BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-16
Company: Experian Information Solutions Inc.
State: AR
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 have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2023-02-10
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX  Account number : XXXX Account name XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 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.

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 2022-04-19
Company: AMERICAN EXPRESS COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
I, XXXX XXXX, consumer in fact, recently checked my credit report and I saw an unauthorized inquiry from AMEX on XX/XX/2022. I did not authorize nor give any written consent to this inquiry on my credit file. This is identity theft from American Express and I have been injured.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct xxxx XXXX XXXX XXXX acct XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 then records of conviction of crimes which antedates the reports by more then 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.

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 1692c Communication in connection with debt collection 15 U.S.C Acquisition of location information 15 U.S.C 1692b ( 5 ) 15 U.S.C 1692d Harassment or abuse

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 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Transunion on XX/XX/2022, but I never received a response. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I need the following Items removed now! 

XXXX XXXX XXXX XXXXXXXX, 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 2023-03-22
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I scheduled a credit card payment with my current bank ( XXXX XXXX  XXXX ). The credit was redirected to a closed account at Us Bank. This happened XX/XX/2023. Since I have contacted and spent several hours on the phone with US Bank trying to get the issue resolved. They issued a refund check but didnt verify my current address and sent the check to the wrong address this was back in early XXXX. Since then I keep getting told that a new checked has been approved to be issued. They still have not issued the check to the correct address and no one at US bank can give me anymore information. Also they have made zero effort to stay in communication with me or even get this situation resolved in a timely manner. Their supervisors have taken down my contact information but have not contacted me once. After speaking with them today XX/XX/2023 they havent even saved my contact information. The amount owed is {$2200.00}

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 2023-02-13
Company: EQUIFAX, INC.
State: CA
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 have been trying to lift a security freeze on my credit report ( that I placed back in 2017 after an information leak that occurred at Equifax ) because a bank needs to access my credit report. 

I have tried every possible method for removing the freeze ( via their website, multiple phone calls, US mail, fax ) and they still haven't solved the issue, which has prevented me from accessing credit at banks that query Equifax reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
PAYPAL - Have used PayPay for 8 years without a problem. We charge customer 's credit card to pay for orders and some of them are large amounts. One of our customer 's filed a complaint with her personal credit card company that someone had misused her card ( not us ) and it was a card we had charged on PayPal to pay for goods. Her credit card company stopped ALL payments to investigate and the money we charged on PayPal was debited to our account leaving our PayPal account $ XXXX. I told PayPal they could debit MY company 's bank account for the {$15000.00} but XXXX said no they couldn't do it because they had put a hold on our funds in XXXX  and our account was only- {$6000.00}. AGAIN I offered to pay XXXX the full {$15000.00} but no they wanted to debit our bank account for {$6000.00} and they did so but still put a hold on all money we have charged. I ALSO paid {$9000.00} ( total of {$15000.00} ) so that we would have full use of our XXXX account. They STILL are holding our money ( about {$30000.00} ) and say that now we are over our " limit of charges '' this month. Now mind you we are paying fees with EVERY charge AND they are getting interest on OUR money AND we have paid the {$15000.00} but still don't have use of our money. All charges are put on HOLD. Called again and was told that XXXX could up our " monthly limit '' charge because we had reached our {$59000.00} limit this month. These are the charges we have had XX/XX/2022 {$81000.00}, XX/XX/2022 {$90000.00} XX/XX/2022 {$85000.00}. Clearly there is not a limit on our account. We still don't have use of our money. Is XXXX going bankrupt so will be keeping our funds?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Paid for course from XXXX XXXX XXXX through Paypal and received incomplete service from seller and tried to dispute with Paypal and was denied and contacted XXXX XXXX for refund and was left with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
At first i was approved only {$510.00} and was received thru direct deposit on XX/XX/XXXX on my bank account plus i've chosen to make the payments in auto pay I've proof that the company speedy cash have taken two payments of {$140.00} on two occassions at XX/XX/XXXX and at XX/XX/XXXX but what i saw was that my loan wasn't decreasing and lastly i was running out of money on my bank account and they couldn't take nothing which the bank charged me like 4 times {$34.00} and another $ {$34.00} because that company was charging the bank and i had to paid it and now i want to dispute on the letter that i have of you charging me {$820.00} like why is it alott i didn't even asked for that much i still have proof that at the end i was just owning {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Jon Barry and Associates, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello. I noticed a company on my credit where I did not sign or give any of my personal information. It is for {$1000.00}. I disputed this account # XXXX in XXXX and XXXX of 2021 with the credit bureaus to have it removed. In XXXX, I wrote directly to Paragon Revenue Group, who then violated my HIPAA rights by sending a detailed medical bill from a hospital listing medical services and medication along with personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: IN
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 am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX for the inaccurate account information for XXXX XXXX XXXX XXXX showing on the credit file with Experian. In order to facilitate efficient proceedings and ensure all relevant information is accounted within the credit report for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transactions specifics. Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgements, and settlements. Pertinent correspondence, communications, or notices related to the chose in action. Any other documents or records that provide insights into the nature, ownership, or status of the chose in action.

