BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-14
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: Credit inquiries on your report that you don't recognize

Complaint:
I have multiple credit inquiries on all three of my credit reports. I never applied at these companies. I have listed them below. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2020-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Over the last 3 weeks I have had my debit card used to make over XXXX $ in transactions, and then after being sent a new card, this card was used to make XXXX $ in transactions that were not authorized. The first XXXX $ in charges occured after I lost my wallet and debit card at a bar, the next day I returned to see if it was there and they coud n't find it. About 5 days later I went back when the same bartender was finally working again, and he said that he didn't have it, however I noticed that day he had a drink from XXXX, and when looking at my account there was a purchase made on my card that day for XXXX. I believe this bartender took my card and wallet, which inside I believe contained a scrap of paper that all account numbers, a few passwords, and also the pin for my debit card. At first the XXXX $ was credited back by Bank of America, however later on that week they funds disappeared and I was never sent a letter or anything explaining why. Then last week on Friday, XXXX $ in XXXX cards were purchased through my XXXX account, and then redeemed by some other person. After I lost my wallet, I also had my laptop, and phone stolen a few days later, Whoever got into my computer went on my XXXX account and was ordering gifrcards and sending them to people. I have been on hold with their fraud team for 1.5 hours today, but total the last 5 days I have been on hold for over 10 hours. I cant get a hold of them to file these new charges, or to have the older charges re-credited to me or an explanation of what happened. In total it comes out to XXXX $ I have been scammed, and Bank of America EDD Card Services is not doing much to help me or investigating very deeply at all.

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 2016-04-21
Company: NATIONSTAR MORTGAGE LLC
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Roughly 2 years ago my wife and I filed Bankruptcy, which we did request to reaffirm the mortgage, which was with XXXX at that time, with our attorney. He filed the proper paperwork to ensure this would be completed. In a conversation with him, I understand that the courts do not necessarily push this like they do on a auto loan. The servicing was transferred to Nationstar Mortgage a little over a year ago, and we have been paying them on time since. I recently applied for credit and learned that the mortgage is not reporting on my bureaus. I have reached out to Nationstar and their response is that I did not reaffirm the debt, which is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 XXXX XXXX XXXX XXXX XXXX Balance : {$3100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$740.00} ; XXXX ( XXXX Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$78.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 2018-10-31
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is a bankruptcy on my credit that i never went filed. my ex-husband filed I would like the bankruptcy removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 have been double charge for my balances. When I enrolled for auto-pay I was under the impression that if I made a early payment the auto-pay feature would see a XXXX balance. 
It does not see that in fact capital one fail to inform me that this is happening. I believe capital one has their software design that way and here 's why. I have been making double payment several time because I paid early you would think that would make capital happy. At some point I realized my bank statement showing payments to capital one for the same amount. Call capital one customer service and informed them that they drafted {$4100.00} of over payment. It was clear to the representative I was correct. after a long wait to come back on the phone they said it could not be refunded due to the number of days that it wasn't disputed. So their using this policy to hide and avoid paying me what is morally right and do the right thing and to keep their customer happy. This is the reason why I believe capital one uses and will not improve program algorithm to not update balance status and I'm a clear example why.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Chime Financial Inc
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Hello, I bank with chime for my checking and credit. I first filed a dispute for XXXX on Thursday XX/XX/XXXX. This purchase was for a deposit down on a my first apartment after speaking with the " merchant '' about sending me my a check or to XXXX me my refund. They said they couldn't XXXX me. They sent me a check that I couldn't cash! But I tried XXXXXXXX XXXX but turns out the check was unpaid for. I contacted the " merchant '' and they said to work with my bank and that was that. The dispute was closed wensday XX/XX/XXXX. After I got that emailed I kept calling them about rebuttals. I filed over 10 rebuttals with more than enough information about the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: FL
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:
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Acct Name : XXXX XXXX XXXX XXXX  Acct # XXXX Acct NAme : XXXX XXXX XXXX XXXX Acct # XXXX Acct Name : XXXX XXXX  Acct # xxxxxxxxxxxxxxxx XXXX Acct Name : XXXX XXXX XXXX XXXX Acct # XXXX Acct Name : XXXX XXXX XXXX XXXX Acct # XXXX Acct Name XXXX XXXX XXXX XXXXXXXX Acct # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: Senex Services Corp.
State: MI
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:
XXXX CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX  XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : XXXX XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH XXXX XXXX XXXX XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. SENEX SERVICES CORP {$30.00} Account Details Last Reported XX/XX/XXXX Collection Agency SENEX SERVICES CORP Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$30.00} High Balance {$30.00} Remarks Consumer disputes after resolution Consumer disputes - reinvestigation in progress

