BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-13
Company: U.S. BANCORP
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have already submitted a complaint in the past about USBANK, an institution that has been destroying my credit because for my late payments. 
I have called several times asking them to reduce the payments to what I can afford ( {$200.00} ), instead of {$310.00}. 
I have been asking asking for that FOREVER. They haven't cared at all. 

My wife now leaves in NY and my expenses and credit cards do not allow me to pay an extra {$310.00} for the loan. I want it lowered to {$200.00} so my payment will NOT be late AND they can STOP DESTROYING MY CREDIT SCORE. What USBANK has been doing to my credit is BULLYING. I have never refused to pay. I always make effort to pay, BUT, for the time being I can not keep up with that loan. USBANK needs to lower the payment to what I CAN pay ( {$200.00} ). This is a REASONABLE request from someone who responsibly wants to pay the loan off. 

It is an absolute shame that I have to keep BEGGING the bank to lower it what i can afford. That is NOT how a company that calls itself the " most ethical company '' should function. 

I need assistance getting my monthly payment to what I can afford. 

Thank you, 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 2018-08-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company calls every single day from MULTIPLE phone numbers. They have a new phone number EVERY SINGLE DAY. I repeatedly have asked them to cease and desist phone calls and to ONLY send communication through mail. The calls continue and I am getting incredibly frustrated by their tactics.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-13
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
am writing in regards to the hard inquiry pull from Paypal Credit on XX/XX/2017. As previously stated I have no recollection of thi ever applying for this form of credit and have even spoken to members of your customer service team that can find no evidence of me applying for credit with PAYPAL. Recently I chose to dispute this hard inquiry however, it is obvious that the response received was generic as I have personally reached out to your customer service department who had no record me ever applying for any form of credit from paypal. I implore you to do adequate research into my claim as this response has not addressed my concern! Please provide information regarding when I would have applied for this credit as well as what medium was used. The call center representatives I spoke to highlighted that they were unable to send a credit removal letter to the credit bureau as they had no record of the transaction being done. I am concerned about this constant run around between you and the bureaus because as stated before I have no recollection of applying for this form of credit! Please address my concern. I future elaborate that failure to positively verify these accounts has hurt my ability to obtain credit and note that I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Experian Information Solutions Inc.
State: NC
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:
SEVERAL FRAUDULENT ACCOUNTS WAS OPEN IN MY NAME THE THIEF STOLE MY ID NAD SOCIAL SECURITY NUMBER AND USE IT TO GET MEDICAL AND AUTO LOANS AND CREDIT AND UTILITY ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRASs. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the 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 2021-06-25
Company: Experian Information Solutions Inc.
State: AL
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:
Yes my name is XXXX XXXX and I am a victim of identity theft I sent in a dispute letter asking for proof of the account showing under my credit report thats not mines and never heard anything from them I also spoke with somebody XX/XX/XXXX asking for disclosure they have record of to prove those accounts are mines a guy told me they dont have anything to prove those accounts mines so thats a violation there Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand lthat 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. they told me they dont have proof they just go by what the creditors say but 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. They choose to remove the fraudulent accounts they dont have any documentation to show me that those accounts are mines and I have proof of that I also sent in a ftc report they told me it was fraudulent got a XXXX email saying they want remove the account they never told me why and want tell me why something need to be done about experian

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 2018-08-14
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Paypal is holding my Financial Information hostage and will not remove my personal Financial Information from their website as I have requested. My account was closed as of XXXX for as Paypal put it Chargebacks and Disputes that were initiated on my behalf, in which I had every right to dispute the rampant fraud that was happening on XXXX and Paypal at the time. This account is no longer active and is such is no longer used to prevent fraud, collect any fees owed, resolve disputes and trouble shoot problems, assist with any investigations, enforce sites terms or conditions, comply with legal requirements : since the account has been de-activated by Paypal any terms and conditions are now considered termed and void under XXXX. 

