BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX, XXXX is attempting to collect an incorrect debt amount by XXXX  and XXXX. The agency bought a debt from Citizens Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX XXXX I purchased online goods from XXXX. I returned the goods via XXXX XXXX XXXX and XXXX on XX/XX/XXXX. XXXX confirmed they received the returns and completely refunded PayPal XX/XX/XXXX. I did not get the PayPal refund so I disputed the billed amounts with PayPal and my credit card, XXXX 's of Delaware. Months later, I still have not received refunds despite sending PayPal and XXXX 's extensive proof including XXXX ' refund receipts dated XX/XX/XXXX complete with PayPal transaction numbers and original transaction data ( attached here ). However, what has happened is : PayPal repeatedly telling me via text and by phone that XXXX 's has the priority to handle the dispute. XXXX sending me a letter saying that PayPal is to handle the dispute. XXXX sending me a letter telling me they can not proceed with the dispute because the seller had a no return XXXX this is even though XXXX XXXX returns and they have confirmed the return and the refunds to me. The XXXX receipts I forwarded to PayPal and XXXX 's included PayPal refund transaction numbers XXXX and XXXX. PayPal has most recently told me ( supervisor XXXX # XXXX that those transaction numbers- even though it is on a refund receipt refer to the original purchase and not the refund. The supervisor XXXX told me to go back to XXXX who has repeatedly told me they refunded me on XX/XX/XXXX with the exact time as shown on the attached receipts ) If PayPal sees a refund receipt from a seller with only an original purchase transaction number why don't they become alarmed and support their customer/me and follow up with the seller to see where the refund might be/concerned about an error? As you all know, a credit card is ultimately charged for PayPal purchases. One has to wonder how many people do not notice they do not get their refund, or do not have the time and skills to follow-through with untangling this type of issue and horrific and confusing customer service. One has to wonder how many other people are having this happen when they pay for goods through PayPal, believing that their transaction and eventual return and any dispute happens safer and more seamlessly, compared to buying with simply their credit card. This inefficiency brings broad and large consumer hardship I am sure. It feels like complete irresponsibility and theft. While I have lots of proof, to avoid your being overwhelmed, I am including the most meaningful claim and complaint evidence. 1. Copies of the XXXX XXXX refund receipts including the PayPal transaction numbers for the receipts XXXX of many communications from PayPal saying XXXX is XXXX charge of the dispute XXXX. XXXX from XXXX 's saying PayPal is in charge of the dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-24
Company: ENOVA INTERNATIONAL, 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 status incorrect

Complaint:
On XXXX a was given an option to settle the account off by XX/XX/2018 in the amount of XXXX by agency who collects the money for XXXX  XXXX ( XXXX XXXX ) so I paid the settlement before the set date on XX/XX/2018 in the amount specified. I have Proof of the option to settle by them I have proof that I pay them, and I have an email from XXXX XXXX that I have a XXXX balance. Now their still reporting to the credit bureau that I have an open balance of XXXX when it should say that the balance was settled in full and have a XXXX balance. I have all document that proof everything I stated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX, XXXX  and Transunion are reporting incorrect information on my credit report. The credit bureaus are not sending me any verification of any of these debts belonging to me. I recently just disputed these items listed below, and asked for proof of these accounts belonging to me but have not received any verification of me having any contract with any of these creditors. 

XXXX  XXXX XXXX XXXX- {$1500.00} XXXX XXXX/XXXX XXXX- {$1100.00} XXXX/XXXX XXXX XXXX- {$0.00} XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- type debt buyer XXXX/XXXX  XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have noticed UNAUTHORIZED inquiries on my report or I noticed someone applied for something in my name. According to the FCRA ( Fair Credit Reporting ACT ), legally these UNVERIFIED & UNAUTHORIZED items MUST be REMOVED!! Below is a list of all of the accounts and the dates at which they where UNAUTHORIZED. 

XXXXXX/XX/XXXX XX/XX/2020XX/XX/XXXXXX/XX/2020XX/XX/XXXXXX/XX/2020XX/XX/XXXX XX/XX/2020XX/XX/XXXX XX/XX/2020XX/XX/XXXXXX/XX/2020 XX/XX/XXXXXX/XX/2020

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 2019-03-18
Company: Navient Solutions, LLC.
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
To whom it may concern I have obtain these student loans during the time when I was younger, just leaving my parents home and thought I could take over the world. As a result of poor judgement and miss leading information from my loan lender, Navient, It has lead me to filing bankruptcy three time and little to no options in a way of survival for me and my household. 

I'd call the student loan provider and ask them to give option on what to do if you are on a fixed monthly payment would be with the longest extended repayment program, which is up to 25yrs. Standard payment plan for student loans is 25yrs to 30 years brings the payment well over XXXX per month. That is something that I can never afford. 

Going to school, getting a great job and obtaining home ownership is the American dream. But for me currently it is unobtainable. I have recently read about the lawsuit that Navient was in and I too would like to be added like many others to the list to have my loans removed from my credit bureau and be free of the monster of student loans. Over XXXX of my students loans are with this company and many like it that have preyed on the weak just to get an education. 

I have a high debt ratios due to student loans, deferred student loans are not factored into your DTI, you do not have waiting periods after a bankruptcy. However, you will need a min. of 640 scores, you will need a higher down payment, and your DTI must be on point. Which I don't have. Many employers look at your credit in order to give you employment. And since I don't have that either it is a win win situation for me. 

I would like to petition to have my student loans removed, deleted and permanently take off my credit. My life would be so much manageable where I can build a better life for my family and live the American dream. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: Experian Information Solutions Inc.
State: NY
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:
Letters were sent to all 3 credit bureau 's over 30 days ago and we have not received a response yet.

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 2020-09-15
Company: Radius Global Solutions LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Have received letters from company trying to collect on a debt that was written off by the original creditor. Each letter states a different balance on the amount owed. When checking my credit report this account does not show up and it tells me that the account has fallen off. While researching online i have found out that this company tries to get you to agree that you owe the debt and they will accept a smaller amount to settle.

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 2018-08-24
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

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. 

I am requesting that the following account be verified or removed immediately. 

UNKNOWN US BKPT CT AR LITTLE R Date Filed XX/XX/2016 Type Bankruptcy chapter XXXX-discharged Reference XXXX Plaintiff

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 2020-11-12
Company: CBC Companies, Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Have tried both numbers for Factual Data and they can not tell me whom these Hard inquiries are for that only I would know that info. I have asked around and they seem to be able to report this for just about anything at will. Asking they be removed now not 2 years from my account or proof of what these are for. 

FACTUAL DATA XXXX : XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX Institution Information FACTUAL DATA XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- FACTUAL DATA Inquiry : XX/XX/XXXXCredit Union ( XXXX ) XXXX Institution Information FACTUAL DATA XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: EQUIFAX, INC.
State: MS
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:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: FIRST HAWAIIAN, INC.
State: GU
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: Overcharged for something you did purchase with the card

Complaint:
I was overcharged XXXX dollars on a purchase at XXXX XXXX XXXX. Total amount is XXXX. My actual purchase was XXXX. I purchased a drink, snack, and a plastic bowl. As i explained to first hawaiian bank i misplaced the receipt. This happed XX/XX/2019 I contacted my credit card company and the merchant. Credit card company says they can not assist me without a receipt. The card company fhb can be reached at XXXX. The sent me a dispute resolution letter saying i have to pay for the charges

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
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:
In XX/XX/XXXX I realized that I had become a victim of identity theft and so I reached out to the proper authorities and filed an identity theft report. I then began to dispute these accounts that I did not open off my credit report. I reached out to the 3 main credit bureaus and they still are not respecting and following the Federal laws that are in place to protect consumers. They are deliberately failing to follow the guidelines of the FCRA 605b which states that if a person sends documents from federal or state departments of an identity theft report then the agency must block the information from the credit profile. With my numerous attempts to get XXXX Experian, and XXXX XXXX to follow the law, they clearly feel as though the law does not apply to them when it comes to victims of identity theft. The following accounts are accounts that were not opened by me and I ask respectfully for them to be removed from my credit report : XXXX XXXX Account # XXXX Balance {$560.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account # XXXX Balance {$17.00} Opened XX/XX/XXXX XXXX XXXX XXXX   XXXX Account XXXX XXXX Balance {$74.00} Opened XX/XX/XXXX XXXX   XXXX XXXX Account XXXX XXXX Balance {$360.00} Opened XX/XX/XXXX XXXX   XXXX XXXX Account XXXX XXXX Balance {$360.00} Opened XX/XX/XXXX XXXX XXXX XXXX Account # XXXX Balance {$210.00} Opened XX/XX/XXXX XXXX XXXX XXXX Account # XXXX Balance {$1200.00} Opened XX/XX/XXXX There were also inquiries that were made on my credit report without my permission and those are listed as follows : XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2021-06-09
Company: SUN LOAN COMPANY 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: Account information incorrect

