceptence agreed to remove this account off my report once so settled it the them. They have not kept their word as it remains on my report. I have called and still no answer or call back.

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 2020-03-26
Company: KeyBridge Medical Revenue Management
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom it may concern RE : KEYBRIDGE MEDICAL REVIEW MGT XXXX This is the 3rd time a 3rd party debt collection such as yourself ( XXXX XXXX XXXX XXXX ) has attempted to collect on this account that was never verified under OHIO LAW 1319.12 ORC Taking assignment of Debt. ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : ( 1 ) The assignment was voluntary, properly executed, and acknowledged by the person transferring title to the collection agency. ( 2 ) The collection agency did not require the assignment as a condition to listing the account, bill, or other evidence of indebtedness with the collection agency for collection. ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

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 2021-02-26
Company: JPMORGAN CHASE & CO.
State: TN
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:
In the state of Tennessee theres a charge for fraud by theft i have pressed on someone Ive never met in my life. This person pretended to be a friend dear to me by using pictures videos and sounding like them to steal from me thousands. Chase has denied my claim and said that basically theyre counting it as a scam because its technically authorized. Even with the police report and investigation ongoing. I was referred to handle it through the legal system. If i cant get this resolved i will simply close my accounts with all creditors except XXXX and XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation