BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-03
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX is reporting XXXXXXXX XXXX for XXXX on my report and this account is not mine. They are violating FCRA guidelines which ive sent to them to adhere to. 

FCRA 15 USC 1681 602 AND 604 I DID NOT GIVE PERMISSION TO OPEN AND FURNISH THIS ACCOUNT ON MY REPORT AND THEY ARE ALSO VIOLATING MY RIGHTS TO PRIVACY AS WELL

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 2023-06-27
Company: AES/PHEAA
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 was laid off work due to a natural disaster ( Covid 19 ) I reported this to the company and they said I would be okay but report my payments late between XX/XX/XXXX to XX/XX/XXXX. By law it should of never been reported and THE LATE PAYMENT should be removed from my credit report ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 non-monetary relief
Consumer complaint received 2023-06-19
Company: Paypal Holdings, Inc
State: PA
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:
I was charged {$190.00} and {$59.00} on a PayPal Debit Card for purchases that I cancelled before shipping due to the cost being misleading by the vendor. The vendor shipped the package but I refused delivery. Although I've contacted the vender on numerous occasions, the vendor has not responded. I filed a dispute with PayPal on XX/XX/XXXX supplying all the communication with the vendor as well as proof that I did not accept delivery of the product. The status on PayPal indicates that a review would take approximately 5 days, but as of XX/XX/2023, the review has not taken place. I've attempted to contact PayPal but have only been able to 'communicate ' with bots. At one point, I was directed to open a chat through XXXX which I did. I was communicating with an unknown person on PayPal 's XXXX page with no resolution. I opened a private chat on XXXX and was communicating with an XXXX and a XXXX and was told that the issue would be transferred to the 'relevant ' party, however, the issue still has not been resolved or reviewed by PayPal . The account can be identified by my email address of XXXX. I'd appreciate any assistance in getting the charges refunded since PayPal is not responding and I've been unable to communicate successfully with a live customer service agent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: LA
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 XXXX XXXX resides at XXXX XXXX XXXX and is a VETERAN of the United States XXXX is a victim of Aggravated Identity theft and is being violated by these companies as a consumer. I have reached out to these companies four times stating law 605B.15 U.S.C. 1681c-2 BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT. These companies have done nothing but ignored my letters and leave remarks on my credit report stating that these accounts have been verified. Here are the USPS Tracking # numbers for each letter sent : Experian : 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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed this account several times XXXX XXXX account number XXXX. Transition is being a nuisance with disputing this particular account. Both XXXX and XXXX have deleted this account. I have submitted a FTC report, proof that the other bureaus have removed this account. I have no knowledge of this account, there is also no inquiry furnishing proof that this account was applied for.

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 2022-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
In 2019, I bounced a personal check from Credit Union in my BofA account. The reason I wrote it was cause my CU ATM was broken and I needed cash. 

I accidentally miscalculated and my check of {$200.00} bounced. I paid the debt and check systems shows as paid in full. 

BofA reported to XXXX as fraud activity! This has prevented me from opening a bank account ANYWHERE! 

It was an accident and not an act of fraudulent malice on my part. 

When I tried to deal with BofA they initially assured me that it will be take care and removed since it was paid in full. of etc. But ultimately refuse to remove it and respond with " we don't have to ''. 

I tried to dispute via XXXX but they state that BofA investigated and find it to be accurate. I don't understand what investigation of {$200.00} accidental bounced check that was paid in full was initiated, or how or what??? It makes no sense to me. 

Please help me BofA RTN # XXXX {$200.00} Paid in full

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 2021-12-18
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had a breakthrough case of XXXX recently and was sick with flu-like symptoms and had to quarantine. During that time, I was not able to move money in time, or make physical deposits, to cover several scheduled payments that slated to be deducted from my account. Since the merchants in question did not charge late fees, and I didnt want to outright cancel autopay for this account, I locked the debit card associated with these transactions and shut off overdraft protection on my account to avoid the {$34.00} overdraft fee per transaction ( particularly since the bills in question were only $ 20-30 themselves ). These were not ACH transactions and were strictly linked to my debit card only. Despite doing this well in advance, Chase proceeded to clear all these charges to my debit card, over drafting my account over {$400.00}, more than 1/3rd of which came from overdraft fees on transactions I did not authorize and for overdraft coverage I declined. I understand paying maybe one single overdraft fee, but now Im looking at close to $ 170+ in fees alone for a few small transactions that I blocked! I am a 100 % XXXX veteran and survive on a fixed income. These outrageous fees are clearly predatory and will only continue to accumulate as they continue processing payments and the account remains overdrafted until my next XXXX payment from the VA in a few weeks. With cost of living already so high, it is wildly unfair that people like me should continue to be preyed upon by big banks that rake in billions of dollars at the expense of XXXX, poor, and working class Americans.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-27
Company: U.S. BANCORP
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: Credit inquiries on your report that you don't recognize

Complaint:
I noticed a pull XX/XX/23 on my XXXX report today. I called XXXX. After 39 minutes I hold, they said I need to call the company. I called XXXX. They gave me a different number. I called the other number. They hung up on me after I asked them politely about the pull I did not authorize and obtaining a letter of deletion. I did not authorize this pull and need them to provide a letter of deletion to remove it from credit reporting. 