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
In XX/XX/XXXX I sold some digital game codes on XXXX. Every code sent had the buyer confirm that understand they were a code before being sent, and all codes have a XXXX e mail showing they were authorized, the code was sent, and in two cases the buyers issued glowing reviews. Soon after a few complaints were raised at Paypal saying the charges were not authorized for the codes. I sent the proof to Paypal as well as contacted the buyers and XXXX. XXXX said this was not their issue and to deal with Paypal. I have had multiple contacts with Paypal via email, EFax and phone. <P/>One supervisor a week ago at Paypal agreed with me and issued some credits back. The issue is Paypal is giving full refunds and hitting me with a XXXX fee per transaction. They are saying that Digital codes are not covered under seller protection. They are of course keeping their transaction fees on the non covered transactions. The issues have continued and a Paypal rep today said that I had proven the transactions were verified and shipped yet they will not overturn the fees. They state it is the customer 's bank or card company issuing the fees. I have asked multiple times for that contact information so that I and my bank can dispute them directly and they have refused multiple times. I have also been contacted by an XXXX member who said there is a fraud ring going on with digital codes and he named two of my buyers without any information from me as people who have frauded him. XXXX and Paypal have been given this information and still refuse to act. They now have my account XXXX in the negative with two more pending and are demanding I pay the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Chase Freedom Credit Card offers protection in the event that a trip is interrupted due to an emergency when you use their card to travel according to the " Guide of Benefits XXXX ''. 
I have purchased airline tickets for me and my family with the Chase Freedom credit card and due to a medical emergency, I was forced to cancel the trip. After submitting all the required documentation to the " eclaim '' department, the claim was denied wit no enough explanation. 
Claim number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: EQUIFAX, INC.
State: SC
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 sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
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: Account status incorrect

Complaint:
I have a court ordered child support payment I am current and no back pay was ordered Credit report is ruining my credit by falsely reporting back due delinquent payments This is false The payments are taken out of my checking account There currently no back or delinquent amounts Please see Judgment

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 2021-08-12
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
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: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act XXXX account # XXXX with XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 a. states i have a 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 2018-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX Account Number XXXX Balance {$1300.00} XXXX Account Number XXXX Balance {$6100.00} U S DEPT OF ED/XXXX/XXXX Account Number XXXX Balance {$6500.00} U S DEPT OF ED/XXXX/XXXX Account Number XXXX Balance {$4500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: AmeriCollect
State: MI
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:
XXXX  CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A  USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX  XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX  CREDIT REPORT IS : AMERICOLLECT INC. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. AMERICOLLECT INC {$210.00} Account Details Last Reported Collection Agency Original Creditor Status Opened Date Closed Date Responsibility Balance High Balance Remarks XX/XX/XXXX AMERICOLLECT INC XXXX XXXX XXXX XXXX Open XX/XX/XXXX -- Individual Account. {$210.00} {$210.00} Consumer disputes this account information Medical

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment of {$6800.00} on XX/XX/2023 to my Citi card, with the intent of the payment going to a balance transfer with stated promotional rate ( .99 % ) expired on XX/XX/2023 then reverting to the standard rate of 26.99 %. The payment was applied to balances with a promotional rate with no expiration of 0-5.99 %, instead of the balance where the promotional rate expired on XX/XX/2023. I contacted the Citi and they stated that the statement has not processed and the payment would have been applied to the higher rate after the statement period end even though the statement states the promotional rate had expired on XX/XX/2023 and there was no way to apply the payment to the higher interest rate balance.

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 2022-12-17
Company: Paypal Holdings, Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This all started when I got a collection notice from XXXX XXXX XXXX XXXX about a Paypal debt of {$1200.00}. I don't have a Paypal account or use Paypal. I submitted a CFPB Complaint about this collection agency. In response to the complaint they said they are working on behalf of Paypal , Inc and that it is possible that I am a victim of of fraud or identity theft, they said they would cease all collection activity. The advised me to call Paypal to address the concerns of identity theft. I called Paypal on XX/XX/22, I gave them the account number on the collection notice and they said they opened an investigation ticket # PT - XXXX and said it would take ten days. I called back on XX/XX/22 the representative said the ticket was done incorrectly and closed, the representative said a supervisor would have call me back, I gave them my phone number, but no one ever called me back. I am concerned about someone creating and using an account in using my name and address. Paypal is being very irresponsible with this issue. The account and debt are not mine and Paypal needs to do something about this fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
Company: Professional Finance Company, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX a claim to collect a debt was filed in XXXX XXXX for {$970.00} from Professional Finance that has been disputed with XXXX XXXX  whom I have hired to help clean up my credit and dispute claims like such. The above company failed to Notify me that this claim is out for collection although it's been disputed as well as work out any possible payment options. On XX/XX/XXXX, the original dispute was ongoing because the collectors are refusing to provide service of good pricing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation