BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-24
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called Experian spoke with XXXX in Disputes twice with no resolution. 

I asked does filing a dispute affect your report before the dispute is settled. XXXX told that the question was out of his scope and his Supervisor would not come to the phone as it was out of their scope as well. XXXX transferred me to Experians membership department because according to him they're the only department who can answer question regarding what affects scores.

At the membership department I asked the same question 'at Experian does filing a dispute negatively affect a credit score? '' I was advised to contact a credit  advisor and was transferred back to the disputes department and the same rep XXXX answered the phone. I asked for a supervisor then someone named XXXX came to the phone which sounded like the same person trying to us a different voice. 

I asked XXXX to tell me any new negative reportings for the last 2 weeks. He confirmed what I suspected which was nothing negative had been reported on my report any time recently. 

My only recent activity is filing a dispute on XX/XX/2018 which is still open. 10 minutes after I submitted this dispute my credit score dropped 20 points. ( XX/XX/2018

), again with now new or even recent negative reportings or activity in my credit file.

I contacted a professional credit counselor as advised by Experians membership department and they further confirmed that there was no activity that would have caused this drop in my score.

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 2023-10-30
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
CASH APP is the problem and have been the problem for a while now. It has been 3.5 days since I've been able to access my funds on cash app. I believe they are being hacked. I have money in that cash app account that needs to be with drawn ASAP!!!! 
They don't have a number to call, I tried to log in on the computer but it keeps telling me to use the app. ( App hasn't worked for me in 3.5 days. I've logged out and logged back in, still same XXXX XXXX XXXX XXXX I NEED MY MONEY NOW!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit reporting 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:
JPMCB CARD Inquired on XX/XX/XXXX On record until XX/XX/XXXX. 

Did not try to open this card. Want to report fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-16
Company: Experian Information Solutions 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2022-08-10
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX Late Date XX/XX/21

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 2023-10-04
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My mother located a source for XXXX through a telegram correspondence. This was advertised from a website promoting XXXX XXXX material.Initially, she believed this to be truthful and legitimate, dude to its ties with the website claiming XXXX XXXX is currently our active United States president. I however do not share this perception about our current active President. I was suffering a severe case of parasites, which had traveled to my eyes and had developed into a severe health risk. On XX/XX/23, after a brief correspondence from someone claiming to be XXXX XXXX XXXX, ( Screenshots attached ) we were instructed to send {$150.00} through PayPal with the description of " family and friends ''. However the name that we were given, to send the money to, XXXX XXXX XXXX to this, they were very unprofessional, wrote with broken XXXX, and pushed for an illegal vaccine passport card for an additional fee of $ XXXX were told we would receive our order of XXXX the very next day. However we were approached by a ridiculous request to send another XXXX dollars for delivery. All of this naturally through XXXX. The additional request for {$100.00} simply had a white person 's hand holding a package with no address, when I had clearly given the address the day before at the time of the order. At that point we contacted PayPal and let them know of the scam quickly and without any additional questions from us they dismissed it and said there was no wrongdoing at all. PayPal seems to be complicit in fraud and obtaining finances through false pretenses. As the user XXXX XXXX XXXX is still active as of today XXXX was able to obtain Ivermectin through a regular website in conjunction to speaking to an actual person on the telephone and it was shipped within the United States. I have never seen anything legitimate, regarding any type of exchange of information or service, come from XXXX. XXXX XXXX eager to join them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit 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 ordered curtains from XXXX and returned them. To pay for the order I used the XXXX credit card ( issued by XXXX XXXX ). I asked XXXX to put the return credit on my XXXX card which they did on XX/XX/18. I got a statement from XXXX credit in mid to late XXXX, not only NOT showing the credit ( so the account would have been {$0.00} ) but they added a late charge and a finance charge. I called them & explained that the credit had been sent on XX/XX/XXXX. They said they had no record of any credit refund from XXXX. In order to not have any negative impact on my credit I paid the entire balance. 
I then had several back & forth emails with both XXXX and XXXX credit. On XX/XX/18, XXXX, a XXXX customer service rep called me and we called XXXX credit. The initial rep couldn't locate a credit so she sent the call to a manager. He could see that, in fact, XXXX had send the credit on XX/XX/18 but it was " pending ''. he couldn't explain why it was pending-he said it was a computer bug that the company was aware of, but they only know there is a problem when the customer tells them. He told us it would have to be investigated and fixed by the IT dept and it would take 21 days. I checked online this weekend ( 3 weeks later ) and saw a refund check has been sent out for the late fee & the finance charge, but my original credit ( and pymt ) of {$100.00} is nowhere to be found. I called in again. Same scenario-got XXXX, a customer service manager, who said it was still pending. He couldn't tell me when to check back or who to talk with-just that I could call " anytime '' or go online " anytime '' to see if the credit has hit my account. And initially, in both calls, the pending credit was difficult for them to locate ( and I was told, initially, that no credit had been issued ). We are going into week 7 since the credit was issued with no resolution, and no interest on the Comenity Bank side in resolving this in a expeditious manner. Unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-14
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: Account information incorrect

Complaint:
Dear XXXX, Equifax, & XXXX Im writing this letter in regards to XXXX XXXX XXXX on my credit report, 15 USC 1681i ( 5 ) specifically states ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