I also had an inquiry from US Bank I did not authorize. I was unable to get in touch with them by phone.

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 2021-12-18
Company: Experian Information Solutions Inc.
State: FL
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 recently pull my credit report and I've noticed a handful of account on my report that I have absolutely no knowledge of. Before contacting XXXX, Experian and XXXX I call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2018-12-31
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, we submitted a complaint against Citibank for reporting erroneous information about our credit card account. 

The issue is this : In late XXXX, XXXX we received correspondence from XXXX XXXX XXXX regarding the above referenced Citi Mastercard. In a subsequent phone conversation, we explained to XXXX that we had : Never received any statements from Citibank about the account ending in XXXX. 
Had never used the credit card Felt that this was somehow related to fraudulent activity that had occurred on a Citi Mastercard account ending in XXXX. 

At that time, we requested that XXXX provide us with Citi Mastercard account statements so that we could review the activity. On XX/XX/XXXX, we received 12 months of back statements from XX/XX/XXXX to XX/XX/XXXX. After a review of the information, we feel that the charges are fraudulent, as we had informed Citibank and the late fees and interest accrued unjustified. 

On XX/XX/XXXX, I received a letter from XXXX XXXX of Citibank 's Executive Response Unit stating that we were correct and that all late fees and interest charges were waived. I contacted Citibank on XX/XX/XXXX and was told that there was an outstanding balance of {$7.00} on the account but the balance was not past due. 

On XX/XX/XXXX, I received an email from XXXX stating the citibank had once more reported this account as past due. I have contacted Citibank once more and received no cooperation in resolving this issue.

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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect 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 non-monetary relief
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Revco Management, LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I notice that this company Revco Solution , XXXX continues to violate my privacy and my rights according to FDCPA. This is defaming my character and this company is violating my rights as a consumer according to 15 USC 1692. I have provided my ID to help identify me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-25
Company: EQUIFAX, 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:
XXXX, XXXX, XXXX XXXX, XXXX/XXXX  have inquired over 15 times on my Equifax Credit Report without my authority. I have since confirmed with XXXX XXXX  and their private label cards for them to remove the fraudulent inquiries from my credit report. I have been going back and forth with Equifax to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is a loan that is being reported on my credit report as CHARGED OFF but the lender has been garnishing my wages. Every two weeks they are deducting a payment of {$380.00} from my paycheck but they are reporting the account as a charged off account. I spoke to a lawyer and I was told that after the account is charged off it should be reported at {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
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 discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX  XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-03-28
Company: LJ Ross Associates
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021 I spoke to XXXX XXXX XXXX in regards to a bill that has been paid directly to XXXX XXXX XXXX. They stated they have removed authority from LJ Ross to collect on this debt and to report this debt. They have sent a letter to LJ Ross and to myself stating the debt was removed from them as it is paid in full directly to XXXX XXXX yet LJ Ross continues to report this debt on my credit reports. They do not have authority to report this debt.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: NJ
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 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2018-08-24
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
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:
XXXX has been non-compliant with removing the unverified account FAIR COLLECTIONS & OUTSOURCING which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that FAIR COLLECTIONS & OUTSOURCING was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2021-11-29
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Notice, it is a Fact, that, I agent for principal XXXX, XXXX and XXXX, I am federally protected consumer, holder in due course, attorney, for any and all derivatives thereof for the surname/given name XXXX, XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will autograph for my given name XXXX, XXXX and as the agent and administrator in fact. 



Notice, it is a Fact, that, unless SYNCHRONY BANK can provide a policy or state law which shows that the aforementioned policy and state law supersedes federal law, I hereby invoice the law of presumption and invoke federal law in to address the subject matter in affidavit herein. 



Notice, it is a Fact, affiant is aware, documentary evidence pursuant to XXXX XXXX XXXX includes all documents, papers, correspondence, books of account, and financial and corporate records which invoice all derives, assignees, hypothecations in connection with my all-caps name. I require this clarification in order to address the billing error for the amount shown in this statement in Exhibit ( A ). I need clarity who funded the account and how much is owed according to the journal and ledger entries from the date of open of this account as described in XXXX Publication XXXX. 



Notice, it is a Fact, affiant is aware with resolving this billing error the creditor has legally agreed to forfeit all rights to collect on the amount in dispute pursuant to XXXX XXXX XXXX ( XXXX ). 



Notice, it is a Fact, affiant is aware, SYNCHRONY BANK as the creditor may not collect any disputed amount, I the consumer and affiant, does not need to pay, the creditor can not restrict, accelerate payment or close an account and make or threaten any adverse reporting to any person about the consumer standing without resolving the billing error. Such actions by SYNCHRONY BANK will forfeit its right to collect the disputed amount as described in XXXX XXXX XXXX ( XXXX ) and hold the creditor liable under XXXX XXXX XXXX for SYNCHRONY BANK pursuant to XXXX XXXX XXXX for failing to require documentary evidence as requested to clarify and revolve the previously addressed billing error.

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