BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-10
Company: Experian Information Solutions Inc.
State: VA
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 dealing with this issue for sometime. With Experian, XXXX and XXXX XXXX. I told them that all my identities were driver license and Social Security card. I found out it was brother who passed away of drug overdose last year. I have documents from IRS showing Identity Theft Affidvat and showing after they investigated they proved it was Identity Theft. In the letter explain you will see why I didn't reported to police because if you tell on the wrong person in my neighborhood they will kill you. 
Also, in XX/XX/2020 I wrote XXXX XXXX XXXX XXXX were they said I fill out the applicant to get a car. I also have attached the letter I mail to them came back return to sender. 
On XX/XX/2020 I sent a certified letter with return receipt to Experian and XXXX to inquiring about the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) that they are required by federal law to verify through physical verification of the original signed consumer contract. Under the FCRA, unverified accounts must be removed and if the credit bureaus are not able to verified proof and if they are unable to provide me a copy of verifiable proof, these items must be removed that are listed below. ( I have attached the letter I sent to XXXX requiring ) Will Experian said that the verified it from XXXX XXXX but XXXX didn't respond yet. 
1 ) XXXX XXXX ( both items were deleted 2 ) XXXX XXXX : was deleted 3 ) XXXX XXXX : was deleted by Experian that put back on without proof. XXXX deleted it 2 months ago. 
None of the bureaus, creditors and collections have given me proof of what was ask in the letter attached. So, by law these items should be deleted if no proof was given. 
Also, I am veteran that is total disable all my check goes to my children for child support. But Veteran Adminstration trying to get my flat to rent but with that item on my credit report is causing a lot damage. Please help a homeless veteran.

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 2020-11-26
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
XXXX and equifax, XXXX, and XXXX  continue to knowingly report wrong information on my credit file. I have repeatedly shown them proof that the same account they are reporting opened was also opened in 2011. Therefore its well over the number of years allowed to be reported. They also can not prove any activity or payment on the account ever. This is clearly a violation of FCRA reporting rules and I have hired a lawyer to resolve this violation and seek damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$18000.00} ; XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX MO XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022.

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 2018-09-06
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I XXXX XXXX was in the hospital from XX/XX/XXXX to XX/XX/XXXX that what I remerber in beween that time my money was tanken from hy account without my promise which navy federal denial my complain I even sent the dates that I was in the hospital they said it was denail becausr conflick date about lossing a card which I don't remerber do to a XXXX in which I was in on XXXX XXXXt I just remerber waking up in XX/XX/XXXX.and I XXXX XXXX when I can thourgh didn't have my XXXX XXXX XXXX XXXX I went from XXXX to hospital slect to rehab in a matter of 3 mounts was dismiss XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have made several attempts to rectify this matter with XXXX XXXX XXXX   and Equifax. I have notified XXXX XXXX XXXX and Equifax that this account do not belong to me. This account was opened as a result of identity theft. I have asked them to send me proof of my signature and they have not. I need your assistance in getting this account removed from my credit file. This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10
Company: Experian Information Solutions Inc.
State: MS
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-05-12
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
We took out a loan with XXXX. They had BMO issue the loan. 

The names on the profile and the loan account are different, and we are having a hard time accessing all the information about the loan. 

I am uneasy about paying the loan amount into an account I have no access to. 

Calls with BMO : XX/XX/23 - XXXX - 1 hr 31 min XX/XX/23 - XXXX - 18 min XX/XX/23 - XXXX - 57 min XX/XX/23 - XXXX - 1 hr 13 min XX/XX/23 - XXXX - 12 min XX/XX/23 - XXXX - 14 min At one point XXXX from the Resolution Team told me that she will look into it and give me a callback. No callback was received.

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 2020-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2018-09-06
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I had an account with XXXX that I used to send money to friends. Two years ago, I was banned from XXXX. They sent me an email saying I violated their terms of service. I tried to follow up with them to understand the exact terms I violated. I got no response. A couple of weeks ago my friend told me to follow up again. I got in touch with XXXX and a representative sent me an email saying I was permanently banned from XXXX and that they do not share their share their decision making criteria. This is very confusing since I had not done anything out of the ordinary and can't understand why exactly I was banned from the service. The inability for XXXX to explain what term I violated is concerning. I have no way of knowing why I am being excluded from this service, so this is why I am reaching out for your help. I know I did not do anything illegal, so I think XXXX should be more transparent of why they made their decision, especially given some of discriminatory setback associated with the financial services and XXXX XXXX. I am a law abiding XXXX XXXX man with no criminal history, so I am concerned this denial of service could be for other reasons.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I was called at XXXX XXXX and the woman on the line was extremely rude when I commented on the time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We sold our house and received a closing check from the buyer with my husband 's and my name on it, the amount of {$480000.00}. I deposited the check to my Chase bank checking account on XX/XX/XXXX after my husband and I both signed the back of the check. Fund was cashed out of the buyer account as of XX/XX/XXXX but there was a 10-day holding from Chase bank because it was a large check. On XX/XX/XXXX, Chase bank closed my checking and saving account without any notification. When I called the bank, they said that they could not verify my husband 's name on the check and they could not release the money until they were able to verify him and they were closing my account with no reasons. The only way they could verify is that they are using their own internal phone number verification system and the phone number I gave to them is not registered under his name or does not match with their internal system. My husband 's phone number has been his since XXXX through XXXX who confirmed that the phone number is indeed under his name. When I called the buyer 's agent to ask whether they could void the check and reissue it, they told me that fund has been out of their account and there is nothing they can do about it from their end. I don't know how to get my money back from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: EQUIFAX, INC.
State: NC
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 my FURTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, NC XXXX ; XXXX A XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX XXXX : {$0.00} ; XXXX XXXX  XXXX Balance : {$330.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$17.00} ; XXXX XXXX  XXXX Balance : {$160.00} ; XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, Experian and XXXX XXXX are ignoring my requests to investigate and verify the accuracy of the information contained in my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: M&T BANK CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XX/XX/2023, I opened a M & T Bank checking account ending in XXXX. On XX/XX/2023 my direct Deposit payroll was deposited in the account. When the account was opened, it was offering a {$200.00} bonus when {$500.00} was directed deposited and I have met the requirement already. According to the M & T Bank Representative, I spoke with on or about XX/XX/2023, the bonus should have been given within 90 days from the date the direct deposit reached the account. 

