BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-17
Company: Paypal Holdings, Inc
State: IL
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 paid {$90.00} to someone on PayPal for 3 concert tickets. The person who was selling me the concert tickets was a woman, but after completing the transaction, the payment was to a man. The woman stopped responding to me after I paid for the tickets and is not transferring them to me. This was fraudulent on behalf of the seller 's identity and failure to complete the transaction on her end by transferring me the tickets.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: Foris DAX, Inc.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
I deposited XXXX XXXX   into crypto.com via XXXX XXXX. A week or 2 later, after the money had already cleared my bank, which I have statements of, they put a negative XXXXXXXX XXXX on my account balance and said I have to pay it for my account to go back to zero balance. 
The same thing happened on 3 transactions total all around the same time a week or so after deposited. they fixed the XXXX XXXX  and XXXX XXXX Deposit issue, but left the XXXX XXXX Issue. I sent them bank statements and proof of deposit, but everyday they just say they are working on it and can not give me and answers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25
Company: LEXISNEXIS
State: FL
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:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information that's still found in my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: Source Receivables Management LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This the FOURTH collection agency that has tried to collect funds for XXXX account that has been closed for quite some time now. This contract was cancelled by XXXX. I made contact with the other collection agencies and they could not produce a SIGNED and WRITTEN contract between myself, XXXX XXXX, and them. 

I have made contact with this company verbally requesting that they provide a WRITTEN and SIGNED copy of the repayment contract between myself, XXXX XXXX and Source Receivables MNG. I was transferred several times before they disconnected the line.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11
Company: ID Analytics, Inc.
State: TX
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:
On XX/XX/2018, XXXX XXXX XXXX  gave a potential creditor information that adversely affected my ability to obtain credit. The reason stated on the letter from the lender specifically noted " distance between address and area code of phone number '' to name one. I made a call to the agency, got a recording, left a message, received an automated call back to go to the web site and follow the instruction and mail in my request. The information they are requiring me to send is the very information we are advised never to send anyone. A copy of my DL, a copy of my SS card, DOB along with general address, phone etc. Then they further add they need a copy of one of  these : utility bill, lease agreement, bank statement, voided check or mortgage document. Anyone could have a field day with that information, how ridiculous. 

This it totally unacceptable, I wouldn't send that information to anyone via mail or internet. I want the information they supplied the creditor, it is apparently inadequate, erroneous and certainly outdated. 

I also wanted to freeze my report as I have with other companies, but in order to do so you need to send the aforementioned information. 

This company is giving information that affects peoples, they need to be sure their information is accurate and customer oriented.

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 2023-09-19
Company: Experian Information Solutions 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. 

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 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  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 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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
the vehicles transmission went out XXXX XXXX refused to fix or honor the warranty on the vehicle so payment was stopped until an agreement could be reached but they still reported delinquent payments on the vehicle, we did reach an agreement on the vehicle and settled the account but they reported it as a charge off settled for less then the amount owed and reported over a year of delinquent payment i have requested that the account be either changed or removed and they refused to do so i have disputed this several time and they still wont remove it, it has gotten to the point that the way it is reported it has stopped me from finding home loans and been turned down for other credit for cars and personnel loans as well, i am asking for your help in repairing this situation as soon as possible, this is a personnel attack on my financial life and well being

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 2023-08-15
Company: JPMORGAN CHASE & CO.
State: NC
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:
I legally change my name to from XXXX XXXX XXXX To XXXX XXXX now Chase bank JPMCB - CARD SERVICES account. Still have in my online profile from my credit journey XXXX XXXX I already change in the locate bank but Im having a lot of difficulty to change credit update they refused to do it all the time and thats its legal I have my new credit card under my legal name XXXX XXXX but online still XXXX a XXXX You stop report my credit to XXXX since last year 2022 and remark my account asking for a clear credit report when you are the only company hasnt change the name I need you to update and my name and report to XXXX a soon as posible this its affecting me because Im putting a lot of my busy time to this situation Im going to share my label documents once again to prove that XXXX XXXX is my legal name and not XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: Choice Money Transfer, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I send an amount of {$6000.00} to XXXX from a money transfer store. The name of the store is " XXXX XXXX ''. Address : XXXX XXXX XXXX, XXXX, NJ XXXXXXXX. 

But the lady ( store owner ) closed the business and left the city instead of sending the money or refunding me. She used to send my using Choice Money transfer and her lending company is Small World Financial Services Gropup. Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX NJ  XXXX. 

Short History : I went to the store on XX/XX/XXXX and gave {$6000.00} to the business. The lady said it will take few days to send the money as the amount is big. She asked for my bank statement and I provided that. She told me that once, they finalize the transaction she will give me the PIN number. She gave me a printout of my transaction and asked me to wait few days. I believed her as I used to send money from this store from last two years and this kind of transaction delay happened early. 

I followed up on XX/XX/XXXX just after the XXXX day and she said the transaction is still pending. She said same on phone when I called her couple of times. On Saturday XX/XX/XXXX I went to the store and she told me that the money transaction must be cleared on Monday ( 1XX/XX/XXXX ), otherwise she will refund me. I waited till Monday. When I visited the store on Monday she said that their system is completely down, and as that was a holiday week, she needs some times to restore the system. She said that they will fixed the system on XX/XX/XXXX and only then she can cancel the transaction and the refund will be available on XX/XX/XXXX ( Friday ). I had to wait but I got some scared but as it happened to me earlier and she had never cheated me, I just believe that and went to the store on 'XX/XX/XXXX '. But I found the store is closed. I revisited the store on next day XX/XX/XXXX and found the still closed. I spoke with another customer and she read out a notice which was written in XXXX. As per the notice, they will open on XX/XX/XXXX due to system failure. 

I went to the store on XX/XX/XXXX but found that closed. I also saw many people came there to inquiry about their money. But the lady left the city keeping all of us blind. Next day XX/XX/XXXX, I met an agent from Small World Financial Group who are the lender of the wire transfer. That agent told us they will take care the customer. But when I called them they had not received the phone. I called Choice Money transfer but they said they had nothing to do with the store as the lady did not actually made any real transaction. 
I went to the police station and filed a police report against the lady. Her name is XXXX most probably. 
I need help to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2020, the amount of {$590.00} was deducted from my savings account. Someone used my bank account and routing number to pay a XXXX  credit card bill. The persons name on the check is someone named XXXX XXXX XXXX. I dont know this person and I have no clue how they had access to my information. I constantly check my account, and the same day that this happened I called the bank. Ive been calling Santanders customer service number, as well as attending the branches to get resolution and they keep giving m the long run and until this day they still havent fixed my issue. Customer service does not want to help, neither the branches. I even had affidavit of forgery notarized and I went to the branch and submitted. I call Santander the following week to follow up and they tell me the case has been closed because I never submitted the affidavit of forgery. I then receive a response from Santander Executive office in which they state that once I mail the affidavit they will reopen my claim. I speak to the lady that sent the letter, and she basically tells me that there is nothing that they can no longer do. Ive been calling and visiting branches none stop to get this resolved and no one has helped me. I always get the long run. I will be contacting my attorneys at this point.

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 2023-03-13
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: Old information reappears or never goes away

