BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2018- XX/XX/2018 someone hacked into my mobile banking app and made XXXX   transfers were made on my account totaling an amount of XXXX . I claim was filed on XX/XX/2018 with Bank of America but there was no resolve.

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 2018-08-28
Company: EQUIFAX, INC.
State: PA
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:
confirmation number XXXX Issue # 1. XXXX hasnt not been corrected. Accounts still show bankruptcy. They were not included in a bankruptcy. So far I have submitted XXXX documents showings accounts paid in full not derogatory. I have also supplied bankruptcy papers showing not included in a bankruptcy. Also XXXX discharge due to disability papers. EVERY TIME I call equifax they tell me they are not going to remove. They have also refused to conference call with the creditor. Now they told me on phone they dont have documents I submitted and will not call any bankruptcy court to verify. They have also sent me letters im being frivolous recently. This improper reporting has cost me many credit card applications and housing since I have so many XXXX  not showing paid as agreed. I have been waiting and fighting a year to be fixed. Fix immediately. Should show 7 to 9 paid in full accounts. No more pending. XXXX refuses to fix immediately after this error has been partially there fault for over a year now. This needs to be rushed now. Im getting economic loss, high interest rates, and lost housing because of false reporting. no more waiting Issue # 2. around XX/XX/XXXX I submitted XXXX credit report to show status of the XXXX and they added XXXX using XXXX credit report. I have since disputed and they told me XXXX  verified account. I have called XXXX and they have not reported to anyone about accounts in my name recently. There should not even be a dispute on my end since it was not correctly added to equfax by using a credit report I gave then from another agency regarding something else. A representative stated that XXXX has always been they since XXXX. there resolve XX/XX/XXXX shouldnt be there since it wasnt correctly reported. A agent stated to me XX/XX/XXXX its always been there. This isnt true. Equifax has failed to give me how it was added in XXXX. I want proof XXXX  initiated adding it recently. If they did not. It needs to be removed. Please equifax dont send me something that is in progress. I have also included in the past another credit reporting agency XXXX  stating all paid in full. Fix this immediately ( yes or no ). 

in this complaint im including. 

1. A recent result for cfpb were XXXX  states accounts were not included in a bankruptcy 2. something from the bankruptcy court stating XXXX were not included 3. A statment from XXXX stating they never reached out recently to equifax 4. A credit report from XXXX and XXXX showing that it wasnt previously on my report until I submitted my XXXX dispute in XXXX to XXXX A XXXX letter stating accounts paid as agreed, paid in full not derogatory

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
These are private loans that XXXX credit services has Been trying to collect, they sent a promissory note with the wrong drivers license, not with my full name, and on the signature part my name is typed. These private student loans that this company is trying to collect on I fraudulent, they were deemed fraudulent by the department of education, they have been removed from my credit bureau three times, this company has failed to validate this debt. I need it removed, besides all the information is wrong, this loan is fraudulent, it is out of the statue of limitations.

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 2019-01-09
Company: Experian Information Solutions Inc.
State: CA
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 credit card included in BK. Should be closed as of XX/XX/XXXX. XXXX loan separate, but on same account. BK Reaffirmation of Debt was on XXXX loan ONLY, not credit card account. Credit card should be closed as of XX/XX/XXXX. All three credit reporting agencies are including the credit card debt in years XX/XX/XXXX and XX/XX/XXXX. Have contacted XXXX to no avail. Please help. 

Thank you

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 2020-05-09
Company: JPMORGAN CHASE & CO.
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:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: CURO Intermediate Holdings
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am completely unaware of this collection agency. I was never notified about an attempt to collect a debt. The debt has not been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
On XX/XX/XXXX, I received a call from MCM Midland Management LLC. I never authorized MCM to contact me, I did not give MCM this cellphone number nor the creditor whom they are trying to collect for. I do NOT wish to receive harassing phone calls to my cell number/phone. 

I repeatedly receives phone calls before XXXX XXXX  and after XXXX XXXX, I receives repeated calls throughout the day, I have asked them to stop calling the cellphone but they continue to call. 

This is a new cell phone number. I did not give MCM this cell number nor gave them authorization to call this cell phone number. 

On XX/XX/XXXX, I asked the Representative where she was calling from '? She played games on the phone not wanting to tell me MCM is Midland Management. When I asked her, " What was MCM contact number ''? She gave me my cell phone number saying it fast so I couldn't understand what numbers she was calling out. Then I realized it was my cellphone number. This is NOT a game. I want the harassing phone calls to STOP. 


MCM can't prove that I own the debt that they care calling about.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I called Transunion explaining how I was one of the victims of their inquiry issue last year. The agent immediately denied my claim after I explained these accounts were none of my doing and she declared them as " fact ''. After being denied to speak to a supervisor on the issue, I asked again to look into my files and to have these negatives items removed from my credit report and was declined to state that she wouldn't do so. All these inquiries appeared on my report XX/XX/2018. 

The inquiries are : 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 2020-06-04
Company: Paypal Holdings, Inc
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Paypal is with holding funds for products that have been sold stating that they are outside of my normal scope of business. 8 transactions for a total of XXXX starting XX/XX/XXXX and going to XX/XX/XXXX so far. From XX/XX/XXXX to XX/XX/XXXX I did XXXX worth of business selling the same products but no hold. There are several weeks just like this going back on and off over 3 years with no hold. Since all these items are sold on XXXX, I contacted them to make sure they had no issue with any of these transactions. Every one of these transactions are cleared with XXXX and are in Funds Status Available. The reasons for the holds being placed by Paypal are directly refuted by my own account with them. The online conversations I've had with them show repeated dishonesty and lack of desire to resolve my issues or explain there actions. I have copies of the conversations. They may have good reason to be with holding money from me, however, the ones being supplied by them to explain there actions are directly refuted by my account. They have no subpoena or government request, so, by my understanding of the law, have no right to with hold money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I filed a complaint with Huntington Bank because XXXX and XXXX charged me {$170.00} on XX/XX/2020 for a canceled transaction. Huntington does not review disputes. They automatically find in favor of merchants committing fraud or other inappropriate consumer practices, in this case charging me for a canceled transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX is not complying with their own policies in a timely manner. I mailed a letter with the date of XX/XX/2021 outlining all incorrect information regarding several accounts on my credit report. Then I followed up with another letter to the credit bureaus that has the date XX/XX/2021. Theres still no final resolution or response regarding the incorrect information that is on my credit report from the credit bureaus. Also another letter was marked XX/XX/2021 to remove inaccurate credit information and I havent received any response regarding the letter marked XX/XX/2021. I see multiple FCRA violations and misleading false information thats being reported from several accounts. Also XXXX and Equifax is sharing false information that is being reported on my credit report. This information is false and also a violation of my character and my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt was brought on a person who stole my indenty I never lived at the address XXXX XXXX XXXX XXXX ca XXXX thats where this account was opened

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-20
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
After several attempts, I like to resolve this with American express themselves I was unsuccessful. Every time I called I was given false promises and it is very well-documented. 


It all began when I realized 4 fraudulent transactions on my American Express credit card, and in accordance with the fear credit billing act and terms and conditions from America express that I am not liable for FRAUD. 

Turns out, after my first call to notify American Express they did indeed give me a temporary credit until they finish investigating. However they reversed it with no explanation. 

I then got numerous letter from American Express that due to the nature of the fraud claim they are unable to help me ( thereby liable to pay it ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: DC
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:
MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT AND REQUESTS.

