BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-16
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
- Last XX/XX/2019, an unknonw user, intentionally or unintentionally, has opened a Paypal account using my owned email XXXX ( together with other personal data I had no visibility at all ) - Then, I received a Paypal email requesting me to confirm my email address for the just created Paypal account, email that I never confirmed. 
- On the following days, I reported Paypal both by phone and by dpo@paypal.com ( Data Protection Office ) email, that I wanted to unlink my email address to the recently opened Paypal account. And I was replied that : 1. It was possible to send paypal money from account whose email has not been verified ( but not receive money ) 2. I can not remove my email from the Paypal account ( I was suggested to open another XXXX account ) or take control of it as the " forgot password '' link requests all the personal data at the time that the account was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Experian Information Solutions Inc.
State: NJ
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:
Hello Im trying to have inaccurate inquiries removed from my report and please dont place any fraud alert im in the middlle of buying a home. I also see that having a fraud alert dosent help. Please remove these all in basically back to back. its several i want tem all removed without a fraud alert XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. XXXX 2 times, XXXX 2 times, XXXX XXXX   please i didnt apply for these 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 2018-11-21
Company: CITIBANK, N.A.
State: WA
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:
We closed our visa card account with Citi Cards on XX/XX/2018. We received a payoff figure from your customer service agent of {$410.00} and closed it that day. We closed it because we didnt want to pay the {$95.00} annual fee, which the customer service rep subtracted from our final payment before closing the account. I spent an hour on the phone resolving this matter However, the next month we were charged again the {$95.00} annual fee, plus interest. Again, I was forced to call your customer service dept to get this reversed, was put on hold multiple times, and spent another 1.3 hours on the phone with your company. I thought we were finally done. 
Still, the emails and phone calls began 28 days later. I called again and thought it was a closed matter. The next month, it began all over again. 

On XX/XX/2018, I called and was put on hold, forwarded to several people and put on hold for a supervisor. Long story short, the supervisor was apologetic and reversed all charges and promised the balance was XXXX. She gave me a reference number of XXXX. 

The emails and daily phone calls have persisted this month and have continued to harass us! 
Please resolve this issue with your accounting department ASAP. 

We will be filing a complaint with the Consumer Protection Agency regarding this matter.

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 2018-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX sent me a letter this past week stating they reviewed my account that I was disputing a late payment that was reporting on my credit report for XX/XX/XXXX. The letter states that they will fix it with the credit reporting agencys to update my credit reports and put this account as accounts that are satisfactory with no late payments. I wish to note I have 2 XXXX XXXX credit cards. I am disputing the account that was opened in XX/XX/XXXX with a {$500.00} credit limit not my other XXXX XXXX account. I received my XXXX  credit report today and the 30 day late payment is still reporting it was supposed to be removed according to the letter from 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 2021-11-09
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:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been patiently waiting on the EQUIFAX response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : 1. XXXX XXXX XXXX XXXX, XXXX- Inquiry Date XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: UNITED SECURITY FINANCIAL
State: LA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified account, XXXX XXXX, is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Improper use of credit. Unauthorized inquiries that I did not consent to

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 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant USDEPTED XXXX {$10000.00} XXXX XXXX {$13000.00}

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 2021-07-16
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am a Chase Privat Client, at least that is what they told me. I got notification tonight that {$26000.00} was taken out of my account. I now have no access to my own account. I have called Chase and waited on hold 2 separate times for 1 hour ( 2 hours and counting ). No one will answer. I have a large business account that I no longer have access to. I need help ASAP. They will not answer the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: Experian Information Solutions 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:
Reviewed my credit report and saw some enquiries that I did not authorize, some of which are reporting two times.

.

XXXX XXXX XXXX Inquiry Date..XX/XX/2017 XXXX Inquiry Date..XX/XX/2017 XXXX XXXX XXXX Inquiry Date..XX/XX/2018 XXXX XXXX XXXX Inquiry Date..XX/XX/2017 XXXX XXXX Inquiry Date..XX/XX/2017 XXXX XXXX Inquiry Date..XX/XX/2017 XXXX XXXX XXXX Inquiry Date..XX/XX/2017 XXXX XXXX XXXX Inquiry Date..XX/XX/2018 XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/2017 XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/2018 XXXX XXXX Inquiry Date..XX/XX/2017 XXXX XXXX Inquiry Date..XX/XX/2017 XXXX Inquiry Date..XX/XX/2017 XXXX Inquiry Date..XX/XX/2017 XXXX Inquiry Date..XX/XX/2018 XXXX   Inquiry Date..XX/XX/2017 XXXX Inquiry Date..XX/XX/2017 XXXX Inquiry Date..XX/XX/2017 XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/2018 XXXX XXXX XXXX Inquiry Date..XX/XX/2017 XXXX Inquiry Date..XX/XX/2017 XXXX XXXX XXXX Inquiry Date..XX/XX/2017 XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/2017 XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/2018 XXXX XXXX Inquiry Date..XX/XX/2017 XXXX XXXX XXXX Inquiry Date..XX/XX/2017 XXXX XXXX XXXX Inquiry Date..XX/XX/2018 XXXX XXXX Inquiry Date..XX/XX/2018 XXXX XXXX XXXX   Inquiry Date..XX/XX/2017 XXXX Inquiry Date..XX/XX/2017

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 2018-12-20
Company: BTH Management
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XXXX XXXX called my work repeatedly and shared personal information with my manager. XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Signed up for XXXX cable TV and internet services on XXXX/XXXX/XXXX. We were quoted a price with a no fee cancellation if cancelled within 30 days. When we receive the first bill, the bill was not what was quoted to my wife and I over the phone. As a result we called XXXX and they were unwilling to resolve our issue. As a result, we cancelled both TV and internet service with in the first 30 days. All equipment was returned within after 28 days. The equipment was returned on XXXX/XXXX/XXXX. to the store at the XXXX XXXX in XXXX CA. XXXX has been attempting to collect {$110.00}. These fees are not owed. Now within less the 90  days, XXXX turned this account over to a debt collection company saying that the account was delinquent. Nothing is owed on this account. I attempted to call XXXX with no success. The overall sales process was fraudulent as not everything was disclosed at the time of sale. When both my wife and I were present and asked questions, noting was every mentioned about extra fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
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: Billing dispute for services

Complaint:
Someone has stole my identity and purchased a 2018 XXXX XXXX with Classic XXXX XXXX in XXXX, TX. The used Bank of America as their autoloan on XXXX XX/XX/2018 in the amount of {$50000.00}. 

I called the Bank of America on XXXX XXXX to dispute this action and they have no done any investigation on this yet. It was said they were going to report this higher and that they will give me a call 48 hrs later on their findings. 

I called the XXXX XXXX XXXX and they have confirmed that this was an identity theft when someone called in their store around a week ago of a person trying to sell this vehicle to them, but they notice that the name of the seller and name of person who owned the vehicle did not match. 

I have taken the steps in FTC to try and resolve these credit issues and fraud attempts. 

XXXX XXXX, I have filed a report to the XXXX Police Department on this. Report # 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 2018-01-30
Company: EQUIFAX, INC.
State: AL
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:
ANY OF THESE ACCOUNTS DOES NOT BELONG TO ME * XXXX XXXX XXXX   XXXX DATE OPEN HIGH LIMIT MONTHLY PAYMENT Individual XX/XX/XXXX {$400.00} {$31.00} $ XXXX-PAYS 61-90 DAYS {$81.00} COMMENTS FIRST PAYMENT NEVER RECEIVED *XXXX XXXX  XXXX Revolving DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE ACCOUNT DESIGNATOR Equifax XX/XX/XXXX {$1000.00} - - XX/XX/XXXX PAYS AS AGREED - Individual COMMENTS ACCOUNT CLOSED AT CONSUMER 'S REQUEST *XXXX XXXX   XXXX Revolving OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE ACCOUNT DESIGNATOR Equifax XX/XX/XXXX {$420.00} - - - PAYS AS AGREED - Individual *XXXX  XXXX Revolving DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE ACCOUNT DESIGNATOR Equifax XX/XX/XXXX {$3000.00} - - XX/XX/XXXX PAYS AS AGREED - Individual *XXXX XXXX Revolving DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE ACCOUNT DESIGNATOR Equifax XX/XX/XXXX {$6000.00} - - XX/XX/XXXX PAYS AS AGREED - Individual COMMENTS ACCOUNT CLOSED AT CONSUMER 'S REQUEST *XXXX XXXX  XXXX XXXX Revolving DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE ACCOUNT DESIGNATOR Equifax XX/XX/XXXX {$9000.00} - - XX/XX/XXXX PAYS AS AGREED - Individual COMMENTS ACCOUNT CLOSED AT CONSUMER 'S REQUEST *XXXX   XXXX Revolving DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE ACCOUNT DESIGNATOR Equifax XX/XX/XXXX {$5000.00} - - XXXX PAYS AS AGREED - Individual COMMENTS ACCOUNT CLOSED DUE TO INACTIVITY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-28
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Equifax, what's wrong? XXXX XXXX and XXXX XXXX I are collecting the same debt from a hospital that I don't know of. How can that be done? 
XXXX XXXX  Case OpenedXX/XX/XXXX ( 2 mos ) ; Account status : Open ; Original Creditor Name : XXXX XXXX XXXX XXXX And then XX/XX/XXXXXXXX XXXX  I Case Opened XX/XX/XXXX ( 1 yr, 11 mos ) ; Account status : Open ; Original Creditor Name : XXXX XXXX XXXX Please Equifax something wrong is going on, all those reports on my credits are all almost false.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-11-09
Company: Tower Loan of Mississippi, Inc.
State: LA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is incorrect and inaccurate reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to TOWER LOAN, but they failed to give me any results or feedbacks about this concern. Please investigate and delete it from my personal credit file. 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 explanation
Consumer complaint received 2018-01-30
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Hello, I am back again to discuss Navient. I have been having problems for a while. My federal loans are on a more affordable monthly payment. However I am having problems with the private. I received a letter yesterday from my federal loans demanding the payment of my entire loan in full. I was confused because i had just started the new lower payment program. I called them and they stated that it was past due but later said i was up to date. He then told me it was my private loans. I spoke to the private loan department last month to discuss some options for repayment. The first person i talked to said that they could not lower the interest rate under 7. Her manger then told me he could get it to 1 but for only a short time then it would go back up. Then he presented me with a payment plan that would have been automatic and had other information about the plan he could not email me in writing. They wanted me to listen to a voice automation that was talking so fast that i did not feel comfortable agreeing with the terms. he told me to just keep replaying until you understand!!! I was taught to read before you sign. He made it seem like it was an offer I had to take or would lose it. He kept telling me that he could not email me the document. I cant get anywhere with the private loan side. I would like from them to send me copies of all of my history. I would like to see the original document i signed at XXXX XXXX. I also would like to receive the document with that payment plan that they could not provide. I strongly felt bullied in that situation. I would like for them to send me the correct info. Are they going to help with my private or are they demanding the money i dont have, and cant borrow. They stopped taking credit card payments but even still at this current time i cant give them the full. My salary is just as much as my loan. I cant switch careers because its hard finding a Job as is. I have been paying on my loan for since 2009 and i just started having issues. 8 years of payments and my loan has gone up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: MRS BPO, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
They do not have the identity of the original creator. They do not have the license in the state of Florida, and they have not given me my license numbers and registered agent. And we have already send two letters to take away the negative account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: Account Resolution Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been trying to establish credit and keep getting denied. I finally created an account on XXXX XXXX and discovered a debt of {$410.00} being collected by Account Resolution Corp on behalf of XXXX. I called the company because I was confused. I spoke with a lady who told me I visited a XXXX doctor in XXXX of XXXX. I did not visit a XXXX  doctor in XXXX because I live in Texas and in XX/XX/XXXX I was still a minor. This is not my debt. When I called the company she even said my mother 's name was tied to the debt and asked for my mother 's information which my mother refused to give. We have lived in Texas since XXXX. I did not and have never visited XXXX. When I did reside in XXXX XXXX, my doctor was XXXX XXXX of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Pendrick Capital Partners Holding, LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This account was removed due to reporting unveriable and inaccurate they re-sold the account and re-inserted back on my credit report. 

First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their company ANYTHING and thats why they cant validate these debts. 

Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. 

Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to.

Company response to consumer: Closed with explanation