Complaint:
Dear CFPB Staff I have an account with XXXX credit reporting company that updates me on my credit score monthly. XXXX also shows the credit score of the other two credit reporting companies such as Equifax and XXXX, but the information appearing on the XXXX website about my credit debt with Equifax and XXXX is incorrect. My total debt is {$8400.00} and NOT {$11000.00} which is old information shown on the XXXX website. I have tried to address this issue with XXXX before and nothing has changed. XXXX needs to update its website and communicate with both Equifax and XXXX to correct this error on its website. ( please see picture attached ) I have also filed a complaint with CFPB to Equifax Complaint # XXXX and again Equifax did not fix the issue with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC
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 received a credit monitoring alert that my First Citizens Bank Auto Loan was " Closed '' and that the balance had increased ( see attached screen shot ). My account is not closed and I have never missed a payment ( see attached First Citizens Account History ). I contacted First Citizens about the issue and they advised they were aware of the issue and were working to correct it. I sent a second email and asked if they were aware why didn't they contact their customers to advise them of the situation. I received the exact same " canned '' response from a different rep. I have received no other communication from them and as of today 's date XX/XX/18 the issue still shows on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX # XXXX AND XXXX # XXXX THEY HAVE VIOLATED MY RIGHTS. 

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.

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 2023-03-13
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HI my name is XXXX XXXX and i been disputing lvnv funding XXXX XXXX XXXX from my credit report for months and months. im finally reporting them to cfpb and the XXXX  and im also gon na file a suit in federal court, I'm requesting this company to delete this account off my credit report and i want this done asap delete off my credit asap

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: R & B Corporation of Virginia
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hospital/Physicians and Credit Control Corporation are in violation of the HIPPA law, sending unauthorized PHI and PII with no signed HIPPA release form and without truly verifying if this account belongs to me. For almost two years, I've been asking for documentation verifying these accounts, yet still no original signed documentation given, only copies of medical billing statement with diagnosis, patient name and date of birth.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
This issue ONLY exists on my Experian report for whatever reason and none of the other agencies. I have repeatedly tried to rectify this matter in the past to no avail. My last name is XXXX and often times I get called or am corrected of my own name by many as XXXX which is NOT my name. I have no clue what this debt is for and Experian refuses to remove it from my report. I am a XXXX minority and am trying my best to establish credit and they are preventing me from doing so by putting a false negative mark on my report. I ask that you please help me rectify this matter in hopes of myself trying to correct my report as to what it should accurately show as no bad marks should exist. On another agency 's report it even has me currently working at XXXX 's and I have never worked at XXXX 's. It's been difficult enough as it is with my XXXX but with these inaccuracies on my reports it has made life extremely difficult and would hope to see this matter resolved asap. I appreciate your time and look forward to your reply.

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 2022-02-25
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been issues foreclosure papers from the company. 

This is the same company ( XXXX XXXX aka Loan care ) that I have already filed a complaint ( see prior complaint ). 

Their response was that they are not the company...... I am getting very 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 2019-10-01
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: Information belongs to someone else

Complaint:
On XX/XX/2019 I have received an email regarding a new credit inquiry under my name for a Citibank Home Depot card/service.

I have immediately contacted Citibank to dispute the inquiry and they directed me to contact XXXX to dispute it. 
I have contacted XXXX and they requested that I send them a letter with information to verify my identity and request to dispute the inquiry. I have mailed the letter and all the information to them on the same day. 

Since I haven't heard back form anyone and it's been almost 3   months I have decided to contact XXXX today and check the status of the dispute. 
They confirmed that they received my letter. 

They told me that they can't do anything about it without Citibank sending them a letter saying that they agree to remove the inquiry. 

I have called Citibank to request that they will do that and they said that the only way for them to help is if XXXX will contact them directly to request this information. 
I called XXXX again and they said that they don't contact anyone, " the only hold information ''. I called Citibank again to let them know that XXXX don't contact anyone and that I need them to contact XXXX or send me something that I can then transfer to XXXX  and they said they won't do it and the only way that it works is if XXXX  will contact them. 

Citibank agree that they don't have any authorization from me to run this credit inquiry, yet they won't help me fix this fraud. 

I have been trying to speak to 5 different reps and managers at XXXX and 5 different reps at Citibank to try and resolve this, sent letter, verified my information, spent hours on phone call and I am still stuck between this two with no one to help me. 


PLEASE HELP ME! 


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 non-monetary relief