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 2023-05-15
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$4900.00} XXXX XXXX XXXXXXXX Balance : {$6200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 2022-04-19
Company: PNC Bank N.A.
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 status incorrect

Complaint:
To whom it may concern : I sold my home on XX/XX/XXXX. XXXX  the lender was paid off in the month of XX/XX/2022. 
PNC the lender reported me to all 3 credit reporting agencies as 30 late for the month of XX/XX/2022 which affected my credit and my chances of qualying to buy a new home, as my creedit score dropped by over XXXX points, and I can't qualify for a loan due to the 30 day late on my credit report. 
Please help get t his resolved as the client services at PNC are not willing to resolve this issue, i called them on XX/XX/XXXX & XXXX XXXX  and both client service agents where rude and did not help me at all. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Better Mortgage, Inc.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Delays in the application process

Complaint:
I applied for a mortgage with Better Mortgage. I work overseas for a large amount of the year ( XXXX XXXX XXXX XXXX XXXX  ). I was very upfront with the loan officer that this was the case. 4 days before the anticipated closing date the mortgage officer decided that my income was foreign and therefore inadmissible for a loan. I have had foreign income disclosed on XXXX of my XXXX last tax returns and was assured multiple times this would not be an issue. I was told I needed a co-signer on my mortgage. My father in law cosigned on my mortgage for me. 

During the same time Better Mortgage contacted my employer multiple times trying to verify my inadmissible income. If the income doesn't qualify why are you contacting my employer? 

After my father in law cosigned for me, my previously acceptable appraisal was sent for a field review, as the loan officer " thought the house was overvalued ''. I was not given a timeline for how long this would take. In XXXX XXXX there is a 5 day grace period to close on a mortgage and that we were supposed to close that day, when I brought this up the Better loan officer said that was my problem not hers. 

When I asked if it was possible to expedite the appraisal I did not get an answer. 

I initially though that Better mortgage was incompetent but this point I am starting to believe that Better mortgage is deliberately trying to delay this mortgage so that I can not close on this house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have problems making payments with Department stores XXXX XXXX becouse the covid 19 pandemic also I been trayig to negotiate to make payments with them and maybe they can anderstand I loss my job for the covid 19 Pandemic but the company didn't want negotiate so they send my to collection with portfolio Recovery company and this affect m credit score very badly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Experian Information Solutions 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:
This is my second 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 me or any transactions I've done or authorized to gain products, services, or money. 

Please remove the following : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXXXXXX XXXX Balance : {$770.00} XXXX  XX/XX/2021 XXXX XX/XX/2021

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 2023-07-29
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I provided the credit reporting agencies XXXX and Experian that the account XXXX XXXX : # XXXX is inaccurately reporting on my credit report. I even provided the documents which they state they are able to see. Per my original contract ( which was provided to the credit agencies, and collection agencies ) with XXXX XXXX XXXX 's original documents the date that the account was open and the amount are incorrectly reporting on my credit. It is against Federal Law to fraudulently report information that is knowingly inaccurate on a person 's credit report. 
I was told that the collection agencies do not have to provide proof that the accounts that they are reporting is correct. Even after I provided my original documents to the credit reporting agencies they refused to delete the inaccurate account from my credit report. I asked why this was and was told that they are taking the collection agencies word over my provided fact checking documents, and that the only thing they could do was file another dispute. I have filed several disputes and nothing is being done to remove this fraudulent account from my credit report. 

The original contract I had with XXXX XXXX was voided because they never pulled money from my bank account, per the contract the money was to be directly paid each month. When I tried to contact them on numerous occasions about the account number that the employee wrote down, to inform them that it was not my account number and the money was never being pulled they would not update the information. XXXX XXXX kept giving me the run around and no one was willing to update my account with my account number. I never received the services because they never pulled the money from my account to pay for the services.

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 2022-01-13
Company: EQUIFAX, INC.
State: VA
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation