BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-26
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
My experian credit report lists two potentially negative issues. 

( 1 ) A debt to XXXX XXXX company that XXXX submitted to XXXX XXXX XXXX XXXX XXXX. I initially did not pay XXXX because they were billing me {$680.00} instead of {$380.00}. I contacted XXXX about this discrepency and they indicated that they would get back to me ; they never did. Instead, they gave my bill to the XXXX XXXX XXXX XXXX XXXX. I was still not able to resolve the discrepency in the amount owed, and only after submitting a complaint to the CFPB was the balance due adjusted to {$380.00}, at which point I paid the bill in full. However, by the time I was able to get the amount due adjusted, several months elapsed. I was never notified that an investigation was underway by experian or of the negative results of their investigation. 

( 2 ) Experian lists on my credit file an issue with XXXX XXXX XXXX that is potentially negative. The account was always paid on time, never late, and was voluntarily closed by me. This should not be listed as negative.

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 2021-11-28
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received notification from Venmo on Friday night via text message with an access code. I did not sign up for Venmo. I went to the website and saw that I could log in with my phone number ( XXXX XXXX XXXX ), even though I never signed up. The email address on the Venmo account I did not recognize. When I contacted Venmo they made me submit documentation to prove the number was mine I submitted screenshot from the XXXX app and my XXXX setting to clearly evidence the number was mine. They responded today stating they could not remove the number and someone would contact me in a few days My number is being used by someone other than me for money services and Venmo has done nothing to address it despite multiple attempts. They also do not have weekend hours to address identify fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2018 I happened to check my account via my phone and discovered I was {$350.00} overdrawn. There were XXXX {$34.00} overdraft charges and in the middle was a charge of {$200.00}. 
However over the course of the day on XX/XX/XXXX XXXX made a number of transactions as I was notified via text messages from Chase about my personal account XXXX. Every notice of overdraft re : XXXX I transferred money from my business account XXXX. 

My Chase text messages* show I had money to transfer and purchase. Then in the middle was placed a {$200.00} charge that was not there as I made those transactions. It was not a pending charge it just showed up and I began to incur overdraft charges. 

XX/XX/XXXX {$13.00} Purchase XX/XX/XXXX {$70.00} Transfer to XX/XX/XXXX {$5.00} Transfer XX/XX/XXXX {$5.00} Transfer XX/XX/XXXX {$7.00} purchase XX/XX/XXXX XXXX purchase XX/XX/XXXX {$200.00} Charge ( This purchase was made XX/XX/XXXX, but I couldnt find a trace of the transaction in my XXXX. However the bank XXXX could. How can he have more access to my accounts than I me? ) XX/XX/XXXX {$200.00} Deposit ( I deposited money to cover the {$200.00} purchase ) XX/XX/XXXX Visit XXXX XXXX XX/XX/XXXX Overdraft cancelled XX/XX/XXXX XXXX purchase XX/XX/XXXX {$15.00} extended overdraft fee Currently there are ( XXXX ) {$34.00} overdraft charges, XXXX was removed, which I specifically requested all charges be removed. The XXXX branch XXXX said he couldnt do it, he was not allowed and told me he submitted a request that I be contacted. 

He said I would hear from them by Thursday. 
I am requesting the removal of the ( 5 ) {$34.00} overdraft charges and the ( 1 ) Extended Overdraft fee leaving me {$9.00}. 

I have yet to speak directly with a Complaint representative. He called and left a voice message. I called back and informed him when the best time to reach me and if I could have an address or email address so I could send him this document. 

Instead he called back during the hours I work and didnt leave the information I requested. I have a personal and business account with Chase and would appreciate this issue be addressed by someone who cares about customers. 

The way that the system charged me almost {$200.00} in bank fees is unreasonable. Im sure this has happened to others and is why the Consumer Financial Protection Bureau was created. 

Its the principle at this point. I am asking that someone help me with this issue. 


