BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-25
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: Old information reappears or never goes away

Complaint:
I have one existing credit card that shows late payments it has never been late one that was paid off and closed and it shows that it is still open by XXXX XXXX and that it was just a debt that was settled we paid it in full and I close the account because I didnt want to deal with XXXX XXXX  anymore it is still on my credit report

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 2020-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I signed up for a TransUnion credit report on Monday, XX/XX/2020 which I thought was free but evidently was not. I was charged a whopping {$27.00} for a report that I can receive completely free over at 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 monetary relief
Consumer complaint received 2020-02-18
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted the company multiple times through written communication advising them this debt was open due to identity theft. I have not received any correspondence from the company since I started contacting them 5 months ago. I discovered this debt by viewing my credit report this company never sent any correspondence to me for this debt. I have asked for a copy of the contract in question for 5 months now with no response. I have asked this company to delete the debt off my credit as it is in violation of rules under the fair credit reporting act.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: UMPQUA HOLDINGS CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
We use Umpquah bank and recently my debit card was used by someone who went on a shopping spree to the tune of {XXXX. I filed a dispute with the bank in XXXX Wa XXXX claim XXXX ) and they sent me a letter saying the claim is closed and they are denying giving my money back because their investigation showed that i provided authorization for these transactions. This is completely ludicrous. I last saw the debit card in the XXXX on XXXX when i used it at a XXXX in XXXX. I then walked across the street to my car in my work parking lot. I dont remember seeing the debit card again after that but i didnt know it was missing until the following saturday when i got a call from visa asking if i made some charges and i indicated that i had not and immediately called the bank to cancel my card. In the meantime i had switched to a new debit card that they had mailed by my request so i didnt even notice the other was missing. the day i last saw it i had to leave work in a hurry due to emergency and by the next day i was using the new one since the other one had a broken chip. Then a few days after using the new card i noticed odd charges under the new card ( 5.00 in online book purchases? ) so i cancelled that card too and i refuse to use an umpquah debit card anymore. Dont think their chips are secure! and i dont shop online or anything crazy. Help please! These people took {XXXX} of food from my babies mouths! I absolutely have no idea who took my card or numbers and i for sure did not give anyone else permission to have it nor would anyone i know use it! My husband is very upset about this also and the bank wont relook at the claim. I think i must have dropped the card sometime that Thursday but i dont know. I didnt know it was missing until the fraud dept called. 

Thanks, 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 monetary relief
Consumer complaint received 2022-03-03
Company: Linebarger Goggan Blair & Sampson LLP
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Linebarger Goggan Blair and Sampson LLP has been harassing me since XXXX about a debt I do not owe for a vehicle that was sold to XXXX XXXXXXXX. I contacted XXXX XXXX several times and they said they notified the state of Virginia that this car was sold to another party. This company has negatively impacted my credit and also harassed me over and over again on the phone with bogus numbers and threats. When I called them today, the person who responded to the call said she could not talk to me unless I paid the debt. Even after I explained to the woman that I did not have the car and it was sold in XXXX, she refused to talk to me. 

So, I am turning to to you to stop this company from contacting me and to have them take this falsified debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted the company multiple times through written communication advising them this debt was open due to identity theft. I have not received any correspondence from the company since I started contacting them 5 months ago. I discovered this debt by viewing my credit report this company never sent any correspondence to me for this debt. I have asked for a copy of the contract in question for 5 months now with no response. I have asked this company to delete the debt off my credit as it is in violation of rules under the fair credit reporting act.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: Experian Information Solutions Inc.
State: AR
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 show that all credit reporting companies are putting the credit run by my existing accounts to verify credit if it get increased or there normal check up shows up like i asked for a new account. 
I have had my loan for home be bought out 3 times now. I show XXXXr on my account now twice that is normal because they purchased the loan that is not me checking for new credit. It was XXXX now XXXX XXXX that has my morgage, Experian : It was run on XXXX/XXXX/XXXX and XXXX XXXX so that is normal for a home lender. Please tell them i should not have this against me. 

Also i have XXXX XXXX XXXX account i have had a long time. They moved over my accounts and merged the total on some to increase XXXX card that i use to higher total. I now have XXXX XXXX XXXX on their too. XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX. Existing accounts. 

