BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-14
Company: Experian Information Solutions 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:
I have unverified accounts listed on my credit reports I had previously disputed this account. I have never done business with these companies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that I be provided verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request a Cease and Desist of all further communications and collection activities and provide the verification of the purported debt for the following : XXXX XXXX XXXX # 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 2019-12-14
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The credit reporting agencies are supposed to make it free and easy to freeze credit. This is not true for Experian. After unfreezing my credit to make a purchase, I went back to re-freeze my credit. All went well except for Experian. I filled out their onlne form, but it was rejected for unknown reasons. They now want me to send in a bunch of documents to re-enable the freeze that I had in place just a short while ago. They make it hard so that you will buy their paid services. What a horrible company to try and do business with.

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 2020-01-24
Company: Paypal Holdings, Inc
State: NJ
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:
I have a PAY PAL account. On XXXX XXXX I received an E-mail from PAY PAL indicating I had a balance of {$4400.00}. I notified them to transfer {$4000.00}. directly to my personal bank account. They did and I received the {$4000.00} into my XXXX XXXX XXXX XXXX account. I checked the following day and was informed that I OWED {$4400.00}. 
There had been 17 withdrawals from my Pay Pal account from a XXXX HOSPITAL. 
I do not know a XXXX Hospital or have ever done any business with them.

PayPal froze my account until I re-pay to them {$4400.00}. 
On XXXX XXXXthe I received the 10th collection call from PayPal. I explained to each agent about my dilemma and that I did NOT owe, PayPal. I acknowledged that I had requested {$4000.00}. from my account and it was deposited into my personal bank account. 
That I did not know a XXXX HOSPITAL. 
oN XX/XX/XXXX AT XXXX I received an e-mail from PayPal `` we noticed unusual activity on your account and are concerned about potential unauthorized access. '' At XXXX I received and e-mail that stated " We've completed our review of your unauthorized activity case. Pay Pal determined there was no unauthorized use. We found this transaction is consistent with your Pay Pal history. 
One of the Collection Agents said Pay Pal spoke with XXXX Hospital and an error had been made and XXXX Hospital sent back 17 transactions. At the same time when they were received Pay Pal forwarded them to an account they say was mine. Account # XXXX ( last four digits ). That is NOT my account and never has been ... .I did not receive any of the 17 transactions. Pay Pal says that is their record of my account number ... ... I checked all my VISA cards and contacted my XXXX XXXX XXXX and they have no record of that credit card in my name or account number. I did learn I have been with XXXX XXXX XXXX since 1979 ... .forty years! XXXX XXXX XXXX is the only VISA card I have.. I have others,, Mastercard, XXXX XXXX, and XXXX. 
Pay Pal has informed me that they were authorized for a 'charge back ' when they forwarded the money to that account number XXXX. I have pleaded with Pay Pal to use their resources to trace the owner of XXXX. I have just received the 11th collection call from PayPay asking me to set up a payment schedule to repay the {$4400.00}. 
I desperately need help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: SC
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:
Im a victim of fraud. I have contacted Experian, XXXX, and XXXX numerous times, and I have disputed this fraud items with this company. In additionally, I have sent a copy of my police report along with my theft report to XXXX, XXXX, and Experian. Experian need to remove fraud accounts. The 6 frauds accounts are : - XXXXXXXX XXXX XXXXXXXX {$280.00}. Account XXXX XXXX XXXX XXXX : {$5500.00} Account XXXX which is a fraud business account. I'm not a business. 
XXXX XXXX XXXXXXXX XXXX {$21000.00} Account XXXX -XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} Account Number : XXXX. 
XXXX XXXX Balance {$29000.00} Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Account Number : XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$220.00} Account Number : XXXX XXXX XXXX XXXX : Balance {$1500.00} Account Number : XXXX XXXX XXXX XXXX XXXX XXXX COLLECTION ACCOUNT ON XXXX ONLY. 
XXXX XXXX XXXX : XXXX {$23000.00} Account XXXX : XXXX. I been a victim of fraud since XXXX. I have been disputing fraud accounts. I have attached my theft report.

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 2022-11-01
Company: EdFinancial Services
State: TX
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:
I have been given inconsistent timelines regarding refunds of past payments. I have a balance that will begin to accrue interest, yet I have not received any accurate information regarding the timeline of my refund. I have tried multiple times to reach them with no helpful information of the timeline of my refund nor the manner that my refund will be issued. The only thing they were quick with was telling me my balance has been reinstated now that the payments have been " refunded '' despite me not having any information of said refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a XXXX XXXX credit card on my account saying Im an authorized user. Id like this removed from my account. I didnt sign anything or ask to be put on as an authorized user at any time with anyone.

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 2021-12-10
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was charged for a product that was faulty and the company promised a refund but than backtracked. I disputed the charge for US {$110.00} with XXXX. The Citibank department closed it without informing me and I am not sure how to respond to them. I have not recieved any response as to why the dispute was closed

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 2022-11-01
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Express Credit Card balance of {$89.00} was paid in full on XX/XX/22 at the Express XXXX XXXX XXXX XXXX in XXXXXXXX XXXX The Commenity Express Card keeps sending me monthly statements with late charges. I filed an internal complaint with copy of receipt from the store. I received a confirmation letter on XX/XX/22. 

On XX/XX/22, I mailed out copy of the receipt along with the letter. 

Then last week, don't have the exact date, I contacted the Customer Service Dispute at ( XXXX ) XXXX and spoke to XXXX who confirmed received of copy of receipt ; however, stated that it takes between 30 to 90 days to get confirmation of payment. 

This is affecting my credit since they are charging me late fee every month since XX/XX/22. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have an account with Bank of America and a credit union. I paid for a money order so the funds would be secured and released sooner. The bank put an 11 day ( 7 business day ) hold on the funds. I called the bank on XX/XX/XXXX asked to speak to a supervisor 3 times the rep would put me on hold then come back and just start taking again without any explanation why I couldnt speak to a supervisor. She finally said the credit union stated they wont release the funds for the 11 days. I called the credit union and they said that is false and they were willing to verify funds with someone from Bank of America. I called Bank of America back on Saturday spoke to a manager who said a rep from the credit union isnt sufficient for them to release the funds. She stated its their right to put a hold on the funds. She stated its a different kind of check then I normally  deposit. I corrected her stating I deposit money orders frequently and have never had this issue. The last two were a few weeks ago in the 800 dollar range and I didnt have this issue. I asked to speak to whomever is above her. They werent available today and would call me back Monday or Tuesday she said but they will tell me the same thing. I explained my biggest issue is I know it will only take a couple of days for them to receive the funds but they still wont release them to me until the XXXX. She said this is true. I explained my bills will be late by the XXXX and then I will have fees. She was unmoved. I also stated the reason I paid for the money order is because it is secured funds so I wouldnt have to put up with this. She wouldnt budge.

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 2021-03-02
Company: EQUIFAX, INC.
State: IN
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:
On XX/XX/2021 I sent a letter regarding the frustration I'm dealing with due to the inaccurate and unknown items on my credit report. It has been passed 45 days and I still have yet to receive a response on my request. I'm not sure if my request is being ignored, but I'm sure feeling that way. According to the FRCA Section 611 ( a ), failure to investigate these items within 30 days makes them obligated to delete the items in question. I am demanding that these items be deleted immediately or I will be forced to file litigations due to the frustration I'm dealing with. My information was impacted by the Equifax data breach and I'm almost sure that's where these erroneous accounts were accumulated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I applied for an SBA loan through my credit union, Mountain America credit union, and the SBA Coordinator did not comply and send my application to SBA.When I asked for an adverse action and she did not provide one as Mountain America Credit Union denied my application before ever sending it to SBA directly. So I applied for a personal loan and was approved, all though when I asked for an increase they denied me. I also got a denial of a home mortgage loan though Mountain America Credit Union.

My credit score is high, I've NEVER been delinquent on any past or current accounts. I believe it is discrimination at first hand and I have proof they broke several federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: DE
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:
I took a look at my consumer report recently and I was extremely puzzled which caused anxiety upon me. In accordance with the Fair Credit Reporting Act EXPERIAN, XXXX and XXXX has violated my rights.

-15 USC 1681 ( a ) ( 4 ) : states that I have a right to privacy as a federally protected consumer.

-15 USC 1681b ( 2 ) : states that a consumer reporting agency can not furnish an account without my written consent or oral instruction.

-15 USC 1681 ( a ) ( 3 ) : it is an obligation not an option, that any consumer reporting agency exercise their grave responsibility with fairness, impartiality and respect for my right to privacy 15 USC 1681 ( b ) my consumer report is not equitable to me because of the unlawful negatively furnished accounts. 

Here are the errors as follows : 1. XXXX XXXX XXXX OPEN DATE : XX/XX/XXXX XXXX. XXXX OPEN DATE : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPEN DATE : XX/XX/XXXX 4.INQUIRY- XXXX XXXX : DATE : XX/XX/XXXX XXXX. INQUIRY- XXXX XXXX DATE XXXX XX/XX/XXXX XXXX. INQUIRY- XXXX DATE : XX/XX/XXXX XXXX. INQUIRY- XXXX XXXX XXXX FIN DATE : XX/XX/XXXX XXXX. INQUIRY- AMERICAN CREDIT ACCEPT DATE : XX/XX/XXXX XXXX. INQUIRY- XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX 10. INQUIRY- XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX. INQUIRY- XXXX XXXX DATE XXXX XX/XX/XXXX XXXX. INQUIRY- XXXX  DATE : XX/XX/XXXX XXXX. INQUIRY- XXXX XXXX DATE : XX/XX/XXXX XXXX. INQUIRY- XXXX DATE : XX/XX/XXXX XXXX. INQUIRY- XXXX XXXX DATE : XX/XX/XXXX XXXX. INQUIRY- XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX. INQUIRY- COAF DATE : XX/XX/XXXX XXXX. INQUIRY- XXXX XXXX DATE : XX/XX/XXXX XXXX. INQUIRY- XXXX DATE : XX/XX/XXXX XXXX. INQUIRY : XXXX XXXX DATE : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPEN DATE : XX/XX/XXXX XXXX. XXXX & XXXX OPEN DATE : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPEN DATE : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPEN DATE : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPEN DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX OPEN DATE : XX/XX/XXXX XXXX. XXXX XXXX XXXX OF XXXX OPEN DATE : XX/XX/XXXX XXXX. XXXX XXXX OPEN DATE : XX/XX/XXXX 30. US DEPARTMENT OF EDU OPEN DATE : XX/XX/XXXX 2015

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 2021-01-30
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX XXXX XXXX XXXX, address on their website is : XXXX XXXX XXXX XXXX XXXX, NY XXXX and phone number XXXX. 
XXXX XXXX XXXX has contacted my place of employment by repeatedly calling my place of employment. They call my office at a minimum of 3 times a day. The secretary as well as myself has asked them not to contact me at work. They are collecting for a past due American Express account. They sound as if they are out of a call center in XXXX or something. I emailed them a weeks ago asking them to remove my work number and they continue to call. Just XXXX XXXX, 2021, I asked them to stop calling my work, verified my employer number to remove from the call list and they call right back the next day and the day after that. They call my work cell phone. They call and change/scramble their phone number to disguise their identity. Sometimes they call the office 3 times back to back and hangup each time. They say ok we will remove the employer 's contact number and then keep calling it. 
My money is low due to COVID 19 and missed several months from work and have been behind on bills every since. I keep explaining the situation to them and now I am scared of losing my job because they keep calling my office. The payment options given by XXXX XXXX XXXX are too high for me to afford, such as 6 payments of {$1100.00}, or 3 payments of {$2500.00}. I am so scared of my losing my job at this point and don't know what else to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I AM THE VICTIM OF IDENTITY THEFT INCLUDED ARE MY PASSPORT FOR IDENTIFICATION ALSO UTILITY BILL, ASWELL AS XXXX XXXX REPORT AND FEDERAL TRADE COMMISSION THEFT REPORT.

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 2022-09-22
Company: Bread Financial Holdings, Inc.
State: FL
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I recently verified my latest credit report and I noticed that this account is reporting fraudulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to open this account without my permission or knowledge. The account COMENITY BANK/XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/2016 was incurred due to fraudulent charges, which according to VISA/ Mastercard Zero Liability policy I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. 

COMENITY BANKXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: SYNCHRONY FINANCIAL
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On my XXXX 's Consumer Credit card / XXXX XXXX On XX/XX/XXXX I made my normal of {$110.00} before due date of XX/XX/XXXX. On XX/XX/XXXX I paid off remaining balance of {$3700.00} leaving the credit card with a XXXX balance. On XX/XX/XXXX when the billing cycle ended. XXXX charged me {$63.00} on the XXXX balance. When I received the statement in the mail on XX/XX/XXXX I called the credit card company. They tried telling me the interest was charged because I did n't pay off the card before XX/XX/XXXX. As far I knew as long as I paid the card off before the cycle ended I would n't be charge any interest. XXXX has reversed the interest charge of {$63.00} because I threatened to close my account. This is charging interest for balance that do n't have any more. This should be illegal..

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 2023-08-14
Company: Experian Information Solutions 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:
I am formally filing a complaint for the following accounts listed on my credit reports for the following reasons : XXXX. XXXX XXXX XXXX XXXX. 
a. Acct # : XXXX b. XXXX reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX. 
a. Acct # : XXXX b. XXXX reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX. 
a. Acct # : XXXX b. XXXX reported : XX/XX/XXXX XXXX. XXXX XXXX 
a. Acct # : XXXX b. XXXX reported : XX/XX/XXXX There are several issues concerning these accounts that make them fraudulent and/or illegal. 

The first thing, is there is no signed application. The applications were submitted online and no one can provide me an original application with my original signature. 

The second thing is the credit card agreements were not clear and conspicuous, according to 15 USC 1601. I was not able to make an informed decision regarding the terms of the credit cards and their use. The companies make the agreement so long and difficult to understand, I was not able to make an informed decision. According to 15 USC 1602, since there was no evidence of indebtedness at the onset, the difficult to understand agreement was the only document attempting to explain the terms of these consumer credit transactions. Therefore the only evidence of indebtedness was the agreement.

The agreement did not provide clear and conspicuous " Adequate notice '' as defined in 15 USC 1602 ( k ). Since I was not able to make an informed decision, the agreement is null and void.

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 2021-12-10
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I AM THE VICTIM OF IDENTITY THEFT INCLUDED ARE MY PASSPORT FOR IDENTIFICATION ALSO UTILITY BILL, ASWELL AS XXXX XXXX REPORT AND FEDERAL TRADE COMMISSION THEFT REPORT.

Company response to consumer: Closed with explanation