BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-04
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX XXXX did not bill me correctly nor sent me my statement to my correct address.and by the time they fixed their error they posted my payment late.

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 2019-08-27
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi, I just received A Copy from my credit report XXXX after placed fraud alert due to fraud activity on my credit and noticed that there two UNAUTHORIZED inquiry left by Wells Fargo Wells Farge Credit Services XXXX2019 XX/XX/2019 which i didn't apply for any kind of credit

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 2020-10-31
Company: Paypal Holdings, Inc
State: MT
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
Hello, Yesterday I sent XXXX XXXX to a friend in XXXX. 
I checked my bank account and saw that paypal had debited the amount twice not once. 
I have tried and tried to call and message paypal and can not get anyone on the line or to help me fix this issue. 
I have phone my bank and they are working on it from the banks end. 
I was also charged XXXX for going over into my overdraft and want this credited to me. 
I can not get paypal either on line or on the phone to fix it. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX is reporting an Inquiry on XX/XX/2023 that i did not authorize on my Transunion credit report. It needs to be removed as it is affecting my credit.

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 2022-06-14
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had scheduled a {$1300.00} payment to pay off the balance of my American Express credit card on the due date which was XX/XX/XXXX. I observed that American Express did not process my payment as I scheduled for the due date. I immediately made the payment on XX/XX/XXXX and now have a mark on my XXXX  and credit score and a late payment fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28
Company: Experian Information Solutions Inc.
State: CA
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:
Re : Hard Inquiry/Unverified on my behave.

I recently checked my credit reports : Experian, XXXX, XXXX.

I have one Hard Inquiry made by Company : XXXX XXXX On XX/XX/2017.

Credit Unions XXXX XXXX XXXX   XXXX, CA XXXX  ( XXXX ) XXXX I have called Credit Unions at XXXX XXXX in several occasions left messages for the Supervisor to return the call, regarding this matter.NO returned calls.I also contacted Experian , XXXX , XXXX with no updates yet.

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 2023-10-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-01-21
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:
XXXX XXXX XXXX is reporting an account on my report twice. XXXX XXXX and XXXX is the same company. There are multiple inaccuracies within this information and needs to be deleted. The collection company is the same. The creditor 's names are different but XXXX changed their name to XXXX XXXX which makes this the same company. Amount owed is the same. Account numbers are the same. Delinquency dates are the same. This account is the same account reporting twice and it needs to be deleted. 

Collection Agency XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$280.00} Amount {$280.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Number # # # # # # XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor Name XXXX Date Assigned XXXX XXXX, XXXX Original Amount Owed {$280.00} Amount {$280.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Number # # # # # # XXXX Last Payment Date Date of First Delinquency XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: Experian Information Solutions Inc.
State: IN
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:
Original account with XXXX  XXXX XXXX is not showing on my credit report. I begin this account with XXXX XXXX XXXX XX/XX/2016. When the contract was amended my original balance reporting to credit bureaus changed which I dont understand why that would have changed if I was only changing the payment to monthly instead of biweekly. In front of my original account number they added 1A and closed the original account, but failed to report the original data. Instead XXXX XXXX XXXX begin reporting the amended contract and stopped reporting the original contract.

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 2018-03-01
Company: Specialized Loan Servicing Holdings LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On or about XX/XX/XXXX, after repeated attempts to get proper consideration for loan modification requests from SLS, we employed the services of XXXX XXXX XXXX of XXXX for arbitration assistance in this matter. We paid that organization XXXX for the services, and agreed to pay XXXX XXXX/mo during the course of their services representing our interests in this regard. 

XXXX has not provided information that our foreclosure will not proceed forward, and we were not informed until late yesterday that they had been unable to process our requests due to a missing document. We have provided that document and expected information forthcoming that the sale scheduled for Monday, XX/XX/2018 at XXXX XXXX to be stopped and other processes taken up to ensure that we are provided fair opportunity to address the issues at hand. 