The reporting agency has reported inaccurate information on my credit report from XXXX XXXX XXXX which I will state below : - My full name is incorrect - My Date of Birth is incorrect - My current address is incorrect - My previous address is incorrect - My employers are incorrect - My also known as is incorrect - My former is incorrect - Account # is incorrect - Account type is incorrect - Bureau code is incorrect - Account status is incorrect - Monthly payment is incorrect - Date opened is incorrect - Balance is incorrect - No. of month terms is incorrect - High credit is incorrect - Credit limit is incorrect - Past due is incorrect - Last reported date is incorrect - Last payment date is incorrect - Last 2 years of payments are incorrect Sincerely, XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29
Company: AMERICAN EXPRESS COMPANY
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: Their investigation did not fix an error on your report

Complaint:
I have been damaged by Amex Credit because their random audit cut my account value to the point where I downgraded my card because it was not worth the annual fee anymore My credit score now is XXXX points lower on XXXX and XXXX points below than normal due to the Actions of Amex despite 19 years of experience and full service banking. 
I paid a debt that was not even actually due and have never been late yet all of my accounts were cut to the point that it is not worth using them just paying them off and reserving them for emergencies only rather than close them or just sue them for the damage they have done to me. 
I gave them supporting documents regarding how I make money and they refused to regard it. 
I am now submitting more paperwork than it took to secure the account in the first instance. My credit ranged from XXXX XXXX and I spoke with a supervisor there today who said that they would " do something '' to correct the damage to my credit. An hour later I received an email saying that my score dropped from ( XXXX ) XXXX, XXXX XXXX ) at XXXX... and I'm afraid to look at XXXX. 
I used Amex Bank and credit and they damaged my credit rating, no reason completely random with no forewarning. 
I am writing this complaint because I spoke to a supervisor who led me to believe that they would '' do something " to ensure my credit rating goes back to where it was but I don't believe this because an hour later I get a XXXX email saying there was a change to my score and XXXX XXXX notes a XXXX point drop. 
I am asking for rapid assistance as a means to avoid suing for the damages done to my credit rating to XXXX. 
Please help remedy this before I am forced to litigate or change my name to XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-23
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 fraud alerts or security freezes

Complaint:
I had a creditor reach out to me and let me know that they needed me to " Unlock Experian Credit Report '' and underwriting could not continue until this takes place. I had never heard of this before so I got on experian 's website. There I found some information about security freezes and to call if I had any questions. So I did. I went through their automated system multiple times to find out there is no way to ask a question you can only place a freeze or remove one. To remove on you need a PIN which I never got because I didn't place the freeze, if there is one. I also tried their online portal which got me the same result. So I tried finding other phone numbers to call. In all I called 7 different phone numbers that lead me to the same automated system that will not connect you to anyone for help and hangs up on you when it can't help you. This is unacceptable from a company that controls consumer credit information. I understand they get a lot of phone calls and everyone wants to talk to a person. However, there needs to be a way to actually talk to someone and get answers to why our credit reports have been locked!

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 2023-10-30
Company: Harris & Harris, Ltd.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They called my place of work and spoke with coworkers about my tax debt. They were told previously that I was handling the debt with the state directly and to stop calling. Discussing my tax debt with my subordinates is unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This supposed debt is owed to an outfit called MIDLAND FUNDING LLC. The amount of the debt is listed as {$2900.00}. 
This debt has been filed with XXXX and maybe other credit agencies. I have never had any dealings with this company. I am assuming that this belongs to someone else, perhaps with the same name. I have complained through XXXX XXXX and they refuse to release the debt. I don't owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-14
Company: EQUIFAX, INC.
State: SC
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 been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$470.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX  XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24
Company: Andreu, Palma & Andreu, PL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Andreu, Palma, Lavin, and Solis notified me by postal mail they were trying to collect a debt for XXXX XXXX  account ending XXXX owned by XXXX XXXX. I emailed on XX/XX/2023 disputing debt, and specifically asked for verification through USPS. Never received a response. I am now getting letters from lawyers with case number # XXXX. I stated I was disputing the debt until I received supporting documentation from the original creditor, which I have yet to receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My husband and I have a joint checking and savings account with PNC Bank. My name is also on my son 's account at the same bank. On XX/XX/XXXX the bank took all the money from my husband and my joint savings account to cover an overdraft in my son 's account. We had no warning this was going to happen, they just took it. When I discovered the situation we contacted the bank and were told they could take the money from our account just because my name was on both accounts. I am not allowed to remove my name from my son 's account either. He lives in California and we live in Maryland. I don't feel they should have been able to take the money from an account that had my husbands name on it as well and not connected to my sons, other than being at the same bank. The bank response was oh well. The amount was significant, {$800.00}. IT completely wiped out our savings account. Why would you continue to cover my sons overcharges, don't pay them!!! Taking the money from our joint account doesn't teach him anything, especially when we have no control over it!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXX XXXX XXXX XXXX and previous ftc violations

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 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My issue is with XXXX and Transunion. I am submitting XXXX letters that I forwarded to each of the agencies separately. These letters were forwarded by mail after XXXX calls made to each on the same days between XX/XX/2022 and XX/XX/2022. 
I verbally explained what is contained in the letters to XXXX different representatives and XXXX different supervisors from each company ( XXXX people total ) .I was told that an electronic dispute would have to be filed. I explained that the FCRA suggest a " Reasonable Method Of Verification '' and that eOscar was a computer algorithm that is subject to errors versus a human being making contact with said company or information being disputed. I suggested that is not reasonable. I did not accept that form of verification and ask for document6s bearing my signature. I also suggested to each representative and each supervisor from both agencies that their policies were inconsistent. I explained that before I began to address the account that was not mine and the XXXX late payments on a closed account that was inaccurate, I verbally disputed addresses on my reports and those addresses were removed with no question. I f that is the case should not all disputes be suggested to be investigated electronically?

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