Complaint:
I am writing this complaint in regards to disputes that were sent over 45 days ago regarding inaccurate and erroneous information reporting on my credit file. These disputes were sent to XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. 

They all have failed to respond and comply with my request under the FDCPA and FCRA laws. I am very disappointed at their lack of effort to investigate this matter. I understand and are aware of my rights to request another investigation, however I do not have another 30 days to spare for investigative results. 

I am in the process of moving, and I have to find a place within two weeks and this is really affecting my ability to get approved for a home loan and even a rental apartment. 

If you can expedite this request to look into this matter for me, I would really appreciate it. 

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Experian Information Solutions Inc.
State: IN
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:
I have sent two disputes to Experian, most recent one being XX/XX/2018, regarding inaccurate name and address appearing on my credit report. I have never lived at that address nor gone by that name. I have been told that since name is attached to tradelines it can not be removed. I have contacted these tradelines and they do not have the name associated with my account so I have exhausted all avenues in regards to getting inaccurate name and address removed. The address and name does not belong to me. I have even provided a copy of my drivers license for verification and they still refuse to remove the inaccurate information. Just because it " appears '' on tradelines does not make it accurate. Below are the items that do not belong to me that they continue to report illegally : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, IN 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 2019-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In XX/XX/XXXX I realized that I had become a victim of identity theft and so I reached out to the proper authorities and filed an identity theft report. I then began to dispute these accounts that I did not open off my credit report. I reached out to the 3 main credit bureaus and they still are not respecting and following the Federal laws that are in place to protect consumers. They are deliberately failing to follow the guidelines of the FCRA 605b which states that if a person sends documents from federal or state departments of an identity theft report then the agency must block the information from the credit profile. With my numerous attempts to get XXXX, XXXX, and Trans Union to follow the law, they clearly feel as though the law does not apply to them when it comes to victims of identity theft. The following accounts are accounts that were not opened by me and I ask respectfully for them to be removed from my credit report : XXXX XXXX Account # XXXX Balance {$560.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account # XXXX Balance {$17.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Balance {$74.00} Opened XX/XX/XXXX XXXX XXXX XXXX  Account XXXX XXXX Balance {$360.00} Opened XX/XX/XXXX XXXX XXXX XXXX   Account XXXX XXXX Balance {$360.00} Opened XX/XX/XXXX XXXX XXXX XXXX Account # XXXX Balance {$210.00} Opened XX/XX/XXXX XXXX XXXX  XXXX Account # XXXX Balance {$1200.00} Opened XX/XX/XXXX There were also inquiries that were made on my credit report without my permission and those are listed as follows : XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2023-06-08
Company: Aargon Agency, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My locker at work was broken into and my personal information was stolen. I filed a police report to dispute this unauthorized fraudulent account which was opened in my name without my consent. I never had a XXXX XXXX account ever to even accumulate a debt.

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 2021-09-21
Company: GreenSky, 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 status incorrect

Complaint:
I have contacted Green Sky on multiple occasions about them reporting a charge-off on my credit report when there was never even a late payment. I had a joint account with my mother for a Green Sky home improvement loan. My mother filed for bankruptcy a year after getting the loan but I continued to make monthly payments on time. When Green Sky decided to report the loan to XXXX, they reported it as a charge-off while providing payment history of uninterrupted timely payments. When I called Green Sky, they told me that the charge-off is reported regardless of me making monthly on-time payments. For an account to be a charge-off it has to be delinquent for at least 120 days, of which is not the case here. However, it is a violation of the FCRA to knowingly report false information to credit bureaus. Green Sky called me to fix the issue, admitting it was an error but they had to consult a manager to fix it. The supervisor I spoke with never called me back.

Company response to consumer: Closed with explanation