XXXX XXXX - I have no clue who this is but i have a feeling since it is the same date as XXXX XXXX this is the same thing on my file showing pulled credit. 

XXXX XXXX These are the same people and i do n't recall them asking to pull credit. 

Who is this and i have no clue who it is? XXXX XXXX : They have the exact stuff XXXX XXXX and XXXX XXXX XXXX please resolve and take off.

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 2022-03-03
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase with my Chase credit card on XX/XX/21 from XXXX XXXX. I didn't receive my furniture until XX/XX/21. After getting the furniture ( Loveseat, sofa, chair and a half, and an ottoman ) something was wrong with them and the quality was terrible. It was not the same as what we had tested and sat on in the store. The material was different, the ottoman material was different from the couches, and it made a creaking noise and there were fuzzballs on the cushions. I reached out to XXXX ( the store and customer service ), in XXXX, XXXX and XXXX, and I got the run around and was laughed at and told I could not return them for a different set. So I reached out to my credit card company in XXXX. They filed a dispute for me, in which they told me if XXXX XXXX wasn't willing to help me with a return, that Chase would get me a credit for the amount of XXXX. I recently received a letter from Chase stating that my dispute was closed because the charge was valid because I did not return the merchandise. They denied my claim without even trying to take my side as a customer. They just discarded my dispute for the most absurd reason, when knowing they were couches I couldn't just load in my car and return, also knowing XXXX would not let me return them. I reached out to Chase two days ago, and she stated it was too late to reopen a dispute and there was nothing they could do. As a long time customer, they did a huge disservice to me, and did not stand by my side or try to help me with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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 requested my annual free credit report noticed so many charges from portfolio recovery associates I called them numerous times they just demanded money. I requested a debt validation letter several occasions over the phone and finally through the mail and still no response. What I do see is that they will randomly add new items and delete and vice versa, but 30 days since my request for a debt validation have passed and still nothing so Im demanding they remove all alleged debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 show that all credit reporting companies are putting the credit run by my existing accounts to verify credit if it get increased or there normal check up shows up like i asked for a new account. 
I have had my loan for home be bought out 3 times now. I show XXXX on my account now twice that is normal because they purchased the loan that is not me checking for new credit. It was XXXX now XXXX XXXX that has my morgage, XXXX : It was run on XXXX/XXXX/XXXX and XXXX XXXX so that is normal for a home lender. Please tell them i should not have this against me. 

Also i have XXXX XXXX XXXX account i have had a long time. They moved over my accounts and merged the total on some to increase XXXX card that i use to higher total. I now have XXXX XXXX XXXX on their too. XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX. Existing accounts. 

XXXX XXXX - I have no clue who this is but i have a feeling since it is the same date as XXXX XXXX this is the same thing on my file showing pulled credit. 

XXXX XXXX These are the same people and i do n't recall them asking to pull credit. 

Who is this and i have no clue who it is? XXXX Transunion : They have the exact stuff XXXX XXXX and XXXX XXXX XXXX please resolve and take off.

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 2019-05-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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 have a collection from Portfolio Recovery XXXX. I requested verification from them and all I got was a printout from the company along with statments from the bank. I requested proof that this debt is mine and that the amount is correct. I don't think printing statements is sufficient proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Recently, Paypal decided to close my account that I've had with them in great standing for several years out of the blue and without a warning. Paypal is notorious for doing things like this as I have uncovered from other people 's complaints. In my case, they approved me to get paid out right away which is a privilege to have with this company and only reserved for the customers who are in good standing with this company, I believe it's called funds now. Which confirms the fact that I have a great track record with them. However, a few weeks ago, I go to log into my Paypal account and wouldn't you know it, I get a message telling me that I have violated their terms and/or conditions and that they no longer wish to do business with me. Why????? Why Paypal???? How about an explanation about why you would treat a long standing great customer such as myself like this all of a sudden? I have done nothing wrong or out of the ordinary and you drastically shut me done and treat me like some kind of infectious disease. This is unacceptable! 
The only transactions that I have recently done on my account around this time was to receive rent payments from a guest chef that was visiting from XXXX to open up a new restaurant in downtown XXXX. He stayed with me for a couple of months while I rented out half of my apartment to him-Legally! And the other transaction was to receive payment for a cell phone that I sold to someone from XXXX that came to my home and picked up the phone and could only pay me by sending it through your service to my account. That's it! So, you want to tell me now how I have violated any of your terms and conditions in any way with these transactions?? Enlighten me please. Or, can you tell me what was unsafe about either one of those transactions? Nothing! They were all legitimate and normal transactions and for you to close my account just like that for conducting these normal transactions or without any warning is wrong and unprofessional. My login user id for this account is : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Synchrony Bank offers the Care Credit card which I have used for health care related expenses for a few years. About two months ago, ( late XX/XX/XXXX ) I received a credit monitoring notice that a new card was added to my account. I called the company immediately because I did not apply for or ask for a new card. They told me that they were upgrading me and providing me with a new card that would have a XXXX logo so it would be usable anywhere, not just at Care Credit providers. I told them explicitly that I did not want this, I did not ask for apply for this new card because I knew that opening up a new line would impact my credit. They said it was already sent in the mail and there was nothing that I could do about it, even though I stressed I did not apply for or want this card - and that they essentially opened up a new account in my name without my consent. They said that when the card arrived I could just cut it up and within 30 days they would deactivate it if I had n't used it. I have NEVER in my life heard at such an XXXX process and I have worked in compliance at XXXX XXXX. A month later ( by XX/XX/XXXX ) the card still had not arrived. I called the company back ( just this week, XX/XX/XXXX ) about this because I received numerous alerts from from my credit monitoring service that charges were being made from this new account that I did not apply for or open and in fact still did not receive a card for. I called the company again to complain about this deceptive practice and asked them to close all my accounts and flag the charges as fraudulent. At that time, it was {$1200.00} in fraudulent charges. As of today ( XX/XX/XXXX ), I logged into my credit monitoring service to see that the card is up to {$3100.00} in fraudulent charges even though I called over 48 hours ago to close this account. I have no idea what Synchrony Bank is doing but it seems that they are allowing identity theft to take place and are opening up accounts in customer names much like the XXXX XXXX scandal. Please investigate. I have worked very had to have a strong credit report and this incompetence can not be allowed to proceed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-19
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I experienced fraud on my American Express Corporate Card in XX/XX/XXXX. While I was travelling in XXXX XXXX ( XXXX  and Connecticut  ), I noticed 3 XXXX  charges from XXXX, XXXX. I immediately called Amex and was transferred to the fraud department. We identified the charges as fraudulent and I filed a claim. I was issued a provisional credit and was told it would be made permanent on the conclusion of the investigation. I called back several weeks later and was told the investigation was still ongoing. ( It was unclear why much investigating was required given I had charges at physical locations in Massachusetts  the same day. ) I was told the case required a maximum of 45 days to resolve, yet there was never a permanent credit issued.

I called today, in XX/XX/XXXX, and was told that there was no case and no credit had been issued ( apparently my case had been lost. ) I had to provide all the information again and was told my case ( XXXX  ) will now take another 45 days to resolve. Given how this is obviously fraud and I have already filed a case, I find this timeline unacceptable and have told your representative that.

I expect to be issued a full credit immediately - this is not a difficult investigation and two minutes of analyzing a statement will make apparent that there has been fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-18
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:
his page lists some civil complaints filed against XXXX XXXX XXXX, in the United States. ... Here is a page listing 116 lawsuits filed against XXXX XXXX ( XXXX ). ... ( 3 ) enrolled consumers in onlinebanking services that they did not request ; and Date : ST ; FileXXXX XXXX reaches $ XXXX settlement in accounts-scandal lawsuits XXXX sues XXXX for {$800.00} XXXX as card split sours the dump credit card XX/XX/2017 - Since the settlement more XXXX XXXX lawsuits have been filed and ... FREE XXXX XXXX TCPA VIOLATIONS LAWSUIT EVALUATION ... were received and cashed by this fraudulent XXXX XXXX and placed ... 

care credi act resolution svc 342 Account XXXX XXXX or XXXX is a third-party collection agency based in Florida. XXXX has received consumer complaints alleging violations of the Fair Debt Collection Practices Act ( FDCPA ), including attempting to collect debts not owed and failing to verify debts.

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