BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
First main issue is that another supposed collection company collecting on behalf of XXXX XXXX XXXX has contacted me again for the same {$2100.00}. Last time I submitted a complaint the company was claiming to be XXXX XXXX XXXX XXXX collecting for XXXX XXXX XXXX, in the amount of {$2100.00}. I do not want this derogatory information to hurt my good credit that I have worked so hard to obtain and keep. Once again I am disputing that this is not my bill. Again, 1 ) I have never been in a contractual agreement with the reporting company 2 ) I have never been late with payment or delinquent with AT & T because I DO NOT have an individual account with XXXX XXXX XXXX. 3 ) The obvious how can you be delinquent the same month an account supposedly was opened. 4 ) This is obviously a fraudulent activity and 5 ) this happened in 2020 twice but under a different name for XXXX XXXX XXXX when I disputed it was removed according to FCRA practices. 6 ) I have done my due diligence with disputing this several times and requesting they provide proof. 
I already have placed the fraud alerts on all 3 credit bureaus because of this bill that is not mine randomly shows up. Which has led me to use my right to make formal complaint against this XXXX, Experian and XXXX XXXX XXXX XXXX. 

I do not owe anyone any money. As my credit file indicates 100 % excellent payment history because I pay my bills and creditors on time every month. 

The right and fair thing is to have this company to stop writing me and ensure removal of any inaccurate /fraudulent information from my credit bureaus and their records. As well, as for XXXX. XXXX, XXXX to cease from reporting this inaccurate information and or provide documented proof that this account belongs to me. There are no documents me for me to provide because again I have never been in a signed contract with XXXX XXXX XXXX XXXX nor am I in default or have been delinquent with an individual account with XXXX XXXX XXXX. 

I have even contacted XXXX XXXX XXXX  on several occasions regarding this same matter and they always tell me they do not have me has having had an account with them. 

Kindly, 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 non-monetary relief
Consumer complaint received 2021-04-30
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$420.00}, {$5900.00}, {$0.00}, {$6000.00}, {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$420.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 


-- XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- STUDENT LOANS 4. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

5. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: BlueChip Financial
State: IA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
This company wants me to repay a {$300.00} loan for almost {$1000.00}. I have never come across any loan company that would have you repay a loan XXXX of the original amount. This can't be legal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Diaz & Associates, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter dated XX/XX/2021 from DIAZ & ASSOCIATES, stating I owed a balance of {$100.00} on a XXXX account XXXX 
They offered an opportunity to resolve this account in full for the balance of {$37.00}. 
I Do Not Owe This Money! 
I have never incurred a {$100.00} charge from XXXX XXXX 
This is a scam attempt to steal money from me. They need to be arrested and thrown in jail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Opened up a card for discount. Unusual terms and exceptions that did not provide much of a benefit. Unclear terms and then threatening phone calls about past due amounts on purchases that were just made. Paid balance and closed the account. 

I will never by anything from XXXX again.

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 2021-05-01
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Hi, I lost my American express card ending with XXXX on XX/XX/XXXX. I reported the same to bank within 2 hours and they said they have blocked the old card and dispatched the new card to me. I got the new card on XX/XX/XXXX and i activated on the same day. 
On XXXX I realized that there has been three transactions made on my blocked credit card to buy something on XXXX. 
I notified the same to American express and they said no worries everything will be taken care of. But on XX/XX/XXXX one of the charge went through and i got email from American express that they have rejected my dispute request and i am responsible for those charges. 

I am still not sure, as a customer I have asked them to blocked the card and they confirmed me the same but still the person who found my card is able to make purchase with that card. 
I filled the police complaints and Notify the XXXX also about this. XXXX was able to cancel 1 order and notified 2 different 3p sellers to cancel the same I don't understand how Amex handles customers data and security. Still I don't have any answers from American express!! Amex were not even of any help in the whole issue which was created by them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-12
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Hello CFPB, Navient has told me over and over again that my private loans only get a forbearance like 3 times. I've been laid off since XX/XX/XXXX and I have not found another job yet. I live in a village about XXXX people. There are no jobs. I have been trying. My sister just passed away and it takes time to get through something like this in the family. Navient customer service has been unreal. I call the customer number and explain many times over my situation. I feel duped by this company. This company has no empathy for someone like myself. I get laughed at by the XXXX  who said I call their Customer Advocate and get a claim. But then they give me these numbers that only bring me back to them over and over again. 

So do I need to get a lawyer? I have asked many times over how much have I paid in in interest payments to them the past 9 years? I'm told for a loans of ( XXXX ) I will have to pay until XXXX. Seems unreal to me. I can't believe the customer service ethics. They don't care really don't. No one seems to understand that if you don't have money you don't. 

10 years ago who were to think that this would happen? No career job and the hype of these loans? Also my co borrower is my mom and she is XXXX years old and not feeling well. They keep calling and harassing her all the time. 

I need your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX PLANET XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2019-03-12
Company: U.S. BANCORP
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Received two gift cards XXXX XXXX ( {$50.00} & {$100.00} ) for a total of {$150.00}. 
Cards were to be used now, XX/XX/XXXX. The cards were purchased & given in Connecticut. 
Account information is not available & cards have been rejected by local merchants. Called customer care ( XXXX ) where no assistance is available. Specialist could not find account information. No remedy was offered. 
The website ( XXXX ) does not provide any additional method to contact the gift card provider. 
At this moment, US Bank & XXXX have stolen {$150.00} of funds due to me.

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 2023-10-11
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-06-09
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX I purchased an item from XXXX using my XXXX  XXXX which is linked to Paypal. I didn't see it in my card history and found out that Paypal had routed the payment to my bank for funding. Even though I had all of my payment preferences set to pay with my XXXX XXXX and had indicated payment with the XXXX when purchasing on XXXX. I've been using this XXXX for near daily purchases on XXXX for well over a year without an issue. I called XXXX and they looked into it stating it was paypal 's problem. I called paypal and they could not clearly answer my problem. They did not provide me with a clear reason why it charged my bank and not my card as requested - making this an unauthorized transaction. I asked to escalate the call and was refused. I need a clear explanation as to why paypal decided to do whatever they pleased. I read this back on a recorded line to XXXX at XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-14
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 15 U.S.C 1666B : 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 explanation
Consumer complaint received 2019-03-12
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There was a credit account opened in my name on XX/XX/XXXX thru the internet with Regions Bank and was funded by a XXXX $ XXXX XXXX. I originally called Regions Bank and was told actions were being taken to resolve this. A week later I received a card in the mail and called back to ask why I was getting this card if it was a fraudulent account. I was told it was because when I originally called they changed my address to my correct address because it was originally at a Regions Bank somewhere in Alabama that this account was made. I was assured that this account was getting closed and not to worry. I then put a freeze on my credit reports because I was getting numerous inquiries. I then found out the Regions Bank account was then somehow funded by a XXXX $ payday advance. I then went to a local Regions bank to try to resolve in person. That went nowhere and I was told to just resolve it with the credit reporting agency 's. I have tried to dispute this account twice with XXXX and the other 2 agency 's but, Regions Bank keeps verifying this as an accurate account. Please help me. I dont know what to do. Noone at this bank is helping me and trying to get this resolved with the credit bureau 's is impossible.

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 2021-06-30
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ).

On 06/30/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in XXXX  and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Consumer complaint received 2023-04-26
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This is a joint account held by my deceased husband ( XXXX XXXX XXXX and XXXX XXXX ). 
The original account was through a XXXX XXXX ( XXXX XXXX XXXX ) of XXXXXXXX XXXX 
I was told by the XXXX Banking Commissioner that the was taken over by First Citizens Trust XXXX XXXX XXXX  in XXXX when the XXXX XXXX XXXX XXXX  failed. 
I have also spoken with First Citizen Trust Bank and they are saying they never took over the bank and can not locate our joint account. 
This is frustrating because I need to show proof that this account existed in order to probate the affairs of my late husband and myself. 
The account was opened between the years XXXX. 
I appreciate your prompt response and attention to this matter. 
My husband DOB XXXX and the last four of SSN XXXX. 
My DOB XX/XX/XXXX and the last four of my SSN is XXXX. 
This account was opened in XXXX GA at the XXXX or XXXX XXXX location. 
Thank you in advance, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Chase continues to send me preapproved offers for credit cards in spite of the fact that I have called multiple times to be expressly put on their do not mail list. Ive had my identity stolen in the past and do not appreciate this being a potential avenue for that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2023 I attempted an online transfer money from my Citi Accelerated Savings to my personal checking, then close the account. The transfer was denied. I then called customer service, who instructed me to open a checking account, transfer the money from saving to the new checking account, then XXXX  XXXX from the new account to my personal checking. After establishing the new Citi checking and attempting the XXXX  XXXX, I was not permitted to do the transaction. I called Citi and spoke for XXXX hour and XXXX minutes ( XXXX call transfers ) and they concluded I can not transfer my money nor close my account. The last person I spoke with simply said " you'll have to find another way to get your funds. '' I then asked to be transferred to someone else, upon which I was told to call the number on the back of my ATM card. I repeated the request 3 times, and was not permitted to be transferred. So, there is currently over {$400000.00} stuck in my new Citi checking account for which I have no access.

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