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 2023-02-20
Company: Experian Information Solutions 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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2021-09-22
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I created PayPal account and I was permanently limited for no apparent reason. I haven't done anything. They just permanently limited me right upon signing up. I don't know why this happened but this is very suspicious. I hope this is not racially motivated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: EQUIFAX, INC.
State: CA
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 been disputing XXXX XXXX for a cosign on my ex husband 's vehicle from 4 plus years ago and now they have updated my payments on a closed account that has been resolved they got the car back voluntary return and they sold the vehicle at auction in XX/XX/XXXX for XXXX XXXX. They say I owe XXXX which is not true now then doing that XX/XX/XXXX lowered my score 97 points .. I have disputed this numerous times and it was supposed to be taken care of along time ago

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: BARCLAYS BANK DELAWARE
State: GA
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 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX XX/XX/2019 XXXX : Social Security Number : XXXX To Whom It May Concern, This letter serves as a formal complaint against Barclays Bank Delaware as they have refused to follow the law by sending validation of debt BEARING MY SIGNATURE. 
I am writing this letter to serve as a form of documented times that I have had to send written disputes request to this company, which this will be the third time. Per the law, when a company is not able to validate a debt bearing ones signature, as per FTC opinion letter from Attorney XXXX XXXX XXXX a printout of a bill or itemized document does not constitute verification ; it is to be completely deleted off of all three credit reports, or it serves as harassment and a form defamation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA 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 2021-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
On XXXX XXXX I mailed notarized disputes to each of the credit bureaus after reviewing my reports and noticing some inaccuracies. It has been 90 days and still no response. In addition I called on today and they claimed to have never received them. I am well aware that by law the bureaus are allotted 30 days to conduct and investigation and respond. It has been triple that amount of time and I feel like that this is a gimmick to prolong and or avoid responding to my disputes. By law these items need to be removed completely! Each of the bureaus have already violated my rights as a consumer. 
I have attached the referenced disputes to this complaint in hopes that this will make this comply with the LAW! I will proceed with litigation if we can not come to a resolution in a reasonable timeframe.

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 2019-02-17
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: Old information reappears or never goes away

Complaint:
I have not applied for any credit. And it shows all XXXX XXXX and credit cards I have not applied for nothing but XXXX XXXX so why is these hard inquiries on 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 2023-03-09
Company: Atlanticus Services 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: Sent card you never applied for

Complaint:
I receirved a Fortiva mastercard that I did not apply for. I had a retail acccount with Fortiva with credit limit of XXXX with balance owed down to XXXX which I have had since XXXX. Than I was sent a Fortiva mastercard with a XXXX dollar limit with APR of 29.9 %. I called the company and I was informed that they sent me an emial on XX/XX/XXXX stating I was being upgraded and if I want to opt out I had 45 days to respond. However, I have kept every email I have from Fortiva and I explaned to them over and over that I did not get that email. I than contacted the corporate office and spoke with XXXX at XXXX XXXX Tues XX/XX/XXXX and informed me that he needs to speak with his legal department. I spoke with XXXX again on XX/XX/XXXX and he informed me that there was nothing they do and refused to switch me back to my retail account. I again told them that I never authorized my retail account to be closed and never authorized a new mastercard account to be opened in my name. I never recieved such email and I asked to send me the orginal email that was sent or an orginal letter that was mailed informing me. Fortiva has been unwillingly to provide this information. I feel like this decepive to me as the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: SYNCHRONY FINANCIAL
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2019, we found out we have a plumbing problem in our home. The company we were using to fix the problem submitted the information to Synchrony Bank which denied us credit. I called them but was unable to get any information as to why we were denied. We already have an open account with a {$6000.00} credit limit but we've been told it can't be used for the work that needs to be done which will cost {$4500.00}. We also have an open CareCredit card that's in use with no late payments. Both are with Synchrony! A letter was written to Synchrony for information as to why we were denied. Their response is confusing! We requested and got our credit reports from XXXX. There's nothing negative on it. We've never been late with our payments. We also have our credit monitored by XXXX XXXX and there's nothing negative with XXXX  or XXXX. Our latest credit scores are 773+. We have copies of the credit report if you need them. I don't want to apply to another company until this is resolved.

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: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
PORTFOLIO RECOVERY ASSOCIATES, LLC - This collection is erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611 THIS MUST BE deleted immediately.

Company response to consumer: Closed with explanation