BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-27
Company: Experian Information Solutions Inc.
State: IA
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 reached out to XXXX XXXX XXXX about a collection they put on my report via certified mail on XX/XX/2022. I sent a verification/dispute letter. I have yet to receive any response from XXXX XXXX XXXX  to this date. I also sent a copy of the original verification/dispute letter to XXXX via certified mail on XX/XX/2022 with a copy of the original certified mail receipt. They continue to report these inaccuracies on my credit profile. Also Im still yet to receive a response from the creditor in any form. Please assist me with getting this account removed/deleted. I feel this is an illegal practice on there end and they are violating federal and state law. Per Iowa law the creditor has a 30 day window to respond to my dispute. They have failed to do so in 2 separate dispute encounters which resulted in the removal of the account. This account out of the statute of limitations for reporting, I recently checked my profile and they have added the account back to my credit file for a second time.

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 2023-08-22
Company: Paypal Holdings, Inc
State: MN
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:
I had paid off and closed my Pay Pal account XX/XX/XXXX. In XXXX then I saw my good credit score go down XXXX points, due to Pay Pal saying I didnt pay my account for 60 days, I then contacted the company complaining that I closed my account in XXXX. The man then said he closed my account with a XXXX balance, I also complained that your company had told XXXX I didnt pay this closed account and took XXXX points that I worked hard to get and please contact XXXX to reverse this that I didnt owe {$18.00}. He said he would. I want that XXXX points given back to me since I pay all my credit on time including my Mortgage & HOA solely with my XXXX XXXX check. That {$18.00} that Pay Pal said I owed was fraud and if I hadnt taken care of this then it would have gone so high with late fees. Total Scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report. And its been well over 30 days and I have 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 explanation
Consumer complaint received 2020-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report. And its been well over 30 days and I have 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 explanation
Consumer complaint received 2023-10-04
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
On XX/XX/ I received an email from Wells Fargo welcoming me ( with my maiden name which hadn't been used in 7 years ) to online banking. I then received multiple emails telling me how to make payments, how to fund the account, that the account had dropped to zero. When I called customer service- one they did not believe me that I did not make an account. But then I had to fight to prove to them I never made the account. On XX/XX/ I received an email reading " URGENT : ADD MONEY TO YOUR NEW ACCOUNT '' After receiving an email about them closing the account. On XXXX I was sent an email about 'discovering the online banking world : On XXXX  I received another email about getting a one time offer, and on XXXX  I got a solicitation email. I never got a final email stating they had closed the account ( only that it was " Expected to close ''. I have since had to put a freeze on my credit because of Wells Fargo poor practices. I have a right to know if someone was in person and created the account, online, I have a right to know what " MY '' signature looked like. I have a right to understand how exactly they got MY information. Its also odd that they had MY email, a correct email, and used that to set up the account. Knowing I would get the information. I believe Wells may have bought information to make accounts to show deposit growth. 

XXXX XXXX XXXX XXXX The information they had included My CHILDHOOD HOME ADDRESS ( Hadn't lived there in over 7 years ) Maiden Name My personal email address

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 2022-12-20
Company: U.S. BANCORP
State: OH
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:
Received credit card statement dated XX/XX/22 showing a charge of {$260.00} that I did not recognize. 
I contacted Fidelity Rewards Credit Card on XX/XX/22 about the charge and told them I did charge a sandwich at food truck on that date and cost was {$15.00}. 
The Fidelity representative stated that this was a likely a fraudulent charge and provided a provisional credit of {$260.00} and said they would research. They also canceled card and provided new card number. On XX/XX/22 Fidelity reversed the provisional credit and provided a receipt from a XXXX XXXX XXXX XXXX XXXX in XXXX Ohio XXXX see attached ) showing a 'custom amount ' {$15.00} charge plus another {$250.00} XXXXcustom amount '. I have never been to XXXX XXXX XXXX XXXX and again contested the charge to Fidelity. 
During the week of XX/XX/22, after multiple attempts, I was able to contact the owner of the XXXX XXXX who said he also owned a food truck. I described the problem and he agreed I should not be charged the additional {$250.00}. He requested I contact the credit card company and have them review it again. 
At this point, I again contacted Fidelity, but the dispute department at Fidelity stated that the decision on the matter was final and they refused to further review. 
I have been fraudulently charged {$250.00}. I feel I should be protected by the laws regarding credit card transactions. I have been charged an amount for something I did not purchase and Fidelity is refusing to correct the issue or work with us in an attempt to resolve.

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 2021-11-09
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Account has been overdrafted due to forgery. Someone wrote two checks in my name, most likely forging it. Trying to have this solved with the bank as we speak. My account still looks as if overdrafted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: JPMORGAN CHASE & CO.
State: NY
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:
Inquiries were not removed as requested and the company which pulled these inquiries can not verify or validate the inquiries as valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
Company: Experian Information Solutions Inc.
State: MS
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:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 

I've already disputed this item with each bureaus, but they did not remove it, nor prove validation.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-08-15
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:
have told this company repeatedly that there have been fraud on my accounts and that they are not mine and I ask them to verify information showing my signature and they have yet to do that.I have told them about police report and trade fraud report as well, I would like these deleted off my profile with any other negative remarks, have also received information from company 's such as Equifax and XXXX about data breaches 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-04-20
Company: EQUIFAX, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-08-15
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX XXXX XXXX, MO XXXX In accordance with the fair credit Reporting act XXXX  Accounts # XXXX & # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.

Also I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) XXXX XXXX XXXX, XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: EQUIFAX, 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I contacted Navient thru a complaint with XXXX, my complaint stated that they had reported my student loan as in default for 90 days, when in XXXX I was contacted by a representative from Navient that offered me a forebearance and I excepted and they pulled my credit and I noticed it was approved because the interest increased on the loans, however 3 months after this is when I noticed the 90 days past due notice on my credit report and I contacted the XXXX  and complained, fast forward I spoke with XXXX XXXX Office of the Customer Advocate for Navient and she explained that my loans were not covered by the memo dtd. XX/XX/2020 from the Office of the President that stated loans would not be considered deliquent during this time til XX/XX/2020. After my complaint Navient placed my loans back current, however no sooner than the did this another month popped up delinquent effective XX/XX/2020. I was told by XXXX that she had placed the past due loan in forebearance but it would only last a month and to call if I needed it placed for the next month I told her I'd done that in XXXX, why do I need to call you every month to place a student loan in forebearance? I told her that none of my loans were in a pay status and that no loans were to become past due in accordance with the memo dtd. XX/XX/2020. Navient has unfair practices because she told me to call when the month was out and I did that and the representative, named XXXX that spoke with me was rude and stated I could not qualify for a forbearance and when I asked him why, and informed him that I'd spoken with XXXX and she said that I could call back and place the loan in forbearance, he immediately became aggressive and offended that I'd questioned him and hung up on me. Navient does not assist the student in anyway, their collection practices are sketchy at best.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: Central Portfolio Control Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a call today from a male trying to verify my information. When I asked where he was calling from, he refused to tell me unless I confirmed my address. I asked him again where he was calling from but wouldnt tell me claiming he was trying to tell me if I confirmed my address. He refused to tell me so I demanded that he cease and desist immediately. However, he kept pressing for my information and I hung up on him. I called the number back and another gentleman answered the phone and didnt disclose any recording like the first guy did and he did not announce the name of the company. So I asked him what the name of the company is and he told me this company. Then the guy stated someone already removed your number, I dont know why you called back. Seriously?! I then advised him that the reason I called Back was because the last guy refused to give me the name of the company. I was hoping to get someone who actually liked their job but by the way my interaction went with the two males, its evident that they both hate their job or they are being trained to refuse any information being trained to violate their consumers rights. Which leads me to believe that this company is a scam. 

I dont know why this company is calling me. All the scams out and I would think that any legitimate company would have to advise where they are calling from, especially if youre calling someone and asking for them to confirm their personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX XXXX XXXX  after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this 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 2019-09-04
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I had a credit card with XXXX XXXX. I paid the card off in XXXX. In XXXX of XXXX I tried to prequalify for a home mortgage and was told that I couldn't, primarily because that card was showing as unpaid and over limit. I placed numerous phone calls to the creditor, and had my bank officer contact them on my behalf. Despite numerous messages on a recording that promised to return my call within 24 business hours, I have never yet been contacted or spoken to any one. It is now XXXX. Given these difficulties, I disputed the account with the credit reporting agencies, who have reported that the account is verified, and it continues to trash my credit 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 2023-08-22
Company: Lyons, Doughty & Veldhuis, PC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Creditor filed for garnishment on XX/XX/23, per court records, without sending me a required 15 day notice to pay to avoid garnishment. This is not legal. 

I only found out about the garnishment because I checked court records.

Company response to consumer: Closed with explanation