BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-29
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: Credit inquiries on your report that you don't recognize

Complaint:
I DO NOT RECOGNIZE THESE INQUIRES ON MY CREDIT PROFILE. THE DATE OF ALL INQUIRES LISTED ON REPORT ARE THE SAME ( XX/XX/2022 ) 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

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 2023-06-29
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:
This is XXXX of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-03
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
On XX/XX/2021 i was informed to contact this company while trying to purchase a new car. The agent who took my call stated i had an outstanding credit balance of {$10000.00} after accessing my account. I then asked the agent whos id number is # XXXX to verify the creditor to who the debt was owed on file she could not tell me who the original creditor was. I then asked for a superior of hers to address the issue. XXXX id # XXXX then took a look at the file and told me that she could not tell me who was the original creditor either. They both stated that the alleged debt was assigned to them eliminating the possibility of them being creditors as defined under Title 15 1692a ( 4 ). I have now requested a verification of the alleged debt. In addition the account balance itself is a violation of Title 15 U.S.C. 1666d treatment of credit balances and should be handled according to the federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/2020 Someone hacked my paypal account and made multiple transactions to a total of {$1600.00} XXXX {$1000.00} paypal Instant tranfer to a prepaid visa card, which is not mine & {$660.00} from my bank Creditcard to a person named XXXX XXXX ( XXXX ). 
At the same time, this person has faked sending multiple amounts to my account and put all of them on-hold. 
Below are the amounts sent to me and put on hold Pending : XXXX XXXX + {$600.00} ON HOLD XX/XX/XXXX Held Money Received XXXX XXXX + {$650.00} ON HOLD XX/XX/XXXX Held Money Received XXXX XXXX + {$650.00} ON HOLD XX/XX/XXXX Held Money Received XXXX XXXX + {$200.00} ON HOLD XX/XX/XXXX Held Money Received XXXX XXXX + {$350.00} ON HOLD XX/XX/XXXX Held Money Received XXXX XXXX + {$500.00} ON HOLD XX/XX/XXXX Held Money Received Completed : VISA Card -  negative {$1000.00} XX/XX/XXXX Instant transfer using Card VISA Card XXXX XXXX - negative {$660.00} XX/XX/XXXX Money Sent These transactions were made @ XXXX while, I was out away from phones & computers, so no online activity from myside. 

It took a while to know what was happening and the first thing I did was to change the password for paypal account. 

Disputed the transaction ( Case : XXXXXXXX ) @ XXXX, hoping for a positive resolution and got a response @ XXXX that it is NOT unauthorized and denied my dispute. 
I tried calling paypal customer service ( for 3 consecutive days ) staying in the line for hours but no luck. Paypal agent mentioned that the person who did the fraud has claimed a dispute against me saying, I sold something to him and he didn't receive the product. Now paypal is investigating his dispute and declined my dispute transaction as authorized. Paypal is waiting for me to respond on his dispute, not sure what I can do here. 

I responded to my declined dispute email to provide evidence, on what basis my dispute is declined but haven't heard from Paypal yet. 
I even reported to local police station for record purpose and also reported to Complaint Referral Form Internet Crime Complaint Center. 

I couldn't reach the department which looks into Unauthorized transactions and help me resolve the issue, that is the reason I am here raising a complaint to reach Paypal team.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-29
Company: Experian Information Solutions 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 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 2020-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have never been late on my mortgage payments. Loan number XXXX However, three months ago, l notice a huge increase in my mortgage bill. 
I called them and was told they made an error in my escrow account. l explained that they paid for the insurance bill which l had personally paid for as well. 
I had sent the cheque which was refunded back to me by the insurance company to Bank of America, instead of applying it to my escrow account, l was informed it was applied to my mortgage. They apologized and promised to make amends. 
Presently, the account shows that l was delinquent for both XXXX and XXXX payments. Upon my investigating further, l learned that the account was put in delinquent and reported to the three credit bureaus. Now l received a tax sales letter from the city of XXXX. Several collections calls and a 40+ points decline on my credit score. 
This is detrimental to my job security, as a good credit review is part of my job requirement. 
Please help Thanks 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 2023-11-06
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: Account information incorrect

Complaint:
I spoke with XXXX with Agent ID aXXXX XXXX XXXX  on XX/XX/XXXX. I contacted XXXX XXXX today to go over my payment history. I asked from my first date of delinquency. I noticed that there are areas where there is no data. 

Here is what I gathered from XXXX to the end of the loan. I already requested this in writing and it should be emailed to me in XXXX to XXXX business days. 

XX/XX/XXXX {$440.00} reversed then I paid {$1100.00} XX/XX/XXXX {$280.00} XX/XX/XXXX {$280.00} XX/XX/XXXX no payment XX/XX/XXXX {$560.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$200.00} XX/XX/XXXX XXXX XX/XX/XXXX {$380.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$360.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$370.00} ( XXXX extension requests ) XX/XX/XXXX {$130.00} XX/XX/XXXX {$100.00} ( XXXX extension requests ) XX/XX/XXXX {$180.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$410.00} XX/XX/XXXX {$130.00} XX/XX/XXXX {$280.00} XX/XX/XXXX {$280.00} XX/XX/XXXX no payment XX/XX/XXXX {$450.00} XX/XX/XXXX {$280.00} XX/XX/XXXX {$280.00} XX/XX/XXXX no payment ( extension request 2 months ) XX/XX/XXXX {$1100.00} XX/XX/XXXX ( requested XXXX extensions ) XX/XX/XXXX {$280.00} XX/XX/XXXX {$560.00} XX/XX/XXXX {$560.00} XX/XX/XXXX {$280.00} XX/XX/XXXX {$280.00} XX/XX/XXXX no payment XX/XX/XXXX {$280.00} XX/XX/XXXX {$280.00} XX/XX/XXXX {$560.00} XX/XX/XXXX skipped but payment made for XXXX XX/XX/XXXX {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: Experian Information Solutions Inc.
State: MD
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$9700.00} 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

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 2020-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am trying to review my credit, and make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there. I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

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 2022-07-10
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : XXXX : XXXX XXXX Inquiry : XXXX XXXX, 2021 XXXX XXXX Inquiry : XXXX. XXXX, 2021 XXXX XXXX XXXX  Inquiry : XXXX. XXXX, 2021 XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, 2021 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 Equifax inquiries : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried to get the credit bureaus to remove The XXXX XXXX Bank. I have no clue who this belongs to. I have never received any mail or anything from them and the credit reporting agency protects them. They treat me like Im lying, because they always protect them to remain on my credit report. Ive tried time and time again to get it removed. There was never any purchase or anything so I dont understand why they are determined to keep fraud credit off peoples reports. But instead they only listen to the business not the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX 2020, There was 3 large fraudulent wire to wire transfers done without my permission. In the amount of XXXX and XXXX and XXXX from 3 people I have no knowledge of knowing. I never met these people and never authorized these transactions. I closed out my old account and set up a new account. I submitted a fraud claim it was denied. I appealed twice and it was denied by Navy Federal Credit Union. I submitted a police report on XXXX XXXX 2020. The detective filed a subpoena with the credit Union. The issue is still not resolved. Ive also filed a XXXX report. Ive attached a copy of the 3 unauthorized wire transfers

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: EQUIFAX, INC.
State: AZ
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:
Its been more than 30 days since the credit bureaus tried to resolve my problem with the account XXXX  ; XXXX Not only that but upon checking more detailed this account. I see that date of last activity is different. If its the same account everything should be 100 % ACCURATE. Furthermore, XXXX never marked the account as being under dispute I have circled the errors in my consumer report. Equifax also has this account as open when its been years that is closed. Please delete this account under the fair credit reporting act. This is a violation and its costing me time and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My chase amazon card was declined for a catering order I had placed for my brothers funeral in the amount of {$710.00}. I contacted chase around noon today XX/XX/2019 and was asked the last 4 numbers of my chase savings account and the other user on my account. I responded that I did not have a savings and I am only authorized user. Customer rep told me they would call me back in 10 minutes to keep the line open. I didnt receive a call back after an hour so I contacted chase. From the first call I thought someone was using my card fraudulently. I spoke to the rep who transferred me to a supervisor XXXX who said the card was activated and the transaction would process. Called the catering company and card was declined. I then used my XXXX  XXXX card to pay for the order. XXXX XXXX texted me asking if I was authorizing purchase and I responded yes. Contacted caterer and XXXX  XXXX was declined. I contacted chase again spoke to rep was told the initial questions are used to trick people to see what there answer would be. She told me the CVV code was incorrectly being input by the caterer and I responded that I had gone over the numbers and CVV used was correct. She told me the card was cleared for the purchase and she would monitor it for 24 hours. Called caterer - card declined. Use a MasterCard  which processed. Went to use chase amazon at restaurant at XXXX pm tonight in the amount of {$63.00} - it was declined. I was told by chase I was not over limit. Still frustrated figuring out multiple declines after several conversations with chase stating the card would be ok to use. Embarrassed as the caterer kept suggesting I was over my limit which I pay my card in full every month and chase confirmed that I was under my limit with the {$710.00} transaction. Never been declined by either chase or XXXX  XXXX before - today after multiple assurances that I was all set and card would be monitored to make sure transaction would clear - it never did

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
This is my second complaint over this issue, you all are charging excessive overdrafts. My account has been over-drafted for over two months, every time I make a deposit to bring it current it is swallowed by overdraft fees. I need you to waive some of these, it is ridiculous that I have made over {$900.00} in deposits and my account is still over drafted. I have made these deposits since my last complaint. Also when I called the contact center like the letter from XXXX XXXX stated to get a courtesy refund of overdraft fees and they had no idea what I was talking about. I have payed so many overdraft fees with this banking institution and I understand your rules. However I have ask to stop my overdraft protection a plethora of times and its ridiculous that these charges go through at your discretion when you see I don't have the funds to cover it. This bank is preying on people with financial issues by charging these excessive overdraft fees. I will start a class action lawsuit if I have because I know I'm not the only one that's being charges these fees. These fees are predatory to people being affected by the financial state of our country after covid and during this recession.

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 2023-11-07
Company: AMERICAN EXPRESS COMPANY
State: NH
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Trying to use a e-gift card for purchases and its not working anywhere. Its activated but refusing to let me use it at any store. Tried a gas station grocery store and XXXX. Attempted to call customer service to speak to a representative and was hung up on 2 times.

Company response to consumer: Closed with monetary relief