She advised she would escalate this case to someone for them to review it and give me my bonus. Advised there would be a resolution in 1-2 weeks. On XX/XX/2023, I spoke with XXXX, XXXX and was advised the case is still open and I need to talk to sales to find out the status of this. I am not doing this run around thing like last time, with my M & T Bank mortgage ending in XXXX. I am demanding that M & T Bank pay out my bonus of {$200.00} that I am rightfully owed within 5 business days.. It's passed the 90 day timeframe provided in the offer terms. 

Enclosed : XXXX XXXX Monthly Account Statement

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 monetary relief
Consumer complaint received 2020-07-30
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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX Company   Inquiries : XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2018-09-06
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2018 I have noticed two collection  accounts were placed on my credit report.they are both from XXXX XXXX/XXXX XXXX XXXX In addition to this information, The accounts are reported as open. I remember those debt has been deleted and removed from credit report a couple of months ago. The debt collection agency has called me and I told them multiple times that that debt has been removed from my credit report months ago ( the debt was not valid ). The same lady representative that works for the company complains ''Oh since it has been removed doesn't mean that you don't owe the debt. I replied " the debts have been removed and if it was placed on my credit report I will file a complaint. She stated it will not be placed on my reported and continually saying just because it has been removed does not mean anything. I told her the debts are not valid and have a different amount for the debts anyway. I also notice that Midwest Recovery has always bought a debt and add it to the credit report with a higher amount than the original bill as well making it a new debt. the debt amount reported to my credit file is {$1700.00} and {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: Paypal Holdings, Inc
State: WI
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: Card was charged for something you did not purchase with the card

Complaint:
I purchased a XXXX XXXX XXXX from XXXX on the site - XXXX XXXX for sale. On XX/XX/XXXX, I sent XXXX XXXX the sum of {$350.00}. for the product through Paypal. Payment ID # XXXX. She claims she did not know how to access the money, and it would not be touched and to send it again. Sent another payment of {$350.00} onXX/XX/XXXX payment ID XXXX. I did receive the Tour Pack from the XX/XX/XXXX payment. I had contacted XXXX several times to dispute the duplicate payment and they informed me she MUST return my money. I contacted her several times with no avail. Now she has blocked me - removed herself from XXXX and I learned she now is going under the name o XXXX XXXX XXXX, trying to join the XXXX XXXX XXXX again and was rejected due to her photo. Now her photo is also changed. This is a scammer. I am getting nowhere with XXXX. I want my {$350.00} back and this girl charged! She will try to rip off others too!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2018 my computer was compromised from scammers that posed as XXXX Customer Service. They asked my assistant to install software to share a screen on my computer and from there, were in my computer, taking all of my files and logging onto my Chase.com bank account. They sent a wire transfer of {$21000.00} from my Chase business account to their account at XXXX XXXX and then onto XXXX XXXX XXXX XXXX I luckily caught the whole thing 20 minutes after it happened and immediately called Chase 's claims department to ask them to freeze the account and stop payment. They froze my account and filed a claim, but NEVER contacted the scammer/hacker 's receiving bank to tell them to reject payment. They simply filed a claim and never took further action. This was negligent. They should have taken further action and the wire could have been stopped since it was caught so quickly. I kept calling Chase to follow up about the situation and I was told that my claim was denied because " I benefited from the funds. '' Their claims department had noted that {$21000.00} was a fraudulent wire ( which it was ) AND that another wire that I do everything month for {$7200.00} was fraudulent ( but it wasn't fraud and I never said it was on my call - and they just accidentally included this in their claim report. ) When I called to show them the police report which I filed immediately and tell them the entire story they kept me waiting and waiting for weeks. I also told them that their claims department marked 2 wires as FRAUD, but only one was and that I needed them to only investigate and look into the {$21000.00} fraud wire to XXXX/XXXX  and to correct THEIR mistake immediately. I finally asked to be transferred to the highest office - the executive office and Mr. XXXX XXXX 's team. I explained the crime, that Chase was negligent and that my money should be insured and should have been returned back to me. They denied my claim again. I had to re-explain that their claims department marked TWO wire transfers as fraud when I was only referring to/asking for ONE to be marked as fraud. No one has gotten back to me. 

I have no reason to be making up this story. I have no debt, I make plenty of money per year and this entire ordeal is a waste of my time. I deserve my money back and Chase needs to get a way better claims department and procedure in place for wire scams. This is only going to continue to happen and banks need to act quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: GA
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:
Account XXXX XXXX  card account # XXXX is from fraud. It needs to be removed from my credit report. I have reported this problem multiple times

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, 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: Account information incorrect

Complaint:
BELOW ARE FOUR ACCOUNTS THAT ARE REPORTING AS LATE PAYMENTS. THESE ACCOUNTS ARE NOT REPORTING CORRECTLY. I HAVE NEVER PAID THESE ACCOUNTS LATE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation