BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-09
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX - account # XXXX, I was reported for being late in XX/XX/2019 and XX/XX/2019. The information is not accurate. I was not late. This was an error from the bank. The Error was corrected. The account was paid. The status on my credit report for XXXX, Equifax, and XXXX is showing a late payment and reported as delinquent. I reached out to the company to please correct the late status to read paid in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: SYNCHRONY FINANCIAL
State: DE
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:
I have a Paypal credit account that offer promotional deferred interests. Cardholders have the latitude to pay on or before the account in full before the due date or until the promotion expires. I made a payment of {$2000.00} noticing that I have a few promotions which will expire. I contacted Paypal and I was given misleading information, stating that I need to call them manually. This is not right that if I made a payment which goes to the balance and satisfies most of the promotions, why is not applied to those purchases? 
I find this to be misleading and a practice of scamming individuals who pay their bills on time. I need Paypal Credit to do the right thing and apply my payments to satisfy these promotions so I am not held responsible for these interests and calling should not be the way to do so if a customer decides to make the payments via balance transfer or otherwise.

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 2023-08-04
Company: Experian Information Solutions Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please rectify this error promptly and ensure that my account reflects the fact that I have always been punctual with my payments.

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 2023-08-04
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:
In accordance wit The Fair Credit Reporting act. The LISt oT accounts below nas violated my Tederally protected consumer XXXX XXXX privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX account, has violated my rights. 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The following inquiries were opened under my social security number fraudulently. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-08-04
Company: Experian Information Solutions Inc.
State: VA
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 account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate 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 2023-04-29
Company: Advance America, Cash Advance Centers, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I filed for bankruptcy. I called the company on my date and gave the information of my attorney and case number. That was Wednesday XX/XX/23. They took the information. My loan was due on XX/XX/23. My loan amount due was XXXX. On XX/XX/23 I checked my banking account and they did a withdrawal for XXXX. I called again and ask why the charges they said they did not. I gave my attorney and case information again and they stated that they they already had the information. They took more than what they were supposed to. I would like my money back and they go through my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TRUIST FINANCIAL CORPORATION
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
TRUIST BANK XXXX XXXX XXXX XXXX, VA XXXX XXXX Charge us with a {$15.00} fee for a wire transfer to return funds to us.They took over 14 days to return our funds so they chose to wire the funds back to our account. They never told us there was a charge. They said they did not know of the fee. Truist charge our bank with the fee hence our bank charge us. 



Truist bank is the most unefficient bank I have ever dealt with in every aspect.

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 2017-05-19
Company: Arbor Professional Solutions, Inc.
State: TN
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:
Today I noticed that this company has reported that I owe them a debt. To my knowledge I have never done business with this company nor have they provided me with goods not services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: U.S. BANCORP
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:
FRCA Violation credit card XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation names and address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA 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 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX XXXX / {$0.00} / XX/XX/2020

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 2022-09-13
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2023-04-29
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Midland Funding LLC is out of XXXXompliance. According to 15 U.S.C. 1681e. This collection agency has not provided documentation as to how my information was obtain. 

The account number is XXXX XXXX XXXX XXXX XXXX  XXXX. Midland Funding LLC does not have a license to place collections in the State of Georgia, according to XXXX XXXX XXXX. Please delete this collection from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
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:
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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$13000.00}

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 2023-08-04
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference,

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 2018-11-02
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
XX/XX/XXXX - Requested PayPal to transfer my {$490.00} balance to my XXXX XXXX XXXX ( XXXX ) Checking Account. 
XX/XX/XXXX - After a week I noticed the funds weren't available in my XXXX account. Usually they arrive after 3-business days. I contact PayPal support online. 
XX/XX/XXXX - PayPal responds that my bank should have posted it by XX/XX/XXXX and asked me to wait for XX/XX/XXXX and if its not available they will initiate a withdrawal trace. I also email my banker at XXXX to have him look into things on their end. 
XX/XX/XXXX - XXXX  ACH Manager confirms they show no signs of this transfer and request that I get an ACH tracer number from PayPal. I email back to PayPal and let them know it hasn't appeared in my checking and ask for the ACH tracer number. 
XX/XX/XXXX - PayPal replies with a 9-digit tracer number to provider to XXXX. I provide this to XXXX  who can not track with the 9-digit number and say that tracing numbers are typically 15-digits long. I call PayPal and after an hour on the phone they tell me the 9-digit number is a case number and the tracking will be emailed to me as it will take them 48-hours to obtain. 
XX/XX/XXXX - I reach out to PayPal again to follow up on the 15-digit number. 
XX/XX/XXXX - PayPal responds and asks for another 72-hours to get the 15-digit tracer number. 
XX/XX/XXXX - PayPal responds that they shows XXXX accepted the ACH transfer that was made but provide no tracer number. I reply again that I'm pending a 15-digit tracer number from them. 
XX/XX/XXXX - PayPal again replies with the same 9-digit tracer number. I call and spend 90-minutes on the phone with them and finally escalate to a Manager who tells me that they had a global system issue from XXXX where several ACH transfers failed and that I must've been affected by this. He tells me that the funds will be in my XXXX XXXX  automatically on XXXX. He offers in the meantime a {$490.00} credit which I could then transfer to my XXXX account in the meantime and I decline because that temporary credit would be withdrawn from my account on XXXX and I didn't trust them to have this fix. I was smart to do this. 
XX/XX/XXXX - Funds still not showing up in my XXXX  account. I spend another 90-minutes on the phone with 4 different people from PayPal ( manager level highest level of customer service reached ). I'm offered an employee ID and told all calls are recorded but no issue or tracking number for this " global issue ''. I'm told that I need to be patient and just wait. I'm told they have no ETA on when this will be fixed or when I'll see the funds but they ask for my patience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: REGIONS FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
What is the specific law or guideline identifying the maximum late fee penalty that a company can charge? 

I ready some items about reasonable costs to the lender but how do you identify reasonable costs. This seems to be so vague and so hard to prove. Credit card companies would seem to have some restrictions on how much can be charged for late fees. Don't they? 

There should be a limit on how the late fees are calculated. I spoke with a representative today XXXX at XXXX and they advised that they charge the late fee based on what is past due plus all other future transactions that are not yet due. This does not sound correct. How can you charge a late fee on future transactions that are not yet due. Late fees should only be associated with the past due balances.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-12
Company: PHH Mortgage Services Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Yes I pod my house in full via wire transfer from XXXX XXXX. XX/XX/XXXX I kindly requested a letter showing I paid off my mortgage. Instead they are sending me to collections and not taking my online account and zero it out. I did get a fax with the payoff ran to the bank made sure wire transfer was done. Keep getting XXXX call center then transfer after average of 1 hour. I need letter for my realtor and my insurance company and they need to update as promised all my credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I had perfect credit with only on account with a 30 day late ever and I went to check my score with Experian and I think my vindictive ex-wife XXXX that I had removed from my report, reported me as deceased because I had her removed as my wife from my report. I looked into it and in order to legally inform creditors of a person being deceased they must send in a certified copy of my death certificate and since I am alive that would be impossible. I am requesting that it be immediately corrected by my creditors or I will sue under the fair credit reporting act. I understand that evil people can do these things but the safeguards of the Act must be complied with to protect consumers so they are not burdened by these measures. Since of course a creditor would not do this deliberately without an adversarial person making the illegal disclosure, I am willing to waive my claim against them as long as my credit score is returned to where it was before the false reporting of my death. 

/s/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 2021-03-27
Company: HW Holding, Inc
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I applied for an apartment with XXXX XXXX XXXX in XXXX, NE and i got denied, so someone called XXXX XXXX who is a former resident at this time period offered me take over her lease which I agreed as I just moved to Nebraska and I needed a place to live in. When I talked with the property manager she said it should be fine and we shall take over the lease but there will not be any renewal. I agreed and moved my furniture also took over the utilities but after a month the property manager asked me to evict the apartment as there is no sublease, I offered them to pay the remaining balance in advance till the lease is over and I will move out as they already took two payments from me, but they took me to the court me and XXXX after a week the property manager was granted an eviction and got me locked out with a Sheriff order. I arranged to take my belongings out of the apartment to another place who approved me. The court has a judgment against XXXX for the remaining balance of her lease. Now I found the collection agency calling me for XXXX 's debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2023, I sent 609 letters to Experian, XXXX, and XXXX requesting proof of debt for the listed accounts below. I have not received any response from any of the 3 reporting agencies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting that these items be removed from my credit report/profile as it is inaccurate.

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 2017-04-05
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax re-inserted false, previously deleted information to my credit report. 
XXXX is reporting false information that we previously deleted due to false and incorrect information. Equifax altogether failed to notify me in writing within 5 days or reinserting and re-again false information to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Car was repossessed and sold for parts. Account is closed as repossession for XXXX since repossession balance has been reporting an increased balance. XXXX has removed the account. I have documents to show deficiency balance. I have tried to validate the debt several times and no response.

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