BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-18
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: ALLY FINANCIAL INC.
State: MI
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:
Response to CFPB # XXXX, XXXX Just today I received a response from XXXX with Ally Financial XXXX I do not have her email therefore I want to sum up this whole ordeal as I understand it and hopefully she can tell me if I am correct in the understanding? 

I took out a XXXX loan with Ally in XX/XX/XXXX and never once have missed a payment so much as even a day late. Not once. I co-signed for man daughter back in XXXX. She turned her vehicle in XX/XX/XXXX and later received a note saying she owed XXXX. Then in XX/XX/XXXX she received another letter stating she owed a new balance of XXXX. At the time she turned in the vehicle she was told she had to pay an additional XXXX monthly to compensate for her over mileage. We assumed that was the end of that. 
Then XX/XX/XXXX a letter came to the house saying she owed XXXX. I immediately sent the bill to her and she paid it. 
Now, I find a charge off on my credit report saying I never paid the XXXX. We moved from XXXX XXXX XXXX XXXX in XX/XX/XXXX to XXXX XXXX XXXX. Supposedly there were many attempts to collect that debt from me for the XXXX that I never received. I took out the loan for XXXX in XX/XX/XXXX so Ally certainly had my address. Why was mail still being sent to XXXX XXXX XXXX XXXX, I am and have been paying XXXX a month since XX/XX/XXXX and never once been late or missed a payment. Common sense tells you I would pay XXXX had I known. How many times was I contacted via phone? None. How many letters were sent to my new address XXXX XXXX XXXX? Not one. I have been a loyal Ally customer and I get XXXX charged off? That's the thanks I get? Unbelievable is all I can say. 
I will add, just today I sent letters to Ally CEO XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Ally XXXX XXXX XXXX. Not to mention Ally offices in XXXX Mn and XXXX Ky. I had no idea this was all over XXXX because today was the first I'm hearing about it. I assumed it was over the XXXX I am and have currently been paying. 
Come to find out the collection company said in the letter to my daughter she had XXXX amount of days to pay and avoid collection. She paid within that time frame yet Ally still charges off the XXXX and puts it on my credit report all the while I had no idea it was even owed? Unbelievable.

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 2022-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX Transunion XX/XX/XXXX Dear Credit Bureau : I have a few questions about several inquiries on my credit report. Is it true that in order to pull someones 's credit report, you need permissible purpose to do so? If that is the case, then why did the company below pull my credit report WITHOUT MY AUTHORIZATION? In my last dispute, i asked for the unknown inquires to be verified and my request was ignored. I DID NOT AUTHORIZE THESE COMPANIES TO CHECK MY CREDIT FILE. 

Creditor : XXXX -- Inquiry Date : XX/XX/XXXX XXXX -- Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX- Inquiry Date : XX/XX/XXXX From my understanding, this is against the law!! I did not authorize these aforesaid companies to pull my credit report, PLEASE DELETE THESE INQUIRIES TODAY!!!!

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 2019-02-25
Company: EQUIFAX, INC.
State: NC
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 XX/XX/XXXX, I sent investigation requests to all three credit bureaus. As of today ( XX/XX/XXXX ), I have received responses from XXXX  and XXXX XXXX ; but Equifax has NOT responded yet. Its been well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
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:
I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

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 2021-06-04
Company: Paypal Holdings, Inc
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
PayPal has a service called PayPal XXXX, which acts as a virtual card that generates a unique number and allows you to charge underlying cards you attach. This provided an easy way to manage multiple credit cards, as I can switch the underlying card easily and only need to remember and use one number rather than multiple. PayPal acts as an intermediary and charges my credit card, then facilitates the payment to the merchant. 

On XX/XX/2021 I received 6 refunds in regard to transactions I made at XXXX, XXXX, and XXXX using my PayPal XXXX  at the end of XX/XX/2021. On or around this same day, my PayPal  account was permanently limited for undisclosed reasons. I am unable to access these funds, and/or receive refunds from any outstanding transactions. 

The following transactions were refunded to my PayPal account, but I am unable to withdraw : XXXX {$4900.00} XXXX {$3000.00} XXXX {$4300.00} XXXX {$1900.00} XXXX {$3000.00} XXXX {$3000.00} I also had refunds sent to me by the merchant for these two outstanding transactions, Missing refunds from transactions : XXXX {$3100.00} XXXX XXXX {$5000.00} XXXX These transactions were for personal airline tickets in my name I purchased using my credit card through PayPal XXXX. These flights were subsequently canceled, and refunded to me. It appears these refunds have been going to my PayPal cash balance, not the actual underlying credit card used on my PayPal  XXXX. Because of this, I essentially have $ XXXX in credit card bills, but PayPal has held the refunds as theirs! 

