BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-07
Company: AMERICAN EXPRESS COMPANY
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: Information is missing that should be on the report

Complaint:
XXXX, XXXX and XXXX  inacurrate information caused me to put a id theft report with ftc now none of the bank wil do business with me b/c i filed against thme fair lending act.. XXXX, XXXX XXXX XXXX , XXXX, i could go one for day how is that rithg b/c i have XXXX job and about 720 credit on all three and 8 paid off auto loans

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
USAA sent me a fraud alert on Saturday, XX/XX/XXXX to notify me that someone may have made an unauthorized transaction on my debit card ending in XXXX. Indeed, someone completed an unauthorized transaction on my card at XX/XX/XXXX. The amount was {$160.00}. 

I called USAA on Saturday, XX/XX/XXXX to ask for a new debit card and to report the transaction as fraudulent. On XX/XX/XXXX, the bank emailed me to let me know they had determined the transaction was not fraudulent. This seemed strange to me the bank had just emailed me a day before to let me know of this unusual ( and fraudulent ) transaction, and now they were determining it was authorized? 

To make this transaction even more unusual, an unauthorized transaction was also completed on my credit card on the same day at the same XX/XX/XXXX. ( The dispute for that credit card transaction at the same XX/XX/XXXX has not been resolved yet. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
All three major credit bureaus, XXXX, XXXX, TransUnion. Have refused to erase fraudulent accounts as well as accounts 7 years prior and older on my credit report repeatedly unlawful updating, and refusal to delete after these accounts have not been verified as my accounts. Theyre refusal to identify these fraudulent accounts have brung nothing but hardship on my life after I have done everything by law to dispute these accounts. These fraudulent accounts and 7plus years accounts on my report are as followed : XXXX XXXX XXXX acct # XXXX. XXXX XXXX acct # XXXX. XXXX XXXX XXXX acct # XXXX. XXXX XXXX acct # XXXX. XXXX XXXX XXXX XXXX acct # XXXX. XXXX XXXX XXXX XXXXXXXX acct # XXXX. XXXX XXXX XXXX acct # 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 2021-09-16
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently noticed on all three of my consumer reports that XXXX XXXX is reporting negative remarks that affects my credit score negatively. I sent a request to validate the information they are reporting to the consumer report agencies mid XXXX. On the XXXX of XXXX I received a response from XXXX stating the loan listed was transferred. XXXX XXXX violated 15 USC 1692d ( 1 ), furnishing this negative item on my consumer reports is ruining my reputation, and it is defamation of character.

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 2022-08-09
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
PayPal- {$400.00}. Illegally incarcerated. Then father obtained fraudent Guardianship of me at age XXXX. Purposely to ruin credit and protect his business interest and $ $ in trusts.

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 2020-01-29
Company: Avant Credit Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am suffering from identity theft. Somebody applied for a card in my name. I took the proper steps to dispute it with their internal fraud department, including back-and-forth fax and postal mail correspondence. The account disappeared from my credit reports for a while. Now, it's back, with late fees. Mind you, the ONLY charge on this account, ever, was the annual fee they assessed. Bow, there are late fees and interest accumulating ontop of the annual fee. Their customer service only ever says to email them, which I do, and I get an automated generic thank you response. I had their affidavit signed and notarized twice now. My credit score is severely suffering from a fraudulent account they seem to refuse to help me resolve since four months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
Hi my name is XXXX XXXX and my complaint is against bank of America my wallet was stolen so I called I yo the bank to cancel my card and order a new this is when and how I found out my card was frozen, so I explain my situation and and have edd send over a document verifying who am this is around XXXX ( XXXX ) XXXX I was informed that within 3 business days I should hear back from the bank because by law the have to respond to the identity verification within 24 hrs not until about XXXX second when I called into check and was told that they received t but never processed it???????? Well past 24 hrs I know so the boa rep verifies me over the phone in addition to the notice from Edd And signs me up for a XXXX XXXX of {$290.00} after sending me out a new card so I get my card around the XXXX and on the it's frozen again for my protection without cause I didn't spend a lot of money so I call edd to have them email another verification to boa because I did realize my account was gon na be frozen again without any notice from boa again and for the next weeks I had the edd integrity department verify me several times a day being verified by them each time. Then one night I got an email from boa around XXXX XXXX XXXX saying my funding party had updated my account because somehow boa now had an old address as my current not the one on file with edd and where they sent my card too smh so the edd rep fixed my address where they mailed the id form so I call bank of America to find out what's going on and the rep tells me still no I'd form and nothing has changed in my account so confused and upset I go off on the rep causing her of lying to me so she put my account into a referral state where I had to go into the bank and put some kind of fraud notes my account unknown to me. So I went to the bank with the secondary forms of id my rental lease my debit card and proof of benefits but they ever looked at them so in the bank in front of manager I call verify have edd send over another verification I wait a week to call Boa this time after explaining my situation he verified that the night I got the text about edd updating my account they actually sent a release funds to boa and that same night the agent I accused of lying to me froze my account and put the negative notes in it please pull the recorded calls this agent caused my benefits to get terminated behind her malicious actions and why so any different boa reps completely just lied about my account and never getting Edd 's id verification

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 2021-09-16
Company: MoneyLion Inc.
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX there was a transaction for XXXX and XXXX then on the XXXX XXXX and XXXX totalling XXXX dollars I'm missing that never got put back on

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: EQUIFAX, INC.
State: KY
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:
THERE ARE SEVERAL ALLEGED COLLECTION AND CHARGE OFF ACCOUNTS AS WELL AS UNKNOWN INQUIRIES SHOWING ON MY REPORT TO WHICH I DO NOT RECOGNIZE-PURSUANT TO FCRA 623 AND 604 IM DEMANDING THE REMOVAL OF THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Here we go again! 

Experian just sent me notice that my credit score was decreased again! 

I have already complained about this issue before and it was suppose to be resolved! 

Experian increased my credit score XX/XX/2020 Experian decreased my credit score by 16 points XX/XX/2020 Three months ago Experian decreased my credit score because of inactivity on my credit cards! 

I then charged {$600.00} to XXXX XXXX XXXX! Have made three payments now and there is no record of this transaction on my Credit Report with Experian! XXXX is not even listed as one of my previous creditors! 

Why Do they Keep doing this to me! 

Aren't there laws to cover this issue?

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 2021-09-16
Company: JPMORGAN CHASE & CO.
State: FL
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: Problem getting your free annual credit report

Complaint:
They submitted my credit without my authorization, on XX/XX/2019, which hurts me since it lowers my average score, I appreciate deleting, this application

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have called Equifax numerous times and I was told that these inquiries will be deleted from my credit report. These inquiries are unauthorized and need to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Requested the reporting information be verified and validated to identify the responsible party of this debt. The verification and validation would include identifying information. With accounts such as mobile carriers in order to open an account, the responsible party must be XXXX years old, provide an valid state ID and sign a binding contract. Requested documents did not provide any of that information and the request is being denied and refused. It is important that the requested information is supplied which will accurately prove who is responsible for this account. 

If either party does not want to furnish this information than the reported information must be removed and deleted. 

XXXX supplied a phone bill cycle with different account numbers which does not validate nor verify who this account belongs too. This is not an original signed and dated agreement or contract with the signature of XXXX XXXX and does not contain a valid ID, required to obtain this kind of account. 

All of this is very important because XXXX would have been XXXX years old according to some of the dates already provided in these responses. 

XXXX XXXX & Convergent Outsourcing

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 2020-11-05
Company: JPMORGAN CHASE & CO.
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase and XXXX XXXX have close my accounts with money in them. Iam self employed its hard out here some people checks take longer to clear and the punished me for it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paypal Credit reached out to me several months ago to resolve a credit balance for the synchrony bank account i had prior to losing my job. Due to their timing i was actually able to settle on the account for less than full balance, it was around {$600.00} that i paid to them. 

Now several months later they are calling me again telling me no payments have been received for a long time, despite me already settling this account. 

I would like them to stop calling me asking for payments on a debt i already settled with them.

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 2021-06-08
Company: Nelnet, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Nelnet recently reported my account with them 120 days past due ( XX/XX/XXXX ). My account with them was paid in full bank in XX/XX/XXXX yet the insist on reporting my status as 120 days past due. The loan was paid in full. I have no business with them and haven't in over 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Experian Information Solutions Inc.
State: MD
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 mailed the following context certified mail to Experian on XX/XX/2021... 

I demand Experian to provide me with the names and addresses of original creditors for each account listed below : 1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX 5 ) XXXX XXXX 6 ) XXXX  XXXX XXXX XXXX XXXXXXXX XXXX 7 ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX 8 ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX 9 ) XXXX XXXX XXXX XXXX XXXX If the names and addresses of original creditors for each account listed above can not be provided, PROMPTLY DELETE all items and all tradelines from my consumer file/report in accordance to 15 USC 1681i ( a ) ( 5 ). 

In addition, I demand Experian to produce a contract affidavit between myself and Experian showing I granted Experian permission/lawful authority to furnish items listed above on my consumer report in accordance to federal code 15 USC 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

If a contract between myself and Experian can not be produced, PROMPTLY DELETE all items listed above and all tradelines from my consumer file/report in accordance to 15 USC 1681i ( a ) ( 5 ) Statements Made under Penalty of Perjury Must be answered By Counter-affidavit with Affiant having Personal knowledge of the Facts therein with Documentary Evidence

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 2018-03-26
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: Goodman Frost, PLLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This complaint is against XXXX XXXX and Goodman Frost , PLLC. 

I never received any form of communications from XXXX XXXX regarding this alleged debt but was informed from XXXX XXXX that they had turned it over to the law firm Goodman Frost , PLLC which is in XXXX, Michigan and I was told by XXXX XXXX to contact them to settle the debt. The first I heard of XXXX XXXX was when I contacted the original creditor to negotiate a settlement of the bill on XX/XX/2018. I was told by XXXX XXXX XXXX, XXXX, the original creditor, to contact them regarding settling the bill. I was served the summons and complaint on XX/XX/2018. The summons was not served in a timely manner. The summons was issued on XX/XX/2018, the complaint was dated XX/XX/2018. My address has been the same for more than 3 years and my phone number has been the same for more than 10 years. When I contacted XXXX XXXX law firm, I spoke to a woman named XXXX. Per my phone conversation with XXXX, I requested a settlement amount of {$260.00}. She stated the firm did not have authorization from their client, XXXX XXXX, to settle. This does not sound truthful since they had been given the right to file a lawsuit against me. She was offended and spoke rudely to me when I asked why a {$530.00} alleged debt was being increased to {$560.00} and accused me of " going around and around '' with her, per our conversation. XXXX finally stated it was a {$35.00} filing fee. I went to XXXX XXXX XXXX 's website, it stated that the filing fee was {$25.00} for suits {$600.00} or less. She said she would send me paperwork to sign stating I would pay {$560.00} in monthly payments of {$47.00}. When I received the paperwork, " Conditional Order of Dismissal, '' on XX/XX/2018, the amount had gone up again to {$590.00}, an increase of {$28.00} and stated in this court document that it this was the agreement between the firm and myself, which is not true. XXXX XXXX is not dealing in reasonably or in good faith with me regarding the payment of this alleged debt. There have been no award of fees of any kind ordered by the court in this matter and at this present time, there is no court date for the lawsuit. 
XXXX XXXX did not give me any opportunity to verify the debt, settle the alleged debt, or deny owing the alleged debt. I do have the documentation that I can and will attach it to this complaint. 
I believe there has been several violations of the Fair Debt Collection Practices Act because I received no notification from XXXX XXXX and because the amount of the alleged {$530.00} debt is continuing to increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
This account was previously removed by all three credit agencies XXXX, transunioun and XXXX.There is someone with a similar name as mine and some of there credit items are being reported on my credit report, this item was removed from my report and placed back on my report without my knowledge.I was not notified that this was placed back on my report nor did I received verification or validation that I asked them to send me verifying that this is my account so the account was removed.Then it was later placed back on my report. 
Agency : XXXX XXXX Original creditor : XXXX XXXX XXXX   balanceLXXXX account # 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 2021-09-16
Company: Aargon Agency, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a statement of {$25.00} from a collection company named XXXX billed by XXXX XXXX XXXX. I am only XXXX years old & have never had any bills from this company under my name or social security. I called the company XXXX and they tried to verify my mailing address & asked me if I lived in a different mailing address which I have not so they advised if I had not applied for this company that my identity had most likely been stolen and had to file this dispute.

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 2021-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These inquiries don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of inquiries that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft CAPITAL ONE Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation