BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-07
Company: Continental Credit Control
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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

Complaint:
Department of educationXXXX is showing everything as being paid good then out of no where they show one month with a green check then the very next month 90 days late. Then the next month is 120 days late. Then the third and final month is 150 days late. The math doesnt work. I am XXXX living on railroad retirement board XXXX. Im doing what I can but the dates showing late are the dates they said they were putting a freeze on student loans due to the COVID 19. On fico which is attached they show 120 day late then 120 days late tgen 159 days late. This math does not work

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 2021-08-24
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My business is buying and selling clothes online, all through Paypal. 

XX/XX/21 : I sold a hoodie for {$850.00} on the website XXXX. I have been buying and selling on XXXX for over a year and a half. XXXX is a very big company and works directly with PayPal. I have never had an issue from Paypal regarding any buying or selling on XXXX. 

XX/XX/21 : Paypal limits by business account and says they need for information to verify my business. I submit screen shots from my XXXX account of my purchases that were later sold on the same website. All buying and selling has been through XXXX and Paypal. I also submit my driver 's license and a description of my business. 

XX/XX/21 : Paypal says that after a review, they have decided to permanently limit my account. The {$850.00} in the payola account is now on hold for 180 days. 

XX/XX/21 : Around XXXX XXXX  noon, I talk to XXXX at Paypal. She is a manager and says that a human at PayPal looked at my information and permanently limited by access to my business account. I asked her to look into it and she says that they will but they can't tell me why it was limited. She says it'll take 24-48 hours to get an email. 

XX/XX/21 : I have not received any reply back from Paypal, the {$850.00} that was going to be used for rent is now stuck for 180 days, and nobody will contact me. The hoodie has been delivered to the buyer.

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

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: JPMORGAN CHASE & CO.
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XXXX the XXXX of 2020, we called the phone line for Chase Auto Finance to make our first payment on our auto loan. We provided the account and routing numbers for the bank account we were using to pay the bill to the agent over the phone. We later received a statement that reflected our timely payment, but the funds never left the account. We left the requisite funds in the account believing that some bureaucratic lethargy was occurring. 

We were later contacted by Chase Auto Finance by phone declaring that our payment was late and it was due immediately in addition to a late fee. On XXXX the XXXX, we used the debit card to that very same account to pay the bill and the funds were taken. We took the appropriate steps at the onset and were hit with a late fee as well as a late payment report on our credit reports. 

This happened a second time on XXXX the XXXX when we processed another payment by phone with the same account and routing numbers to the same account. Days later, on XXXX the XXXX, we used the debit card successfully once again yet still received another late fee and late payment report on our credit report. 

We reached out to both Chase Auto Finance and our banking institution to make a concentrated effort to figure out just what was going on. While Chase reported the funds returned, our bank reported the transaction never even occurred. We then attempted to resolve the issue with Chase by phone and got nowhere. 

On XXXX the XXXX, we wrote a letter to the XXXX of Chase Auto Finance by way of Certified Mail requesting a resolution complete with our compiled evidence supporting our claim. We received the Certified Mail receipt approximately a week later but have heard nothing in return from Chase Auto Finance, their XXXX, or their XXXX Resolutions Department since more than thirty days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: LDF Holdings, LLC
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I received an email from XXXX this morning XX/XX/21 stating I have a payment due in two days. However, I have not authorized nor have I applied for a loan with them. Nor have I received funds from them. 

I asked them to send me the load documents to verify its accuracy ; first rep told me to login to the account on the XXXX site to look at my documents as they do not email them. I can't login to an account that I have never created. They advised me to log a police report and send it to them to have the account closed. 

I contact a second rep, was advised they put in a request to have the documents emailed to me and could do nothing else. 

I called a third rep at XXXX, I asked him to verify when the loan was originated, for how much and with what bank? He stated it was created on XX/XX/21 for {$1300.00} with XXXX XXXX ending in XXXX. I have never banked with XXXX and have no accounts with them. Not my loan but whoever created it used my name, SS # and birthdate with their own bank. 

I have placed a fraud alert on my credit reporting agencies and in process of calling my bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Hunt & Henriques
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
XXXX XXXX is a partner with Hunt & Henriques that does business with XXXX, and as such he is in debt to me due to fraud associated with XXXX. I would like to know : 1. How many bitcoin does XXXX hold? 2. How much money has XXXX Received from Hunt & Henriques and how much has Hunt & Henriques received from XXXX since 2019. 3. Does XXXX have a mortgage or any lines of credit with XXXX? 4. What is XXXX XXXX liquid net worth? 5. Does XXXX intent to repay creditors of XXXX who's property he is in possession of? 6. Does XXXX own any real estate or businesses? 7. What is XXXX XXXX home address? 8. Does XXXX live with anyone who also benefited from the fraud? I am asking these questions for the purpose of recovering my stolen funds. I will be filing a lawsuit against XXXX to claw back funds once the bankruptcy ( XXXX ) is dismissed as fraudulent and I am free to do so. I would not normally harass a debtor while there is an ongoing bankruptcy, but according to XXXX, this is within my first amendment rights as a creditor. I will not be forgiving XXXX XXXX debt and I will claw back every single cent. It is not my fault XXXX decided to work for a firm that paid him with rehypothecated debt that was fraudulently acquired. His property belongs to me, and I will be claiming it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I spoke to a rep by the name of XXXX two weeks ago to get my account situated as far as not receiving statements at my house the representative informed me that they weighed my late fees brought my account to a current status with a payment not due until XX/XX/XXXX at this time the rep XXXX inform me that my account was current no payments were due and my next payment was due for {$40.00} in XX/XX/XXXX I just received alert on my credit report showing me 30 days late and saying I have a balance due of {$260.00} the information is incorrect

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX, XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/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  XX/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 2023-04-17
Company: Experian Information Solutions Inc.
State: FL
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:
a fraud was in process on my XXXX XXXX credit card. I contacted XXXX XXXX while the fraud was in process. The representative told me our conversation was being recorded and that the fraud was in a " pending '' status and that I was completely covered under the conditions of my agreement with XXXX XXXX. Weeks later XXXX XXXX started trying to collect the fraud amount ( {$400.00} ) and since they have added interest. They have ignored there recored statements to me. This all occured in XXXX XXXX. I filed a FTC complaint on XX/XX/XXXX ( FTC report # XXXX ) and reported this issue again to the FTC on XX/XX/XXXX ( FTC report # XXXX ). Sometime ago XXXX XXXX stopped contacting me and turned the issue over to some collection agency. This agency has continued to harass me with phone calls and recently caused me considerable problems. Apparently, Experion credit reporting has reported this as " code XXXX account with a reported delinquency status including bad debt ), to my homeowners insurance company. This incorrect information was sent to XXXX consumer service center of XXXX, Ga. ( XXXX referecnce # XXXX ) and sent to XXXX XXXX company. XXXX is incorporating this incorrect information into the calculation for the charge for my insurance. 
These organizations are all complicit in to incorrect reporting and are costing me money. I have done all i know of to do to resolve this issue to no avail. I need your immediate attention.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$11000.00}, {$15000.00}, {$26000.00}, {$6100.00}, {$6200.00}, {$6400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXX XXXX and the subsequent response received on XXXX XXXX XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- INSTALLMENT LOANS 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$26000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 


-- COLLECTION ACCOUNTS 7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 

8. XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$6400.00} -This is not my 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 explanation
Consumer complaint received 2020-12-21
Company: Experian Information Solutions Inc.
State: AL
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 previously disputed some items on my credit report. Experian has come back and said they were " Verified as accurate and belonging to me. '' I have continuously told them this is not true. One of these items is a collection for XXXX. Again, they verified this as mine and accurate according to Experian. However, I have received a letter from XXXX XXXX XXXX who i contacted because they show the collection company on my report for XXXX. They responded to me with a letter stating they can not located anything for me. I have attached that letter and the items I have been disputing. It is clear Experian has been lying and they clearly did not verify this as mine since the collection company themselves have stated they have nothing on file for me. This also tells me they have lied about verifying any of the other items as mine.

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 2021-06-11
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:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing in regards multiple violations that Bank of America has committed against myself. This company is reporting a late payment on my credit report from for XX/XX/2019 on my account # XXXX that occurred due to my email being hacked. ( See Attached proof ). Please see explanation on what happened below : In XX/XX/2019 my XXXX email ( XXXX ). where I get my statements from Bank of America was hacked. Due to this, Bank of America did not get to me at the time and I was not even aware my account was carrying a balance and had a payment due. 

Months later after dealing with XXXX, when I was able to access my email, I found that there were emails from Bank of America and I was late on the mentioned account. I immediately made the payment on but by that time I was already marked late. 
Again, this was a situation that I could not control. I had over {$50000.00} in the bank, which was more than enough to make the payment. This was not a money issue or even worse, because I did not want to pay. Now I have a perfect record of on-time payments. 

I am demanding Bank of America to remove the late payment from my record. This is an account of {$13000.00} and I also have another card of more than {$13000.00} with Bank of America. 

That been explained, I wan to make sure Bank of America is aware that I am willing to take this to the next level. This is affecting me in a huge way. My levels of stress are really high. I've been really affeected because of this issue! 

Bank of America has also committed multiple violations under the FCRA : They hhave not investigated the account or even mark the account as disputed. If Bank of America denies my request, I am willing to take this to a court so a judge decides what is fair. 

Thank you for your consideration. 

XXXX XXXX See attached : - Proof of email hacked - FTC Report - XXXX Bank statement showing funds

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 2023-02-22
Company: Experian Information Solutions Inc.
State: MI
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. 

XXXXXXXX XXXX XXXX : ACCT # XXXX 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 2023-07-14
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I identified in XX/XX/XXXX that a criminal had opened a credit card in my name fraudulently at TDRCS/XXXX known as TD Retail Card Services- XXXX XXXX XXXX under account number XXXX. This card was opened in XXXX of XXXX. I contacted TD Retail Card Services at XXXX multiple times and still have not received an affidavit for closing this account. 
I called and the TD Retail Card services customer service and requested an affidavit in XX/XX/XXXX, and they said they would send out an affidavit and it would be 7-10 business days. I waited 1 month, never received the affidavit, and called in XX/XX/XXXX asking for another affidavit. They said they would send another affidavit and I confirmed my mailing address. I waited another month and never received an affidavit. I called TD Retail Card Services again the first week of XX/XX/XXXX, and they said they would email me the affidavit in 24-48 hours. I waited 1 week and did not receive the affidavit. I called again today XX/XX/XXXX and asked where was my affidavit. They said they never emailed it to me and that they would mail me the affidavit again. 

They have been sending me mail that I have been receiving that is from their Department of Accounts saying that the credit card in question has past due payments required. So I am receiving mail from them. I believe this organization is maliciously refusing to send me my affidavit so that they have less fraudulent accounts on their credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-07
Company: PNC Bank N.A.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
My problem isnt with these companies, but with my bank. I have used these apps for more than a year, maybe two. Now all of a sudden my bank will not let me connect and link my account. I don't know what the issue is, or what my bank changed. I'm not sure if you can even help me, but your site was given as an option with these apps to help. I thank you for your time.

Company response to consumer: Closed with explanation