*CHASE TEXT MESSAGES Chase acct XXXX bal $ XXXX as of XX/XX/2018 XXXX AM EST was below your {$50.00} limit. 
To trnsfr from XXXX, bal {$100.00}, reply T, space, amt : e.g. T XXXX XXXX acct XXXX was overdrawn by {$67.00} on XX/XX/2018 XXXX AM EST. 
To trnsfr from XXXX bal {$100.00}, reply XXXX, space, amt : e.g. XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-13
Company: Medical Data Systems, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled my credit and found these bigus accounts being entered on my credit hurting my credit rating. I was never sent any notifucation of these said debts - two so called accounts, right to dispute or any tatements or written communication. I disputed with the credit bureaus and they verifued it. I wrote to dispute the letter and demand investigation and proof of validity and evidence of this debt. This was ignored. I have been on medicare with medicaid as well. This covers all of my medical costs. I have no knowledge of what these are supposed to be from or for, but all my medical costs have been covered. They refuse to send me any proof such as my signed treatment consent, signature on responsibility for this, accounting of what was charged nor psymens received and insurance paid. I do not owe any medical provider, service or hospital.

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 2022-04-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, I have been trying to removed these companies I have no idea about how I owe them money. They are updating wrong information on my account like I just opened an account. It is frustrating to see how your name got attached to things you have clue about. I asked them to send me proof they are sending statements. Which is totally wrong information. Things I have no clue about. Please look into my account. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
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: Investigation took more than 30 days

Complaint:
I have reviewed a copy of my credit report and I show company XXXX XXXX AUDIT ( Original Creditor : XXXX XXXX ) account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2023-06-08
Company: CENTRAL BANCOMPANY, INC
State: IA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
On XX/XX/XXXX my XXXX XXXX XXXX was repossessed. I have not been contacted by the bank for any " missed '' payments. I contacted the bank right away and was told the last couple of months i have made partial or no payments ( i have bank statements and proof of withdrawal from my bank that the full payments were made ) The Central Bank XXXX XXXX XXXX who owns the lease then stated they would not have information about how much to regain ownership of the vehicle or where the vehicle was located for 48 hours but i would be responsible for tow storage fees. I contacted the bank again on XXXX again for information and the phones were down for hours and I couldn't get in contact until about XXXX where I spoke to someone at the branch who said someone would reach out to me and nobody did. on XXXX i got ahold of the right department and was told the vehicle would be the full residual balance to get the vehicle back of {$15000.00}. i was told there were missed payments from XXXX and XXXX which i have proof from the bank payments were made, i was told i can still fax over that proof but that will not help get the vehicle back and it will still be repossessed.

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 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I DON'T HAVE ANY PUBLIC RECORDS ON MY CREDIT REPORT, AND I DO NO RECOGNIZE THIS INACCURATE INFORMATION ON MY REPORT. SEE THE ATTATCHMENTS.

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 2021-07-19
Company: Experian Information Solutions Inc.
State: RI
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: Other problem getting your report or credit score

Complaint:
I have contacted them before and they told essentially there was nothing they can do. How is the current balance of $ XXXX is still being shown although I have the current balance down to $ XXXX? Im trying to build up my credit and I thought this company was going to be able to help me out but the lack of effort is concerning.

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 2023-11-07
Company: Lewis, McDonnell & Associates
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Looking over my consumer report I notice Lewis McDonnell & Associ is reporting inaccurate information on my consumer report. I'm demanding that this debt collector disclose to me all of the documents and or information that is being reported on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
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: Account status incorrect

Complaint:
THIS COMPANY IS RESPONSIBLE FOR REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT HURTING MY ABILITY TO OBTAIN CREDIT. 

UNDER US CODE 1681C-2 THESE ACCOUNTS SHOULD BE REMOVED AND OR UPDATED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-26
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I presented the signed Authorization to release information to Wells Fargo on XXXX XXXX XXXX, XXXX, Oregon. This form was faxed XX/XX/2018 XXXXXXXX XXXX to XXXX. We subsequently got a call from a Wells Fargo agent who stated that I could have access to the information not have online access at all. 

We now want to get away from Wells Fargo and not be connected to them in any way or manner. They have not done anything to FIX this problem and have said conflicting things throughout our attempt to work with them. 

On a scale of 1-10 my stress level is 25!

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 2019-08-16
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
On XX/XX/XXXX the vehicle was totaled in a car accident. This was a no fault therefore the other vehicle insurance paid the value of the car and my lapse insurance paid the rest. I come to find out after that there were some additional fees that needed to be pay me $XXXX.On XX/XX/XXXX I received a settlement offer for $XXXX (attached is a copy with payment reference#) and that they will close and report the account with all 3 credit bureaus as settled. On XX/XX/XXXX I made the settlement payment of $XXXX and on XX/XX/XXXX I received the paid settlement letter as agreed (Copy attached) and that it will be showing on credit report settled for less than the full balance” with the Credit Reporting Agencies.Today XX/XX/XXXX the account on my credit report was updated as closed and charged off with last payment of $XXXX and a balance of $XXXX. This is not what was agreed and also caused my credit score to drop almost 30 points. This needs to be corrected ASAP as it will prevent me for getting future financing and more than likely the remaining balance will be sold to a collection agency that most likely with be put on my credit report and seek further payment. Not to mention that will continue to drop score. I'm requesting this to be corrected on my credit report within 3 business days after verification of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
On XX/XX/XXXX the vehicle was totaled in a car accident. This was a no fault therefore the other vehicle insurance paid the value of the car and my lapse insurance paid the rest. I come to find out after that there were some additional fees that needed to be pay me $XXXX.On XX/XX/XXXX I received a settlement offer for $XXXX (attached is a copy with payment reference#) and that they will close and report the account with all 3 credit bureaus as settled. On XX/XX/XXXX I made the settlement payment of $XXXX and on XX/XX/XXXX I received the paid settlement letter as agreed (Copy attached) and that it will be showing on credit report settled for less than the full balance” with the Credit Reporting Agencies.Today XX/XX/XXXX the account on my credit report was updated as closed and charged off with last payment of $XXXX and a balance of $XXXX. This is not what was agreed and also caused my credit score to drop almost 30 points. This needs to be corrected ASAP as it will prevent me for getting future financing and more than likely the remaining balance will be sold to a collection agency that most likely with be put on my credit report and seek further payment. Not to mention that will continue to drop score. I'm requesting this to be corrected on my credit report within 3 business days after verification of 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 explanation
Consumer complaint received 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Date opened XX/XX/2021 Balance : {$17000.00} and update this on my credit file.

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 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
-- Company or Organization : XXXX  XXXX, Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$290.00}. 
-- Company or Organization : XXXX  XXXX, Date fraud XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$310.00}. 
-- Company or Organization : XXXX XXXX XXXX Date fraud began XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$6200.00}. 
-- Company or Organization : XXXX XXXX XXXX  Date fraud XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$2400.00} -- Company or Organization : XXXX XXXX XXXX XXXX Total fraudulent amount : {$1700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28
Company: EQUIFAX, INC.
State: OH
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:
In accordance with the fair credit reporting act XX/XX/XXXXaccount XXXX with XXXX XXXX XXXX. Violated my rights to Privacy 15 U.S.C. 1681 Section 602 A. states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 166B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
In accordance with the fair credit reporting act XXXX  account XXXX with XXXX XXXX XXXX. Violated my rights to Privacy 15 U.S.C. 1681 Section 602 A. states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 166B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2023-04-09
Company: EQUIFAX, 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:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: LEXISNEXIS
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: Reporting company used your report improperly

Complaint:
my information was sold to the credit reporting agencies by lexis nexis without my consent which is against the law. please fix asap!!!

Company response to consumer: Closed with explanation