I am respectfully requesting the release of my funds. These funds should have been refunded to my underlying credit card. I can not be charged for a transaction that was canceled and refunded and have my funds held. I request either the release of these funds, OR the return of these funds to my underlying credit card that was charged by PayPal XXXX. 




I also had refunds sent to me by the merchant for these two outstanding transactions, Missing refunds from transactions : XXXX {$3100.00} XXXX XXXX {$5000.00} XXXX Additionally, I am requesting the return of my funds for these 2 above transactions that were unable to be refunded by the merchant. I am unable to dispute this transaction with the merchant because PayPal has limited my account and dispute access. Essentially PayPal is not allowing the merchant to refund me, and I can not open any dispute or inquiry into this matter because PayPal has limited my account access!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Experian Information Solutions Inc.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-08-31
Company: LEXISNEXIS
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
On XX/XX/2022, my parked car was hit by a person in a hit and run. I filed the police report and submitted my claim to insurance as a hit and run victim. My wife is trying to get insurance and add me to her policy, but when the insurance company checked my background via the LexisNexis database, it states that the accident was my fault and I received XXXX points on my license because I was at fault. I contacted both my insurance company and the reporting police department and confirmed that I was not at fault and I received no points for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Credit Card Receivables Fund Incorporated
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Unfunded keeps reporting me to credit report agency 's for a debt that isint mine. Reported XX/XX/, amount XXXX, continues to try & collect after being told to stop multiple times. Has no proof of debt belonging to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
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: Card was charged for something you did not purchase with the card

Complaint:
During travel our USAA XXXX credit card was stolen and was reported once noticed and determined charges were made that we not made by us. Once reported, USAA placed a credit on the account for the charges and not additional information contact regarding this fraud occurred. 

In XXXX of XXXX, the six charges were then charged back on our statement. We then immediately called re-reported these as fraud and asked why these were charged backed- no reason was given. On one call several days later they were calming that we said the charges were valid which was not correct. What we believe happened is several days after the card in question was reported, closed and the credit issued, USAA block charges on another one of our cards on the account and we called in to have that card reactivated ( a different card than one that was reported ) - We sent a letter on XX/XX/XXXX ( confirmed by USAA that they rec 'd on XXXX ) review these details. 

We called back on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XXXX and in all cases spending long periods of time and speaking to multiple people who said they would research, and we would get a resolution in XXXX calendar days. To this date we have not received and call or any correspondence including any response to our letter sent in XXXX XX/XX/XXXX XXXX XXXX XXXX$9.00} XX/XX/XXXX XXXX XXXX {$120.00} XX/XX/XXXX XXXXXXXX XXXX  {$49.00} XX/XX/XXXX XXXX XXXX {$430.00} XX/XX/XXXXXXXX XXXX XXXX {$15.00} XX/XX/XXXX XXXX XXXX {$130.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: SYNCHRONY FINANCIAL
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022, I mailed a certified letter advising Synchrony Bank/XXXX XXXXXXXX XXXX of the dispute I had with XXXX XXXX XXXX in the amount of $ XXXX $ XXXX {$61.00}. I sent copies of the emails that XXXX XXXX sent me stating the discounts that they applied to my account, but never applied these same discounts to my credit card. 

I informed the bank that they needed to cancel the original credit card and issue me a new credit card and not to accept any more charges from XXXX XXXX to my account. As of today, they still have not resolved this dispute and credited my current credit card. 

On XX/XX/2022, I noticed on my XXXX statement that XXXX XXXX had charged on my new credit card {$48.00} on XX/XX/2022, and {$48.00} on XX/XX/2022 ; neither of which had been authorized by me. Immediately, I filed a new dispute requesting a full refund in the amount of {$12.00}, {$48.00} from XXXX, {$48.00} for XXXX, and {$48.00} for XX/XX/2022 = {$150.00}. This company has done nothing but steal from me and Synchrony Bank is enabling them to continue this theft. 

On XX/XX/2022, I phoned Synchrony Bank customer service and was told by their representative that I should not have closed the original credit card and opened a new one because it confused the system. I told him that was a bunch of * % #! And to close this new recent account and send me a new card and do not allow ANY MORE CHARGES TO MY CREDIT CARD AT ALL!!! The reason I asked for a new card was to keep XXXX XXXX from accessing my account and making charges without my authorization. And this bank totally ignored my request and allow them to charge twice on my account.

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 monetary relief
Consumer complaint received 2022-01-03
Company: SYNCHRONY FINANCIAL
State: NV
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:
This account was fully paid. Ipaid it even I lost the card and not the one who use it. but it still reporting on my credit report as negative. Please help me to fix it. Thanks

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 2022-08-13
Company: I.C. System, Inc.
State: VA
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:
In accordance to the fair credit reporting act XXXX  account I C Systems Collections, has violated my rights in Pursuant 15 USC 1681 section 602 A states I have the right to privacy. Also violated is 15 USC 1681 section 604 A section 2, states a consumer reporting agency can not furnish an account without my written or oral consent/ instruction.

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 2021-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The problem is that my account was closed for absolutely nothing that I did wrong! I have the evidence to prove that I have paid my bill consistently on time for over a year. My bill was due on the first every month until they changed it to the XXXX after closing my account. On XX/XX/XXXX I went online to pay my Kohls bill and was not allowed to do so. My available balance was reduced to zero and my account was closed. I looked at my payment history and saw something called a Merchandise finance charge refund dated XX/XX/XXXX ( which is why I assume they changed my due date to the XXXX ) which I did not understand. I called Kohls the same day ( XX/XX/XXXX ) to find out what was going on and they told me it was because I filed for bankruptcy which I have never filed. I complained that there had to be some misunderstanding or misinformation, I have never filed for bankruptcy and I have always paid my bill on time. They said that they would look into it and submit it to a review process and to check back in approximately ten business days. I called back on XX/XX/XXXX and someone ( ID XXXX XXXX told me that something was filed on XX/XX/XXXX to reverse the charge out. I allowed more time for this to play out. I called again on XX/XX/XXXX and was told by someone ( ID XXXX XXXX that A letter was sent to me on the XXXX requesting income information and that this information would allow them to reopen my account. I received a letter on XX/XX/XXXX saying only that my account was not able to be reopened due to " missing income ''. The letter did not request any information from me. After receiving this letter I made a second call to Kohls that day to tell them that the letter they sent me did not request anything and I could not understand why I couldn't just tell them what they needed to know over the phone. The person I talked to ( ID XXXX ) told me that I should wait for a second letter! I told them my patience was running out. It's been over a month. Today is XX/XX/XXXX and I have yet to receive a second letter, my account is still closed, and my available balance is still XXXX. I'm still making my payments in spite of them closing my account and charging me a late fee for them not allowing me to make my XX/XX/XXXX payment on time! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Experian Information Solutions Inc.
State: PA
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:
I have filed a dispute in regards the incorrect items on my credit report. It has been well over 30 days an I haven't received any investigation results.

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 2022-01-10
Company: EQUIFAX, INC.
State: GA
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:
I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. I never gave your company consent to use my consumer report to furnish unauthorized hard inquiries. 


This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, XXXX XXXX loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Around XXXX XXXX, XXXX I received an American Express gift card for {$100.00} from a relative for a XXXX present. On XX/XX/XXXX I used the card for the first time at XXXX XXXX. They informed me they could only process {$70.00}. I contacted American Express immediately and they told me there were 4 other XXXX charges in the amounts of {$10.00}, {$10.00}, {$5.00}, {$5.00}. They gave me the persons name, address that made these purchases and informed me I needed to contact XXXX as they do not handle claims. I called XXXX on the same day and they said they created a complaint and I would receive an email within 10 days. I did not. I contacted them again on XX/XX/XXXX and was told these were not XXXX charges. I have spoken to two different supervisors of XXXX and spoke with American Express 3 times. Have not received a refund from either companies. I contacted both companies again today with no results. They have stated they recorded all of my phone calls. I have supporting documents with more information if needed. Again I do have the persons name, address and now have their phone number who made these fraudulent charges. Both companies have stated there is nothing they can do in refunding the {$30.00} back to the gift card. 
They told me I would have to file a complaint with a government office or the police. So I am filing a complaint with you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-03
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filled a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation