BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: GA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1800.00} ; XXXX XX/XX/2023.

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 2021-04-19
Company: Professional Finance Company, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I disputed a medical bill that was in my credit report. I got served with papers about being sued for 2 medical bills. One was for my daughter who was XXXX at the time and the other was for my daughter who was covered by a form of XXXX called XXXX plus. I called the collection agency called professional finance and explained the situation. They said just get a letter from XXXX XXXX XXXX plans and send it in showing she was covered and i was told I would not have to provide an answer through the court. I requested the letter end of XXXX and It took a couple of weeks to come in. I emailed it on XX/XX/XXXX then I called them. They said they received it and would get back to me. I didnt hear anything back so I called back several times and left voicemails. I then received a letter in the mail about court being in XXXX I called them again and was finally able to get through they stated they received the proper paperwork and they dismissed my daughters medical charges who was no longer a XXXX and they were still working on the other one even though it had been 3 weeks since I sent in the proof. About a week later I noticed it was off my credit report so I thought it was taken care of. Then XX/XX/XXXX i got a deferred judgment letter saying they were granted the judgement. I called again and was told I owed {$350.00} ish dollars that included {$160.00} in court fees. I explained the situation then was told she would email the head of legal department and that I should be good. I called again the next day and was told still no response call back on Monday. This is very frustrating to me and I am a single parent income household. I did everything I was asked to do and still ended up with it this outcome. Im very frustrated.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-08
Company: EQUIFAX, INC.
State: UT
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:
Equifax sent a letter dated XX/XX/2020. Refusing to comply with the FCRA section 605 ( B ) c. This is a willful and direct violation of the FCRA code. I am seeking help from the CFPB in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Westlake Services, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off my vehicle with Westlake Financial on XX/XX/2022. Title was supposed to be mailed to me within 7-10 business days, but it never came. Since then, I have contacted them by phone and e-mail and left voicemails and messages. It has been over 3 months now and I have gotten no response. I would like to sell the vehicle now but can't with no title. I also can not go to Secretary of State for copy because they still have not released the lien with the state.

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 2020-06-11
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I received a letter from XXXX XXXX XXXX addressed to my estate. I was reported by synchrony bank who put on my credit report that I was deceased. XXXX got a hold of this and is now sending me letters to my so called Estate. I am not dead. 
I called synchrony bank and they could not tell me why this happened or who did it.This is EXTREMELY disturbing getting a letter saying that you are dead in the time of all these crises. I am VERY upset upon seeing that I am deceased on my credit report put on by synchrony bank and receiving letters to collect a debt from a dead person. I really need your 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 explanation
Consumer complaint received 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company XXXX XXXX XXXX is reporting false inaccurate information on my credit file for {$1100.00}. 
A letter was sent and I've received no response in 90 days. In addition, a judge ordered a dismissal and this needs to be removed from my credit file.

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 2018-03-07
Company: Experian Information Solutions Inc.
State: GA
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:
The credit reporting Agencies illegally allowed XXXX XXXX XXXX, to continually add late payments to my account after they charged off the account. When this account started reporting as closed there should not have been any more delinquencies, but this account has been continually reporting late payments. This account has been closed since XX/XX/XXXX and my credit reports are showing late payments up to XX/XX/XXXX. This account is also showing as a charge-off since XX/XX/XXXX, but again the credit bureaus are continually allowing this company to illegally report late payments, that's impossible to late on a closed 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 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
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, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2022-03-10
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
XXXX  XXXX agreed to report the deferment to credit beauers due to late payment because of me being a victim of disaster and due to covid -19 losing employment. However, I was able to pay all past due amount to the current but it shows the late payments that they agree to report as paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: AES/PHEAA
State: SC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I filed a complaint with FedLoan Servicing about the misreporting of my timely payment. I have asked them to update the information to current going as far back as 2015 when my loans was handled by the Dept of Education/XXXX and South Carolina XXXX XXXX. I'm not sure if when the loans was transferred there was an error but I would like for it to be fixed. I have reached out to the company on two separate occasions to no avail. She there response below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Chase has predatory practices when it comes to overdraft fees and insufficient funds. While most banks will allow you to stop overdrafts by declining charges that come through when you do not have the funds to cover it, chase continues to allow it to occur. I have requested with representatives numerous times to not allow this, however it has continued to occur. Additionally, if multiple items come through at the same time, you will be charged a fee for each individual item, instead of a fee for the occurrence. Which is also extremely predatory. For example, say I had {$80.00} and bought {$80.00} in groceries, say another transaction posts before this for {$150.00}. I will be charged two fees instead of one had my intended charge came through as expected. Normally I understand overdraft fees are due to the individual not having enough funds, but the way it is practiced with chase is to take advantage of the consumer. At this point I have over {$500.00} in fees they refuse to waive. As this is almost a paycheck for me, their practices will just continue to snowball my account. Additionally their customer service refuses to help in any regard, no over draft protection and refuse to waive fees. Choose to bank elsewhere that has better account protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28
Company: Santander Consumer USA Holdings 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:
Applied for one car loan and the dealership ran my credit through several banks without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-22
Company: Bread Financial Holdings, Inc.
State: PA
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:
Victoria 's Secret has failed to properly report an updated credit report since XXXX XXXX XXXX. I have called them XXXX times and every time they have told me it was because they switched to a new system and there are delays in reporting for their customers. This is through comenity bank. They have also said it's to help their customers which in fact does not help them at all. My card is completely paid off and my report is not accurate causing me severe financial issues in getting a home loan. It does not take XXXX XXXX to report to a bureau and their excuses are ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete these two accounts and the inquires.

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 2020-06-10
Company: PNC Bank N.A.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have all the emails to prove that I was a victim of an internet scam. I wanted to purchase a dog and came across a page that had them much cheaper than everywhere else. I immediately messaged them. Puppies were sold for {$640.00}, I asked how much it'll be if I bought two, I was told {$1000.00} and {$75.00} for shipping straight to home. Then they send me an email saying that because of COVID puppies are required to ship in another crate and that the payment for the crate will be XXXX and to send it through XXXX, and that when the puppies were delivered I would get refunded XXXX. I went back and forth because I didn't have that money and all kinds of payment options were offered, like XXXX, XXXX, and even XXXX. After I saw I was getting the run around, I said I'll pick the puppies up myself in NC and I was never given the address and they were trying to make me think that the airport was holding the puppies. The shipping company they falsely used was " XXXX XXXX XXXX  '' ( XXXX XXXX XXXX ) I sent them {$1000.00} through my PNC debit account and {$75.00} through my XXXX XXXX account to a XXXX XXXX , through XXXX their email was XXXX I was so excited I was going to get two puppies that I even got pet insurances the minute I sent the money through XXXX, paying almost $ 100 monthly for pet insurance. 
Also the website is called XXXX XXXX XXXX  ( XXXX XXXX XXXX ) emails that these scammers used were XXXX XXXX XXXX ( delivery company email )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received a credit card offer from Citi, which I did not request, with a second card which has the name of a person I do not know. This is very dangerous because I'm assuming that once I activate the card that second person will be allowed to use the card. I would like to know how something like this happens.

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 2018-10-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got two credit cards through XXXX XXXX {$500.00} limit on each one I use them both for some time and then decided to close my accounts I paid off One credit card close to that account I pay off the other credit card down to a final payment and I was told inside of the bank they would not accept my payment that my account was frozen and that there was nothing I can do about it they sold my debt and since then the collection agency has harassed me this collection agency has changed their name because of their harassment of me and it still continues I have a letter here which just arrived this debt is over 15 years old and I have not made contact with this company and at least 10 years probably longer this debt still shows up on my credit report because this collection agency is breaking the law and the information I collected personally from XXXX XXXX which I still have my complete Financial record with them I made them print it out and send it to me so that I can prove this happened

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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 : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: Experian Information Solutions 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-01-14
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I completed a transaction with a buyer on XXXX on XXXX/XXXX/XXXX and payment was made to my PayPal account. The buyer then claimed my item did not arrive and opened a dispute. I tried to inform PayPal that this was simply not true and I spoke with the employees at the place my package was sent to but I heard nothing back and the money was removed from my account on XXXX/XXXX/XXXX. The person who bought my item was using a third party shipping service. This means I ship to that business and they ship to him in XXXX. It is unfortunate that my attempts to prove the buyer was lying went unheard and essentially the money was removed unfairly

Company response to consumer: Closed with explanation