As for the following accounts under XXXX and XXXX These both accounts are no longer active and is such are no longer used to prevent fraud, collect any fees owed, resolve disputes and trouble shoot problems, assist with any investigations, enforce sites terms or conditions, comply with legal requirements : since the accounts has been de-activated by Paypal any terms and conditions are now considered termed and void. 
Recently in XXXX in the month XXXX, three fraudulent transaction occurred on the Paypal account associated with email XXXX Paypal was useless in this matter and even couldnt give me details on what happening on the matter, in fact these XXXX couldnt even get the money back into my account when this fraud occurred, I have to get my Bank involved to initiate a charge back from this fraudster. Paypal falsely states they will protect my information, when in fact they can not even retrieve money that is stolen out of a Paypal account, they are useless merchant and I want my XXXX personal information removed from Paypal, they have no right under federal laws to keep my personal Banking information, when none of my accounts pertain to the following : prevent fraud, collect any fees owed, resolve disputes and trouble shoot problems, assist with any investigations, enforce sites terms or conditions. These became termed and void once Paypal de-activated my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: EOS Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by XXXX about an unpaid bill. The total amount due was {$220.00}. XXXX offered a settlement in full for the amount of {$67.00}. I paid this amount via my debit card and it was applied to my account on XX/XX/2021. Later I received my settlement in full letter dated XX/XX/2021 from XXXX stating the debt was settled and they would notify their client. I am attaching a copy of this arrangement. 

Apparently, XXXX XXXX did not do as required, and notify the original creditor that they debt was settled in full. They only reported a {$67.00} payment towards the balance, not a legal settlement that was agreed to. So now, the original creditor has sent this same account out to two other collection agencies to try to collect the remaining balance, when the account has already been legally resolved months ago. 

A collection agency named XXXX XXXX  is reporting it now, and another named EOS CCA also has their hands on it. It is highly illegal for all of these parties to continue to do harm to my credit for an account that was resolved months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: MARINER FINANCE, LLC
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: Account information incorrect

Complaint:
Mariner Fin. is stating that they can't help me with this account due to it being closed in their office. They said that the account is now with a collection agency. First of all, this account do not belong to me. I asked Mariner Fin. to provided me with a signature or any information attachment to this account, they cant do it. I called the collection company over and over again. No one never pick up the phone or return any of my phone call. I asked Mariner Fin. to deleted this account or show any document linking me to this account. It's not fair or lawful for Mariner to report this account over and over again when they not even holding a open account. Per to the Fair Credit Reporting Act, a company can't report a transferred account and still report it negatively.

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 2021-06-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
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:
I have a credit card through Citizens Bank NA. I have made all payment on time since the inception of the card. I enrolled through the Alert system for the credit card at the time of setting up my online account. 

When logging on to make my XX/XX/XXXX Payment online on XX/XX/XXXX, I had rewards in the amount of {$25.00}. I used the rewards to credit the account balance. The bill pay feature then showed my new payment due XX/XX/XXXX with a new minimum payment. 

I logged back into my account on XX/XX/XXXX to check my transactions and I was notified that the XXXX payment had not been made, even though the credit is reflected in my transactions. I immediately made the payment in full. 

On XX/XX/XXXX through my credit monitoring software I was notified that my credit had decreased over 35 points due to a balance decrease from the Citizens Bank credit card for over XXXX of the previous balance ( from {$3800.00} to {$900.00} XXXX. 

When I called the credit card services department on XX/XX/XXXX, the late fee was waived due to the circumstances surrounding the late payment. I was transferred to a supervisor XXXX who spoke down to me like I was a child and recommended credit repair companies for one late payment and a credit limit decrease. When I explained the situation he told me that even though the fee was waived as a courtesy, and even though I have the alerts system set up and was not notified, that a letter was sent to me after I made the payment and the account was up to date in regards to the late payment. 

I was told that the company is not in any way obligated to notify the customer ( other than in the letter ) that the payment is late and that I would not receive any communication in regards to the credit line decrease and that my only option was to have a manual balance increase request done which would add another negative impact to my credit. When asking to speak with another supervisor I was notified that I could but I wouldn't get anyone on the phone as they are busy. 

A letter was sent out in regards to the late payment after the payment was rectified. The letter has not yet been received by me and it is now 4 business days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Amex, you charged me interest even though my auto pay went through successfully and I have it set up to pay the statement balance in full. I'm so sick of fighting with you through these complaint websites. How about you cough up some customer service?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account ... I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX , XXXX   XXXX, Chapter XXXX Bankruptcy 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 2021-06-25
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
On a XXXX report that I, the consumer, XXXX XXXX XXXX, obtained from them, XXXX, dated XX/XX/2021. In reviewing this report, I discovered that XXXX illegally disclosed negative nonpublic personal information publicly to nonaffiliated third parties when they, XXXX reported multiple transactions in relation to bankruptcy case filings to third party consumer reporting agencies Equifax, XXXX, and XXXX  in direct violations of the following : 15 USC 1681 ( a ) ( 4 ), and 15 USC 6802 ( b ) ( 1 ) ( b ) ( c ).

This is in direct violation of I, the consumers right to privacy. At no time have I, the consumer, given XXXX permission to report these private transactions publicly. Additionally, at no time was I, the consumer, given disclosure and opportunity by XXXX Risk Solutions before this information was initially disclosed / reported by them to not disclose this information nor was I, the consumer, given disclosure that I, the consumer, could exercise the nondisclosure option, which I now choose to exercise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/19 I went to the TransUnion website and got my FREE credit report. They asked for my credit card, but there was no information regarding what, when, and how my card will be charged. I simply assumed this was for security reasons. I checked my credit card today ( XX/XX/19 ) and saw a {$25.00} charge from TransUnion. I logged into my TransUnion account and noticed the billing was for a " membership fee '', which was unbeknownst to me. I called the company and explained there was absolutely no language on their website that told me I was going to be charged or for how much. They would offer me no explanation and no refund. I then went to look at reviews for this website and everyone had the same experience - secretive, shady, and no explanation that they were going to be charged. This company / website really needs to be investigated. I will never use them again.

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 2021-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Ive disputed several times to TransUnion, XXXX, and XXXX about XXXX XXXX sent the errors reporting across all three.Payment history on XXXX section is reporting 120 days late and TransUnion is nothing reported, XXXX shows co.XXXX is the only one with a payment date of XXXX.The other two no payment.Also different active date. They just keep updating it with no changes which means they are not even investigating.They are saying this meets the FCRA requirements which is not true.

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 2019-05-23
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:
First, I am a victim of identity theft. On XX/XX/XXXXI sent a notarized personal statement to XXXX XXXX/Executive Office listing all of the fraudulent accounts, inquiry, addresses and employer.On the same date I also sent 3FTC identity theft reports, a police report and a color photo of my driver 's license ( for proof of my identity ). On XX/XX/XXXXI received an Experian credit file. This credit file still shows 2fraudulent addresses ( # 1- XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Tx XXXX / # 2- XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Tx XXXX XXXX ), 6 fraudulent accounts ( # 1 XXXX XXXX XXXX XXXX XXXX / # 2 XXXX XXXX XXXX XXXX XXXX / # 3 XXXX XXXX XXXX # XXXX / # 4 XXXX XXXX/XXXX XXXX # XXXX / # 5 XXXX XXXX XXXX # XXXX / # 6 XXXX XXXX XXXX XXXX XXXX ), 1 fraudulentinquiry ( XXXX XXXX - XX/XX/XXXX ) and 1 fraudulent employer ( XXXX ). Section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days ( today is XX/XX/XXXX ) which means Experian is in violation of the Fair Credit Reporting Act.

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 2021-06-25
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: Information belongs to someone else

Complaint:
I HAVE TRIED TO DISPUTE THE FOLLOWING TWO ACCOUNTS DIRECTLY WITH THE CREDITORS AND 3 CREDIT BUREAUS WITH NO SUCCESS : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE ACCOUNTS ARE COMPLETE FRAUD. I DID NOT OPEN THESE ACCOUNTS AND DID NOT AUTHORIZE ANYONE TO OPEN THESE ACCOUNTS. I HAVE RECIEVED XXXX RESPONSE FROM THE BUREAUS AND CREDITS AFTER MONTHS OF DISPUTING. I HAVE ATTACHED A COPY OF THE ID THEFT AFFIDAVIT PACKET. I PREVIOUSLY SENT THIS SAME PACKET TO THE BUREAUS AND CREDITORS. DELETE THE TWO FRAUD ACCOUNTS IMMEDIATELY!

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 2021-08-13
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: Their investigation did not fix an error on your report

Complaint:
This account that's showing on my report by XXXX XXXX XXXX in the amount of {$1400.00} is not mine, nor do I have any accounts or contracts by this company, EQUIFAX is fraudulently reporting an verifying an account that does not exist.

Company response to consumer: Closed with explanation