BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-26
Company: EQUIFAX, INC.
State: AL
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:
Within the report I saw that there were late installments noted in the record history.Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billinge Fair Credit Billing Act of 1975 ( FCBA. I have tried to fix this problem but transunion ignored my request for proof Pursuant to 15 USC section 611 ( i ) ( 7 ) and section ( 6 ) ( 1 ) ( iii ). I want valid proof attached to this complaint that these account belong to me and how they verified i was late on these accounts under Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
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:
My PayPal account under email XXXX was limited due to a past balance on 2 other accounts that I was not aware of. I immediately paid both accounts upon learning of the balances. The payments were made over a month ago, but my account still remains limited. PayPal continues to refuse to remove the limitation stating that I need to pay the balance. They tell me I have to contact the collection agency that I paid to have them notify PayPal that I've paid. The collection agency tells me I have to contact PayPal. In the middle of all this, PayPal is refusing to remove the limitations on my account despite my providing them proof of full payment of past balances over a month ago. They are holding {$310.00} of my money unlawfully due to these limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
During the pandemic I was looking for a product called peak and my state was on lockdown and could not purchase anywhere due to supply shortage. I found a post on XXXX XXXX XXXX that a seller had the item I wanted listed for {$250.00}. I am new to cashapp so I did not second guess sending him money through there Ive heard of it and its a popular app. The pictures had the sellers name and date attached on his sale post so I thought he was legit. I sent the money and the seller blocks me. I call my bank to make a claim and provide proof of the seller messages, seller pictures of item, and even after a few days I have proof that he scammed other people in the group as well. Im not mad about the money but I feel like my money should be protected especially during a time like this when tensions are high. My bank knowing all the info denied my claim and let the criminal rob me out of my money. Ive never had a problem with Chase bank but I might have to change banks after this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: EQUIFAX, 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:
An account was allegedly opened in my name at an address I didn't live at. Apparently an account was opened XX/XX/2019, at XXXX XXXX XXXX XXXX in XXXX GA. I have never lived there, nor did I authorize this account to be opened in my name or cosign for anyone. 

I keep explaining that I never lived at the said address and the account opened was not opened by me nor did I authorize for it to be opened in my name. No one wants to make the creditor show proof I opened the account. I ask for either a recorded call, an electronic or physical signature where I authorize use of my name to open this account or where I opened the account. Secondly I've owned my house since XX/XX/2019, i got free cable the entire year of XX/XX/2019. I would not need to get cable plus I live at XXXX-XXXX-XXXX-XXXX-ga-XXXX. I was not living at XXXX XXXX XXXX XXXX when this account was opened. I have never lived at XXXX XXXX XXXX XXXX. Everyone is passing the buck instead of producing some for of proof i opened this account. 

XXXX XXXX, XXXX XXXX XXXX and the other major credit reporting agencies are violating my rights and grossly reporting inaccurate information that is adversely impacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: NCB Management Services 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: Account information incorrect

Complaint:
I called XXXX to settle complaint over the phone on or about XX/XX/2023 in reference to my concerns about inaccurate notation on my credit report ; dates in reference to XXXX XXXX XXXX XXXX, CREDITOR, through NBC Mangement Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: Big Picture Loans, LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Took a payday loan out with castle Payday in  XXXX   XXXX   2013  ... there were hidden fees I did n't know about until after . ... Well  now 4 years later I get a call about suing me ... They threatened to serve me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am reporting equifax on their myequifax account services. This is a service to get credit reports and to freeze or unfreeze your credit report. I have had trouble accessing my account since XX/XX/XXXX and have called them numerous time using the number XXXX, which was the number that was shown on their website whenever I tried to login. I eventually escalating my situation on XX/XX/XXXX, however I called a few days after to get a status on it and they said it could take up to a year to get it fixed and there was no time limit on when it will be resolved. I have called numerous time and no one seems to be able to help me, they won't allow me to talk to a supervisor and at this point I am going to sue them if nothing is being resolved. This is very important to me and need this fix now. This is basically preventing me from freezing my credit report and unfreezing it. I have been reading online and I am not the only one dealing with this issue many people are and they are also getting frustrated to the point there might be a class action lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Maximus Education, LLC dba Aidvantage
State: VA
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:
On XX/XX/2023, at XXXX, I contacted Aidvantage via telephone to request a one ( XXXX ) time forbearance for one ( XXXX ) month. The representative was unsure of my request and placed me on hold to consult with another representative. After returning to the call, the representative stated I was unable to do so because it was 30 days before my next due date. I informed the representative I had done this in the past and the information she provided was incorrect. She placed me on hold again to consult with another representative in which she returned to the line and told me I was indeed correct and could so and processed the XXXX time forbearance which generated a new due date of XX/XX/2023 ; however, once I got off the phone and looked back on the Aidvantage system it appears the process was not actually done correctly and the information was not updated in the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: Experian Information Solutions Inc.
State: NJ
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 is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information you provided on the items are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on the items is mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2003 Balance : $ XXXX Late Dates 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 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 sent an XXXX report to XXXX also attached documents, XXXX never responded. I also attached factual errors and they are still reporting the fraudulent account on my consumer reports.

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 2022-09-20
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Mailed XX/XX/22 check for {$270.00} to pay down debt for dental work at XXXX XXXX. Mailed payment to XXXX, Ohio instead of XXXX, Texas collection center to XXXX XXXX Financing with account number on the check. Still have not credited my account with payment even though check cleared my account XX/XX/22. Sent me XX/XX/22 letter on my jy inquiry as to why check not cleared and was told it could not be located in their collection system. When check cleared my personal bank account XX/XX/22, I thought issue was resolved. However, Comenity Capital Bank said my claim was under investigation and it would take up to 90 days to credit my account for {$270.00} subject to interest. Amount still not credited to my account. My bank ( XXXX XXXX ) said they could not provide me with a image of my check because money was withdrawn via electronic transfer. I want the {$270.00} credited to my debt account asdof when it was cleared. Filed with XXXX XXXX XXXX, but told I must wait for Comenity Capital Bank to respond because they are exempt to providing third-party information request.,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-20
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2020-10-21
Company: EQUIFAX, 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:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA & # XXXX ; sXXXX On XX/XX/2020, I mailed Equifax, XXXX   and XXXX  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 response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX To who may interest : I applied for my credit report to buy my first home I am residing in XXXX XXXX since XX/XX/XXXX and I sent evidence of the XXXX boarding pass, also evidence of a XXXX Police Ticket. 
I resided at XXXX XXXX XXXX. XXXX, XXXX. XXXX. I need the following accounts to be investigated and removed from my Credit Report. These accounts belong to another person because I have not applied either in XXXX or in XXXX these two accounts belong to my wife XXXX XXXX XXXX XXXX. 
These are the accounts that have to be removed in the name of XXXX XXXX. 
XXXX XXXX went through the worst catastrophe Hurricane Maria and me and my family need to buy my first safe home and these accounts are affecting me to buy my Safe Home. 

This are the accounts : 1. XXXX XXXX XXXXXXXX {$1700.00} XXXX XXXX XXXX 2.XXXX XXXX {$5900.00} XXXX XXXX XXXX 3 . XXXX {$490.00} XXXX XXXX XXXX .4.XXXX {$350.00} XXXX XXXX   XXXX 5. XXXX XXXX XXXX {$150.00} 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 2018-10-02
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have received numerous phone calls and now a debt collection notice requesting that the cable provider has not been able to obtain the cable equipment in my former home. I have been told that if the equipment is not returned I will be billed {$520.00} and if not paid, my credit will be impacted. This was told to me yesterday ( XX/XX/XXXX) by XXXX at IC System. 

I was divorced effective XX/XX/2017. In the divorce, my husband, XXXX XXXX was awarded the items in our home including the cable equipment. 

In the Decree, I was given no access to the home and my ex husband and I do not speak. I have written to him and asked him to return the equipment but I can not make him do it. He will not cooperate. 


I communicated this to XXXX in XX/XX/2017 with a cc to my lawyer and a copy of my Decree. See letter attached/uploaded. 

Debt collectors tell me they are going to report this to the credit companies and that will damage my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I went to XXXX for a free credit score check. They linked me to XXXX, which supposedly is the only way to get this federally mandated service, bar paying a private company.

I've sent them a message but upon closer inspection it seems the one important part that every employer, bank, loaner, etc can access is not available for my own perusal. Now I'm sure this is all a huge mistake and this super sensible rule of not charging us good people once a year to check a fancy number that rules a large part of our life is still in effect. Feel free to contact me for more information. I mean I'm sure you have all the information on me you could ever want. Like my credit score. Gosh how lucky.

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 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is reporting the wrong addresses on my file. I have never lived at XXXX XXXX XXXX in South Carolina. I HAVE NEVER lived iN South Carolina at all. I have only 2 addresses in the last 30 years. XXXX XXXX XXXX and XXXX XXXXXXXX XXXX in XXXXXXXX XXXX. They are also still reporting the XXXX account but they changed it as " closed ''. this was a fraudulent account that I have filed a police report for and reported to the FTC.

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 2021-05-29
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I received a PRE-ACTIVATED Home Depot credit card. The card was activated by others without my knowledge, consent, or authorization. In my opinion, the pre-activated card presumptuous and deceptive. The pre-activation without the card holder 's knowledge and consent poses a security threat. If I want the card activated, I will do so myself. Any benefits claimed by the card issuer to do out weigh the security risk the pre-activation creates. Is this legal?

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 2020-09-21
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 fraud alerts or security freezes

Complaint:
I need to temporarily unfreeze my credit in order to refinance my mortgage. I had no problem doing so with XXXX  and XXXX  using my login and password and pin information for each. 
However, Experian insists that I send them a letter via USPS with all types of identification information, despite the fact that I have my Pin. All of the information provided by Experian on-line claims that if you have your pin, you can easily unfreeze your credit, but both on-line and over the phone ( using their automated system ) I was denied this ability. In both cases, I was required to provide date of birth, social security information and address, in addition to my pin, but was still denied and told to provide the same comprehensive list of documents by USPS. This is ludicrous. Also, there is no way to reach a real person at Experian. So I have exhausted all of my resources and have nowhere else to turn. 
I am at their mercy, through no fault of my own. If I could " fire '' them, I would and just stay with the other 2 companies, but I have no choice in the matter and no recourse. 
The date of these transactions is 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 non-monetary relief
Consumer complaint received 2020-12-06
Company: REGIONS FINANCIAL CORPORATION
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I paid for an apartment in Colorado through the XXXX XXXX XXXX, which is connected to my Regions Bank account. The scammer sent me a lease which made things seem legit. XXXX being connected to my bank was also reassuring. I sent {$1500.00} for an apartment that did not belong to the scammers. As soon as I realized what was up, I got the local police involved. The police found that the apartment I was trying to rent was owned by someone else in another part of Colorado. They had no idea someone was trying to rent out their place. And now, neither XXXX nor my bank, Regions Bank, have helped me. If XXXX hadn't been connected to my bank, I never would have used it. The banks that partner with XXXX should be held responsible for fraudulent transactions. It's obscene that there is no accountability for XXXX. After I was scammed, I read that I was not the only one. Whole websites have been developed to help people that have been defrauded by the company and by association, their banks.

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