BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-07
Company: CITIZENS FINANCIAL GROUP, 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 status incorrect

Complaint:
I originally filed a complaint about CITIZEN ONE BANK regarding this same issue on XX/XX/XXXX ( XXXX ). However, since that time, this nefarious company, CITIZEN ONE BANK, has again deliberately reported my account as being delinquent for the month of XXXX. On XX/XX/XXXX, CITIZEN ONE BANK reported my account as Late 30 Days ( see screenshot ) to XXXX, XXXX, and XXXX. My account with CITIZEN ONE has had a XXXX balance since XX/XX/XXXX. 

Once again, I ask that this unethical company, CITIZEN ONE BANK, cancel my account immediately.

This unethical company, CITIZEN ONE BANK, is deliberately ruining my credit rating.

I ask that CITIZEN ONE BANK be severely fined for engaging in this horrible business practice.

I thank you in advance for your assistance in this matter. 
Sincerely, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
called cell phone ( without permission ) left message they were referring me to the legal to contact local officials. The name on caller Id is XXXX XXXX in XXXX. This number XXXX XXXX XXXX. The caller is really XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-24
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'm trying to buy a new car so I went to the car dealership today XX/XX/2020 and they ran my credit to see what bank would approve me for the auto loan but when my scores and reports came back, I was told I did not get approved by any bank because of some accounts reflecting badly on my credit. The accounts are from these companies. XXXX   XXXX XXXX, XXXX  XXXX XXXX and XXXX XXXX XXXX. I have never opened an account with any of those companies nor did I give anyone permission to open these accounts on my behalf. I don't know who is responsible for these accounts but I have already filed a police report. I did not benefit anything as a result of these accounts being open in my name nor did I contribute to any payments made towards these accounts. I am not affiliated to any of the companies listed above and I did not allow them to run or access my credit nor do I have any type of contract or agreement with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: United Revenue Corporation
State: TX
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:
A medical bill was added to my credit report from years ago, and to my understanding that is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: NY
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 below accounts, have violated my rights. 

XXXX  Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX 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. 

XXXX  Account # XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
A default judgment is appearing as a collection account on EXPERIAN, XXXX, AND XXXX.It is appearing perhaps to avoid properly categorizing the account as a public record due to AGREEMENTS BETWEEN CREDIT BUREAUS AND STATES ATTORNEYS GENERAL enacted within recent years.In addition.the date of 1st delinquency has been re-aged.THE DOFD coincides with the date of judgment entered ( ATTACHED COURT RECORD ) which would be impossible considering the nature of the debt, ie : back rent and holdover.The debt was many months prior to the stated DOFD.ALL  THREE BUREAUS after numerous disputes permit a false re-aged date of 1st delinquency and permit a miscategorization of debt, and allow these inaccuracies to fly in the face of their ATTORNEYS GENERAL AGREEMENT CREATING A LOOPHOLE FOR ACCURACY DEMANDED BY THE FCRA.The disputed account is XXXX, XXXX, XXXX XXXX acct. no. 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 2021-04-02
Company: EQUIFAX, 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:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX XXXX. XXXX ( Orig Cred : XXXX XXXX XXXX. CENTER ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
Hello, I have used PayPal for several years without issue. In the last 6 months I had a XXXX store that had used PayPal to transact hundreds of thousands of dollars. Covid had caused a damage to the economy and the sales. I had to begin refunding customers And needed to raise funds for chargebacks and refunds. I sold personal items in order to help customers and balance out the weight on my shoulders in taking care of things while maintaining a positive relationship with PayPal. When I sold the art for {$11000.00} dollars ( XXXX XXXX XXXX XXXX XXXX  my account was put on hold. The reason was because the account had disputes, but also because the amount for the single transaction was high. I submitted all required paper work and hoped for the best. At that point I could have refunded the customer and they could have wired me. I was assured things would be fine. 

PayPal locked my money, money meant to refund my customers. They put the money on hold and did not allow it to go to my customers. By doing so this resulted in dispute which resulted in fees charged by PayPal. These fees have now totaled more than what I even needed to refund to my customers. Had I been able to refund my customers I would not have had such high exorbitant fees and bills. My account went negative with PayPal. To continue to maintain the relationship I went further into debt hoping things would be ok. My mental health has suffered. I had to get a second job as a XXXX and worked XXXX  40 hours a week. I waited almost two months watching my balance go lower and lower. I called for help, asked them to at least apply the amount held ( now {$9000.00} ( XXXX XXXX dollars ) to the negative balance I have. ). Rather than helping me PayPal closed my account. They are now holding my money even longer, 180 days. If I am to suffer another 180 days of disputes and lack of refunds I will incur further debt and will have to take out more loans. I even started to fill out an application with PayPal for the XXXX sba loan, spent all day trying to do it to then have my accounts closed so the hope of relief again was taken away. 

This has caused a massive increase in debt during a difficult time. My mental health has suffered. Lack of sleep, a second job has caused me to suffer from episodes of crying and sever anxiety and stress. I have had to start seeing my therapist and taking time away from my children. My payment to my ex wife for child support and alimony have also suffered due to this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05
Company: Experian Information Solutions Inc.
State: NJ
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:
On XX/XX/XXXX I disputed negative accounts that were listed on my credit report with XXXX as well as the other bureaus since then there had been two disputes closed out without any information sent to me from XXXX regarding XXXX investigations, the information I submitted for removal has not been addressed and it has been way over 40 days and two full months that Ive been disputing with them.they have failed to remove the negative accounts that were not mines or associated with me and that are on my credit profile.

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 2021-09-07
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:
Notice To all, Today, XX/XX/XXXX XXXX, I am providing this complaint pursuant to 15 U.S. Code 1692a ( 3 ) - consumer means any natural person obligated or allegedly obligated to pay any debt. 

Also, I am providing this statement pursuant to 15 U.S. Code 1681c ( 2 ) - a consumer reporting agency ( EQUIFAX ) shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 

1. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

2. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX  Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Experian Information Solutions Inc.
State: WA
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 became delinguent with my XXXX XXXX credit card XX/XX/XXXX, its recorded as charged off in XX/XX/XXXX, experian records no data from XX/XX/XXXX-XX/XX/XXXX. I paid the debt in full thru XXXX XXXX in XX/XX/XXXX. After disputing status will not be updated, still states closed.experian shows as of today " XXXX written off. Updated XX/XX/XXXX '' which also includes a new " charged off '' status XX/XX/XXXX indicating a recent late payment. And no status has been reflected as paid although it has been and i have been subject to adverse abusive tactics by XXXX XXXX which seemingly is tied to my dispute. 

My concern is that in the fair credit reporting is it indicates its valid to report a " charged off '' status for seven years, and concurrently states that the seven years starts with charged off status. I dont know if this is a larger issue, however there seems to be a problem with the language to protect consumers.im unsure if this is valid to move forward with notifying XXXX  XXXX, however unless im understanding incorrectly this is unjust with reporting especially when the debts are paid. A similar action was adversely taken against me with another paid collection XXXX credit card, which resulted with multiple late payments, even though debt paid.

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 2018-03-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2018 I received a letter from Equifax stating they had placed a fraud alert on my credit reports by my request. I was baffled because I did not send anything to Equifax that required putting a fraud alert on my file. Earlier in the month, I sent in a credit dispute but didn't ask for a fraud alert. It appeared someone misinterpreted my credit dispute letter and took it upon themselves to place a fraud alert, which has caused so much confusion and stress on me with creditors calling, sending massive mail correspondence asking for a police report. Equifax fraud department even sent the other bureaus this alert and now it's a bigger mess with them locking down my files. 

I've sent Equifax a letter asking them to remove this along with a letter from XXXX XXXX that states that they did not see any signs of fraud on my account. 

I'm hoping they can resolve this issue quickly!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-07
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I entered into a conditional loan agreement/credit card contract with XXXX XXXX appliance company and Synchrony Bank related to the purchase for {$2300.00} of a TV and related small accessories. The agreement provided for no interest charges provided timely payment was made during a promotional period ending XX/XX/XXXX. 
I set up autopayment at XXXX XXXX XXXX  to make the payments and, wary of late payment issues, set a date early into, and in some cases prior to the start of the next billing period. Synchrony ( on three occasions ) applied the early payment to the previous month ( which had already been paid ) and levied a {$35.00} " Late Payment Fee '' for the following month. ( This is, I believe, similar to a practice that XXXX XXXX Bank engaged in, and for which it was fined. Accordingly, I will copy the office of Senator XXXX XXXX. ) Note that there was NO NOTICE that the fee was related to an early payment. 
When threatened, they said they would " waive their legal rights '' and repay the fees. I subsequently reviewed the account balance and paid the account in full. Whether I get the late fees back is largely immaterial ; important is that Synchrony is mis-applying early payments ( is the word " deliberately '' necessary here? ) and it is, I suspect a practice that many of their customers won't catch and won't have the knowledge to reverse. There is a class of victims, I suspect, who need your help. Thank you.

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 2018-04-10
Company: FIRSTBANK
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I reported 5 unauthorized transactions that took place on XX/XX/XXXX and XX/XX/XXXX XXXX  for a {$30.00} unauthorized charge another charge for {$10.00} from the XXXX. On XX/XX/XXXX unauthorized charges from XXXX for {$19.00} and XXXX for {$7.00} and {$5.00}. The total amount of 5 unauthorized charges were {$72.00} The dispute reference # XXXX for 1st Bank XXXX XXXX XXXX XXXX CO XXXX Phone number XXXX. I was informed that the dispute would be resolved and card was cancelled. The representative ( XXXX XXXX ) appeared to be reluctant in resolving the matter. Her response was that unauthorized charges were impossible? She then stated that the matter would be resolved and that charges would be reversed and NSF fees would be reversed as well. I feel violated from unauthorized charges from the perpetrators and 1st bank. To this day nothing has been resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-28
Company: DISCOVER BANK
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My credit card bill was not sent to my house for several months ; when it was the numbers on my credit card did not match the numbers on my credit card bill. Payments were deducted from my checking account, then they were not credited to the credit card bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The reason I am requesting an investigation by your agency is due to Equifax customer service department would not help and take care of the negative inquiries reporting to my credit report. 

1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX 4. XXXX XXXX XXXX 5. XXXX 6.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: Bread Financial Holdings, Inc.
State: NM
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 recently discovered a credit inquiry from Comenity Capital Bank on my XXXX credit report. I did not authorize this inquiry and so I sent a dispute to them on XX/XX/2021 demanding it to be removed from my credit report. I also sent a dispute to XXXX. Both came back verified with no proof. I called Comenity Capital Bank on XX/XX/2021 to dispute the inquiry and a representative stated they had no record of an account with my name or social security number attached. Based on what has happened, Comenity Capital Bank and XXXX  are in violation of the following laws : FCRA 15 USC 1681b ; FCRA 15 USC 1693a ( 2 ) This is very frustrating and I demand resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: IN
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:
Is it that hard for the Credit Bureaus to remove the disputed Items from my Credit File? I have been sending letters to the Credit Bureaus to requesting the removal of the inaccurate personal information and Fraudulent account from my Credit Report. But despite all my extended effort to have the Credit Bureaus respond to my letters, I came to a realization that the Credit Bureaus have been ignoring my letters as well did not comply with the Fair Credit reporting Act section 605b. The Credit Bureaus continued reporting the disputed items on my Credit report without proper verification. The following items : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance Owed : {$9400.00}, are items incurred due to identity theft and must be removed from my Credit Report. If the Credit Bureaus claim that the Items belong to me, I will need the Credit Bureaus to provide me with copies of documentation which bears my signature to support the Credit Bureaus ' claim. If the Credit Bureaus can not provide me with documents I am looking for, I would greatly appreciate it if the Credit Bureaus would immediately remove these items.

Company response to consumer: Closed with explanation