BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-11
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:
I have had several incidents of theft of personal identity items throughout the past years, birth certificates, social security cards, and IDs. I have endured years of fraudulent accounts being opened in my name during various timeframes. Several accounts have appeared on my credit report and I have relentlessly did everything in my abilities to communicate with all credit bureaus to have these items identified as fraud and be removed and even after supplying information of the police reports and criminal investigations that have been filed my credit file remains inaccurate and all 3 credit bureaus have failed to remove these inaccuracies. I am highly upset at the amount of inaccuracies that remain displayed on my credit file. I wish to have this matter resolved and removed immediately. Documents are attached to this complaint to support the multiple incidents of identity theft.

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 2021-05-07
Company: Experian Information Solutions Inc.
State: PA
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:
I had noticed on my Experian credit report that on two of my XXXX XXXX, credit accounts the payments were being falsely reported 30,60,90 days late. 
I filed a complaint with Experian 0n XX/XX/XXXX, and they processed the complaint to XXXX XXXX. 
XXXX  XXXX response stated that there original reporting was accurate and that they were not going to make any adjustments. 
On XX/XX/XXXX I started to use XXXX XXXX, a credit managing company that were making all of my credit card payments religiously. Even after presenting blatant proof of the payment report from XXXX XXXX, showing that all of the payments were made on time from XXXX through XX/XX/XXXX, XXXX XXXX and Experian refused to make the proper adjustments. 
These fraudulent acts has damaged my credit score for years! 
On one account : It shows from XX/XX/XXXX - XX/XX/XXXX, 30,60,60,60 days late, all false. 
On the other account : From XX/XX/XXXX - XX/XX/XXXX, 60,90,90,90,90,90,90,90.90,90 days late, all false.

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 2020-05-29
Company: EQUIFAX, INC.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
on XX/XX/XXXX I recived a inquiry on my credit from Bank of America. I didn't authorize this inquiry and so I disputed it for deletion and I was told to reach out to the creditor. I attempted to reach out to the creditor to get proof of authorization for this inquiry but to no avail. 

On XX/XX/XXXX I recived a inquiry on my credit from XXXX XXXX. I didn't authorize this inquiry and so I disputed it for deletion and I was told to reach out to the creditor. I attempted to reach out to the creditor to get proof of authorization for this inquiry but to no avail. 

On XX/XX/XXXX I recieved a inquiry on my credit from XXXX XXXX. I didn't authorize this inquiry and so I disputed it for deletion and I was told to reach out to the creditor. I attempted to reach out to the creditor to get proof of authorization for this inquiry but to no avail.

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 2018-12-13
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 have been the victim of identity theft the following inquiries were not authorized by me : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/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 2018-09-28
Company: Experian Information Solutions Inc.
State: PA
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:
When I received my latest mortgage statement, I noticed a late charge on the statement. I called XXXX and spoke with a representative and said we received the bill on the XXXX and it is due on the XXXX. There is no way the payment would reach XXXX by that date. The representative said she would waive the late charge since it was not our fault that the payment was mailed late from their office. We have NEVER had a late charge until this last statement, since now they are mailing the statements late. We should not have to pay the price for the mortgage company 's late statement mailings. This late charge information is destroying not only my credit but that of my wife 's also.

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 2023-07-25
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I am filing a complaint regarding Paypal. I opened a Paypal account and soon after opening it was hacked. I filed a case with Paypal as well as my credit card company who ultimately resolved the issue and refunded the charges. However, the case with Paypal, opened on XX/XX/2023, has been left open by Paypal and I did not hear anything further about it. On XX/XX/2023, I contacted Paypal after receiving emails about an invoice on Paypal from someone looking for payment from me ( that I had no knowledge of ). I had already detached my credit card from Paypal after the initial hack back in XXXX and I now wanted to close the Paypal account given the email I received and concerns about Paypals security. However, I was told by multiple people at Paypal they would not close the account unless I submitted more information via a link they would send. Please understand, I have no interest in submitting a copy of my personal identification via a link to Paypal considering the lack of security I have experienced. To be clear, all I want is the account closed and I was told by multiple people ( including XXXX, employee ID # XXXX ) that they would not close the account unless I provided more information. If Paypal was willing to let me use the account without this information there is no reason why they cant also close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: Experian Information Solutions Inc.
State: OH
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 had someone access my credit profile for accounts that I do not recognize. I have had my wallet stolen and my credit, I.D . was used not sure how many accounts were opened. My current address is XXXX XXXX XXXX XXXX, XXXX XXXX. My name is not XXXX XXXX or XXXX XXXX please delete them from my credit file. 
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 XXXX XXXX XXXX XXXX**, XXXX XXXX XXXX # XXXX**** , I do not own these phone numbers please delete : ( 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 non-monetary relief
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2020-07-25
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX, I received a letter from Chase Card Services stating that they would be taking negative action against my credit line based on an unsolicited credit review of my account. In the letter, it clearly stated that if I wished to preserve my rights in disputing the finding that I must send a reply in writing. 

On XX/XX/XXXX, I sent a letter providing additional information disputing their findings and providing additional information. 

Only XX/XX/XXXX, I received a phone call informing me that if I wished to dispute the negative action on my credit that they require that I wave my rights to have my dispute be handled in writing. I informed Chase that I had no intention of waving my rights and informed them that I want my response in writing. I then wrote another letter to them stating that I do not wave my rights to having my dispute handled in writing. 

On XX/XX/XXXX, I received another letter from Chase stating once again that if I wished to dispute the negative action on my credit that they would not handle it in writing but I would instead need to call them. In the letter they said that this action was being done, " to be fair '' ( no explanation of how waving my rights of my dispute in writing is supposed to be fair ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My escrow account has a surplus of over XXXX dollars and I have been unable to initiate a new mortgage escrow account analysis from Pentagon Federal Credit Union. Repeated calls to PenFed and requesting escalation of my request result in no action taken. Appreciate your assistance in helping me resolve this matter. 

Sincerely, 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 2020-05-29
Company: Phoenix Financial Services LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit today and out of nowhere theres a collection from these people that I have never heard of and who I do not owe or have a contract with. Im XXXX because they have the wrong person here. Also they are violating the FDCPA because even though I have no knowledge of this company they supposed to notify anyone within 5 days by mail a written notice with the amount of money they claim you owe and the name of the original creditor that I also dont know as well I have not received anything from this company to my understanding this is identity theft and I am seeking litigation because this has sent me into XXXX. also, I will be suing in small claims court and they will definitely have to travel to represent themselves they have violated my consumer rights as well. I demand they remove this false item expeditiously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I contacted Chase bank on XX/XX/XXXX around XXXX on issues of XXXX XXXX XXXX on authorize debit of {$440.00} out of my Checking Account. 
I signed a agreement online on XX/XX/XXXX on with XXXX Extending the arrears payments of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX n the back of my Auto Loan. 

Regular Periodic payments continuing on XX/XX/XXXX and resuming periodic payments continuing on 4th of each month on time. 
I filed a claim on XX/XX/XXXX at around XXXX with Chase bank Rep on a live cell phone conversation XXXX. 
I respectfully ask Chase Bank not to release the funds to XXXX and keep the funds in my account as I have written a check to pay a my XXXX  XXXX Mastercard bilXXXX of {$200.00}. 

Chase bank release the funds of {$440.00} to XXXX from my checking account ending # XXXX and now my Checking account is overdrawn over {$600.00} dollars. 

On XX/XX/XXXX at around XXXX I went to Chase Bank at Consumer Banking XXXX XXXX XXXX, XXXX, California.XXXX -XXXX. 
I spoke with personal banker Mr.XXXX XXXX.NMLS ID:XXXX. 
I explain to him on the the issues of funds been debited unauthorize by XXXX and he called Chase bank Claim Department. 
I talk to Chase bank claim department and she stated that claim was implemented on XX/XX/XXXX and I told her I had evidence of XXXX issues and Mr.XXXX fax XXXX document on agreement in not debiting the {$440.00} on XX/XX/XXXX out of my checking account. 

A CFPB complaint was filed by me on XX/XX/XXXX against XXXX XXXX XXXX, filed complaint case # XXXX I am XXXX Lifetime and XXXX. 
I only receive California XXXX XXXX XXXX Lifetime Retirement Pension Income only.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-04
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was approved for credit by XXXX XXXX and received and used the credit. Admittedly I maxed out some of the cards soon after receiving them. I have since learned my lesson and am more knowledgeable about how credit works. I have not spent a cent more on my cards since XXXX or before on most of the cards, I also have paid some off and always pay more then the minimum due. So it stands to reason that my balances go down which should help to improve my score. XXXX XXXX has repeatedly waited until I'm almost done paying or have cut my balances way down to cut my credit limit. So my credit score and report looks like I still have high balances. When in fact I have been working very hard to get my credit in check. Please help me, as I believe that this is a very unfair practice. I pay on time and more than what's due, and have not been using my cards. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I purchase a XXXX phone back in XXXX or XXXX as a XXXX gift for someone. on XX/XX/XXXX, I contacted XXXX store asking teme about return slip. so that I can return back the phone. the refused because they stated that the phone was purchased over 30 days and therefore can not be returned. I explained to them that the person did not want the phone because the could not use their present carrier and the phone would be of no use to them., After the refused to send me a return label, I then, contacted the financing company Synchrony bank them to cancel the account. the financing bank cancelled the account and fowarwed me an email in a letter stating the finincing account was close. I was to begin paying for the first payment of the phone on XX/XX/XXXX, however, I had started the process of returning the phone. the phone was returned to the mailing address it came from and someone signed for it. I then contacted XXXX store explaining that I will not be doing the monthly payment due to the fact that the account was closed and the phone was returned back to them. I asked them to stop call and to take the negative report off my credit report. they stated that they would investigate my concerns. after about a month the send me a letter stated that I need to send proof that the phone was returned. I did ned then proof and a few weeks later the informed via mail that the could not find the return phone and therefore I was still responsible for the {$690.00} charge for the phone.

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 2021-05-07
Company: American Collections Enterprise, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, I have sent 3 letters via certified mail to ( American Collections Enterprise inc ) on the dates below notifying them that they did not validate this is my debt, instead, they sent me all my personal medical records that violate my HIPPA rights. I was not sent a HIPPA release form and that makes them having my personal medical records without my permission against Federal law. They have yet to respond or remove this account from my credit report. requesting Dates letters sent : XX/XX/2021 XX/XX/2021 XX/XX/2021 XXXX claimed I owe : {$1500.00} Thank you, 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 2019-03-04
Company: Experian Information Solutions Inc.
State: CA
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: Problem with personal statement of dispute

Complaint:
I never opened or seen the credit card come to me from XXXX XXXX XXXX Credit Card. At the time they claim I had gotten card I was living in XXXX CA. I been living with my parents in XXXX XXXX CA. One thing has stopped the calls from XXXX XXXX because they can not legally track me to my parents house when they never gad the number in the first placr and my father told them quit persueing otherwise talk to our lawyer that stopped the calls but I still getting mail into my parents post office box if I was in XXXX where they say I opened credit how are they sending to a box in XXXX XXXX I didn't give it to them. I had no existence of the card or anything from XXXX XXXX until I noticed it on my credit report. I am in the process to taking XXXX XXXX  to Court for harrassment and turning in complaint to Experian and who knows the other 2 credit bureaus and I guarntee I will win I have probably over half of the lawyers in XXXX XXXX County that are personal friends back me up and ready to fight XXXX XXXX when I say so and I will go against Experian and the other 2 credit  monitoring companies if its not erased from my report and Experian knows the others I'm disputing too I am just starting with XXXX XXXX and then others will follow. I can not fix my credit if my disputes dont get resolved and I can't fix everything because I been a victim of Identity theft already and I am taking revenge as of now and will probably become rich in the process because I will win.

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 2020-07-25
Company: CITIBANK, 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:
Based on State law this account exceeds the State of California 's Statute of Limitations. Please verify all information is correct and does not violate consumer and State law.

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 2021-05-07
Company: Experian Information Solutions Inc.
State: SC
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 recently reviewed a copy of my Experian credit report on XX/XX/2021 and noticed an inquiry that was unauthorized, inaccurate, or made in error by XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX

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