We now believe both SLS and XXXX have abused our trust and the terms of the agreements we had with those organizations and we are in danger of losing our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: BB&T CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I'm very dismayed by my recent interactions with BB & T. After many years as a devoted customer, my beloved mother passed away. I've been attempting to close my mother 's BB & T checking account. I live in California. I've been told to fly 3,000 miles to come in person to a Florida branch to close it. I'm the only beneficiary. I have a trust account at a different bank and I have all forms required ( will, trust paperwork, notarize death certificate ). BB & T will not allow me to close my mother 's accounts. In the age of internet banking, this is not a feasible option. My mother 's other banks all provided online forms or requested notarized copies of materials. How can there not be other options? I've spoken to people in the corporate offices several times and the only other recommendation they offered was consider flying to Texas and going into a branch there as it is a bit closer. This is something that has happened to many others I've learned as I researched the BB & T complaints which are extensive on the consumer protection websites.

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 2018-03-01
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been keeping a close eye on my credit report because I have been a victim of fraud. Equifax is very aware of this information yet the do not seem to care or want to help me fix this issue. I have disputed my personal information on multiple occasions and it seems like they just keep adding it back or adding more wrong info to my credit file. This has happened so many times now that I am no longer able to dispute my personal information online and when I call the member service number they still do not want to help get my information correct. I want all personal information removed from my credit report other than my name - XXXX XXXX XXXX, my address- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and employer XXXX . There should be nothing else under my personal info at all. Please delete all other information & do not add it back. I have sent Equifax letters, proof of my drivers license, my social security card, & my XXXX bill and they still insist on not deleting this wrong information. Delete " ALSO KNOWN AS '' and " PREVIOUS ADDRESS '' I have sent you proof that has been notarized. Abide by the law & remove all other information. I have also disputed a new inquiry found on my credit report that appeared on XX/XX/2018 from XXXX. This is an unauthorized inquiry. Please remove ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
XX/XX/2018 : I deposited {$25.00} into my prepaid American Express card at XXXX. 
Later that evening I tried to use the card to purchase a gift for my son but the card was denied. 
I called the number on the back of my card and when I was finally able to speak to someone I was told that they put a hold on my card because they needed to make sure their was no fraudulent activity. 
This is not a new card. I have had this card for about 3 years. 
XX/XX/2018 : I called the card again and was placed on hold for about an hour and a half and when I spoke to the representative they told me that I could go ahead and use the card. 
I tried to make a purchase and it was denied. 
I called the card company again and was placed on hold for about an hour and when they came on the line they immediately hung up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-31
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX XXXX reported a false account of {$360.00} from XXXX XXXX XXXX in which neither never notified me in writing or verbally of. I have contacted XXXX XXXX XXXX XXXX XXXX numerous times & was never made aware of {$360.00}. XXXX submitted the {$360.00} in retaliation for an issue in which they were liable for a broken water heater in cased completely in a wall that damaged a lot of my clothing, shoes, and other items. Mold resulted in the walls & vents. I never paid late or owed XXXX XXXX XXXX any amounts. 
XX/XX/2020 XXXX XXXX I was on an 18 minute call w/XXXX  to dispute this account and the rep stated it would take 30 days to investigate. XX/XX/2020 XXXX XXXX I received an email from XXXX stating the dispute was completed. I called XXXX  and was told the collection verified but no legitimate proof was ever provided by XXXX XXXX XXXX or XXXX  to verify their false claim. XXXX is unjustly closing out disputes on behalf of the collection agency without proof or properly investigating. Im unable to dispute online with XXXX and wasnt provided a reason why when I called. I called XX/XX/2020 XXXX XXXX on 22 minute call to report the dispute was never properly investigated and closed in less than 12 hours violating my rights as a consumer. I have made multiple calls to XXXX with no justified resolution. 
XX/XX/2020 XXXX XXXX I was on a 21 minute call with EXPERIAN to dispute XXXX XXXX XXXX and was informed it would take 30 days to investigate. I asked for a confirmation # but the rep didnt have one for me and I was told I could upload documents to Experian online although the system doesnt allow me to dispute online. On XX/XX/2020 XXXXXXXX XXXX  I received an email stating this dispute was resolved however no legitimate proof or any documentation was provided from the collection agency or Experian. Experian failed to properly investigate this dispute or request any factual documentation from the collection agency to verify. These credit bureaus are violating consumer rights by not properly investigating disputes or requiring collections agencies to provide documentation before affecting the consumers credit negatively. The credit bureaus are only verifying the word of these predatory collection agencies. I have made multiple calls to Experian with no justified resolution. 
The same occurred with XXXX when I previously submitted a dispute for this same collection agency. No documentation or verification was ever provided by the collection agency to the credit bureaus.

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 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
See letters attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Synchrony You've updated a scheduled payment for your CARECREDIT / SYNCHRONY BANK account. 
Thanks for the recent update to your scheduled payment. Review changes below, if needed.

Payment Date : Payment Amount : Confirmation Number : XX/XX/2023 {$51.00} XXXX Didn't make this change? Let us know. 
If this was you, you're all set. 

Tried calling, can't get a human on phone, want to pay off and cancel card

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 2023-06-14
Company: VW Credit
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I CONTACTED THE IRS TO UPTAIN MY 1099. AND THEY SENT ME THIS. VW CREDIT IS COMMENTING FRAUD. WHY MY TOTAL WRITE OFF XXXX. THEY OWN ME A REFUND FOR SAYING I HAD TO PAY THAT AMOUNT ON MY CREDIT FILE. 
( ACCT # XXXX VW CREDIT LLC ). 
THEY ARE VIOLATING MY CONSUMER RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: EQUIFAX, INC.
State: CA
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:
Someone broke into my car stole my persona information & now using it as me and trying to open accounts in my name. These items on this report was not authorized or completed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: Diversified Consultants, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was in the Military and was transferred to XXXX in 2015 where I lived for the next 3 years.  I had an XXXX XXXX XXXX phone and called in to suspend the service before I left, because the phone will not work there.  Instead the representative cancelled it, and I thought it was suspended, since I've don this before with cell phones and being I the XXXX.  My account was closed and referred to a collection agency called Diversified Consultant for a little over 700 dollars.  I guess that was an Early Termination Fee, and other charge, the account was sent there XX/XX/2015, while I was in XXXX  I spoke with XXXX and Diversified in XXXX XXXX XXXX XXXX XXXX  FL XXXX, XXXX, as soon as I found out years later and paid it to get it off my credit, even when I didn't owe it.  The reps simply state that's not what they do when asked to assist in removing the item, I thinks this is a shame, and shouldn't be done to someone serving their country, guess I add to the horror stories of other Military members.  This has cost me in interest rates, enough is enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Broward Adjustment Services
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I am currently paying the debt I have month by month with the money I have enough to pay. I am a XXXX  and now I am receiving a letter for a debt that I have with an account number XXXX XXXX and I don't know what that debt is about.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XXXX XXXX, XXXX, I received my credit report and found several items that were not mine. I initially sent a letter to Transunion as well as the XXXX and XXXX to verify these accounts and provide documentation of verification. I received a response from Transunion stating these accounts had been verified so I contacted the credit bureaus again to have the documentation sent to me so I could verify the information received from them concerning these accounts. Furthermore I went to XXXX XXXX Police Department to explain I am a victim of identity theft, I was referred to the FTC to fill out a report, and instructed to try and receive documentation from these accounts so a proper investigation can be completed. Finally, I was instructed to place a ID theft alert on my account with the three credit bureaus so this action does not continue. On XXXX XXXX, XXXX, I sent a copy of the FTC report as well as a letter of the accounts and inquiries, which were the result of fraudulent activity and/or theft. However, on XXXX XXXX, XXXX, I received a letter from Transunion stating the company could not block these identified accounts as well as place the ID theft block on my account to have the creditors contact me if my credit profile is accessed by firms. This is a problem with having commercial companies whom can manipulate my finances throughout the course of my life.

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 2023-08-15
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
All bills paid charges were falsely made moved from XXXX XXXXXXXX XXXX Reported on 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