BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-05
Company: CITIBANK, N.A.
State: AL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a set of headlights from a gentleman in XXXX for {$4800.00} on XX/XX/2020, using my Citi credit card through XXXX. When the lights arrived, one was damaged. I was unable to receive compensation for the damage from the seller, so I disputed half of the amount with Citi. I was awarded the disputed half at {$2400.00} ; however, the remaining {$2400.00} ( the full payment balance ) was also pulled from the vendor by XXXX and never returned to either the vendor nor myself. I have contacted Citi and XXXX at length, and have been told repeatedly by Citi that only half was disputed the half and they have no control over the other half, and by XXXX that the full amount was pulled from the vendor and returned to Citi. Citi needs to work with XXXX to determine where that other half of the money is, because as of right now, 9 months later, neither party has that {$2400.00}

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 2021-10-30
Company: Experian Information Solutions 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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2021-10-30
Company: Diversified Adjustment Service, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
DIVERSIFIED ADJUSTMENT is in Violation of the Fair Credit Reporting Act law. They continue to inaccurately report on my Consumer File. They are reporting to XXXX blank entries with no status. This kind of reporting is misleading and inaccurate. Their negative reporting is depriving me of my rights that comes with having good Credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
today XX/XX/2021 i called wells Fargo about a dispute transaction but they informed me the debit card was being revoked for my protection it is funded but im still allowed to use my checking account to pay bills but they didn't know that i had a debit saving card as soon as I told they deactivat6 it as i said they told me my debit card and debit saving card are revoked for 12 months for my protection.

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 2018-01-24
Company: ERC
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: Old information reappears or never goes away

Complaint:
I had a discrepancy on my report 2 times by XXXX. I stated it was n't mine and it was removed both times. Now it has shown up for a third time on XX/XX/18 for around {$1300.00}. This is not my debt but it keeps showing up after it 's been challenged and removed two times and has shown up for a third. This has damaged my credit severely and I want it to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2021, XXXX XXXX XXXX sent me a verification letter after I complained about them trying to collect a debt that is not mine on the Consumer Financial Protection Bureau website. Even my name and address are inaccurate on the letter. Please check the attached files. I have not given XXXX XXXX XXXX written consent to collect a debt. I have not signed a document to pay XXXX XXXX XXXX. Ask XXXX XXXX XXXX to provide proof of written consent that I agree to payingXXXX XXXX XXXX. I have not given XXXX XXXX XXXX my social security number. I am providing my birth certificate to show my full name. I am providing my utility bill for proof of address. XXXX XXXX XXXX has violated several laws listed by the FEDERAL TRADE COMMISION. The Fair Debt Collections Practices Act, LAWS have been broken by XXXX XXXX XXXX. 15 USC 1692 subsection 804, subsection 805, subsection 806, subsection 807, subsection 808, subsection 809 and subsection 812.

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 2021-08-05
Company: CITIBANK, N.A.
State: NY
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/2021 and XX/XX/2021, I was charged additional fees on my credit card of XXXX and XXXX respectively. I have recurrent payments of XXXX that are debited every month from my bank account to pay on my Citibank cc which I agreed to. I never agreed to any additional fees or payments and I've contacted Citibank about this matter. I find this issue to be very disturbing.

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 2020-02-21
Company: Fay Servicing, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
this is for faye servicing fayeservicing.com and i want this complaint submitted to them. please dont tell me you cant find them that is their website. My loan which is 5 months behind was being reviewed for forebearance. It was transferred XXXX and i knew the one size fits all would happen. I asked XXXX XXXX  from where it transferred to speak to these people at faye that i had shown preliminary evidence of being able to repay what i owe. I tried calling XXXX XXXX i get spontaneously disconnected when i try to do so. on XXXX when i came home there was a letter posted to my door by a property inspector. Please note XXXX did not even send me a letter of acceleration because i was undergoing a review. And its looking good. Despite that someone i am not sure who but likely FAYE servicing fayeservicing.com called a proeprty inspector and they will likely TRY to bill my account for this which i will fight. I want the REView for forebearance to continue.

I want individualized help and a contact i can reach at faye to continue hat we were doing at XXXX. NO property inspections please Not needed. Not wanted And the inspector said my home was vacant which its not. clearly and XXXX knew that. HELP HELP HELP No one size fits all which is why i asked XXXX XXXX to reach out to them for me. in antiipation to avoid all this ANY CALLS SHOULD ONLY BE AFTER XXXX eastern please no one size fits all please please check with WF as to where i was in the review process and continue not send property inspectors to my house not needed. i will pay no fees. i have rights which i will protect no XXXX XXXX thank you maam. please i did not want my loan transferred

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have been using PayPal for over 10 years and suddenly they are emailing me saying I can no longer do buisness with them and that I have violated their terms. In the email they sent they did not specify what terms I have violated as I use PayPal to recieve money through selling products on Stock X and I use it to pay some subscriptions such as XXXX and XXXX eats and sometimes to purchase products, nothing illegal or fraudulent. I do not use my PayPal for any thing other than those that I have stated and they have not explained to me the reason why they say I can not do buisness with them. This is frustrating as I use it to make extra income please get back to me thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Georgia Student Finance Authority
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:
I filed Chapter XXXX bankruptcy in XX/XX/XXXX. Georgia Student Finance Commission was listed as a creditor on the bankruptcy. However, GSFC continue to report negatively during the bankruptcy proceedings. On XX/XX/XXXX, the Chapter XXXX bankruptcy was discharged without contest from creditors. I have consistently contacted XXXX, XXXX, and XXXX, plus GSFC, disputing the the discharged debt. XXXX dispute came back as the debt will remain, Transunion continues report the debt, GSFC continues to report the debt negatively on my report knowing the debt has been discharged. I have reached out to the Vice President, XXXX XXXX, of GSFC to inform her of the bankruptcy discharged and presented all court documents. Her response was that GSFC lawyers informed her that the debt was not discharged which the evidenced shows the creditor is listed and the debt is discharged on page 3 of 5 of creditor report listing GSFC discharged on XX/XX/XXXX. I feel that I have exhausted all efforts with the creditor. As I read the reviews of other patrons of this finance company, they have shared the same experiences with this company. I have attached copies of the bankruptcy discharge report, trustee notes, creditor report.

Company response to consumer: Untimely response
Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
State: AR
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: Didn't receive services that were advertised

Complaint:
In accordance with the Fair Credit reporting act. XXXX  account # has 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 an account without my written instruction. 

XXXX XXXX XXXX {$900.00}, XXXX XXXX XXXX {$900.00}, XXXX XXXX {$600.00}, XXXX XXXX {$19000.00} XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX XXXX {$2400.00},

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 2022-02-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX. I have never had an account with these company, JPMCB CARD with Account Number : XXXX, REMOVE from all credit reporting agencies that's reporting. 

XXXX. " Consumer '' means any natural person obligated or allegedly obligated to pay any debt. According to 15 U S Code 1692a ( 3 ) 3. This letter is pursuing 15 U S Code 1692c ( C ) Ceasing communication 4. I am the " consumer '' mentioned in 15 U S Code 1692a ( 3 ) You are JPMCB CARD, the debt collector 15 U S Code 1692a ( 5 ) I am invoking specified remedies under U S Code 15 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to U S Code 1692 ( c ) ( 1 ) 5. I am the executor under 15 U S Code 1692c ( d ) pursing to 15 U S Code 1962d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6. According to 15 U.S Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7. 15 U S Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 

8. As mentioned in 15 U S Code 1692f Unfair practices ( 8 ) 9. While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10. 15 US Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of- ( 1 ) ( 2 ) ( A ) ( B ) ( 3 )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company called Portfolio Recovery calls my phone number constantly for my ex husband who hasnt lived here in over 7 years. Portfolio Recovery is a Debt Collection agency. I keep blocking their number but they call back from different numbers leaving a computer generated message. I have never spoken to them. They have been calling for years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-30
Company: MoneyLion 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:
On XX/XX/XXXX and XX/XX/XXXX, I was a victim of fraudulent activity when someone took out 2 loans under Moneylion using my information. The loans were for the amounts of {$930.00} and {$930.00}. I immediately reached out to the company to dispute these loans and report them as fraudulent. The company claimed to have closed the loans but these loans still show up as unpaid and not closed, which is affecting my overall credit. After, I was unable to get Moneylion to resolve this issue, I contacted XXXX to dispute these loans through them. XXXX was not able to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: Experian Information Solutions Inc.
State: PA
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:
Dear EXPERIAN : I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly DELETE!! 

XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX   XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX XXXX   Inquiry Made : XX/XX/XXXX XXXX Inquiry Made : XXXX XXXX, XXXX XXXX XXXX Inquiry Made : XXXX XXXX, XXXX XXXX Inquiry Made : XXXX XXXX, XXXX XXXX XXXX Inquiry Made : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Made : XXXX XXXX, XXXX XXXX Inquiry Made : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Made : XXXX XXXX, XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX Inquiry Made : XX/XX/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 2018-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 contacted Transunion on XX/XX/2017in regards to inquiries that appeared on my credit report and notified representative that i was a victim of their inquiry issue. Representative assured me that i was not affected by this issue but i was affected. My credit score dropped drastically and has affected me financially. This is my last resort in trying to repair my report and return it to where it was. Your attention on this matter will be very appreciated.

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 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2021, XXXX XXXX XXXX sent me a verification letter after I complained about them trying to collect a debt that is not mine on the Consumer Financial Protection Bureau website. Even my name and address are inaccurate on the letter. Please check the attached files. I have not given XXXX XXXX XXXX written consent to collect a debt. I have not signed a document to pay XXXX XXXX XXXX. Ask XXXX XXXX XXXX to provide proof of written consent that I agree to payingXXXX XXXX XXXX. I have not given XXXX XXXX XXXX my social security number. I am providing my birth certificate to show my full name. I am providing my utility bill for proof of address. XXXX XXXX XXXX has violated several laws listed by the FEDERAL TRADE COMMISION. The Fair Debt Collections Practices Act, LAWS have been broken by XXXX XXXX XXXX. 15 USC 1692 subsection 804, subsection 805, subsection 806, subsection 807, subsection 808, subsection 809 and subsection 812.

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 2021-03-25
Company: Experian Information Solutions Inc.
State: KS
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:
As noted the CFPB is aware of the Capital One issue, and how I did not consent to the opening of the card and in essence was hoodwinked by the salesperson which is a violation of the UDAP, under both Federal and kansas state law, therefore none of the three credit reporting issues should be reporting the XXXX/XXXX XXXX XXXX account as its not accurate, its unfair and deceptive and illegal. THis and the inquiry on XXXX need to be removed. The tradeline must be removed from XXXX, Experian and 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 2018-01-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I received documentation from XXXX XXXX offering to refi my XXXX for a lower interest rate. After I spoke with a representative it was obvious that they could not beat the rate I currently have so I declined the offer. I did expect ONE hard credit pull for this transaction, but there are THREE-two of which I do not recognize nor did I approve.

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