BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-05
Company: AMERICAN EXPRESS COMPANY
State: MA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Me and my friends applied AMEX credit card, and we don't have SSN. However, except for name and age our application are the same. Result is they got XXXX credit limit and I got XXXX. I have already filed compliant for discrimination, they had never respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Experian Information Solutions Inc.
State: GA
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:
Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identity theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved.

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 2021-06-01
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:
There are 11 accounts on my credit report that are showing up and these are definetly not my accounts I have tried resolving this wqith the bureaus as well as the furnishers in my credit report and they are not being much help. This is a result of identity theft and I need this taken care of ASAP it is affecting my personal life and it is stressing me out!! 

Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account INQUIRIES Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : SXXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: EQUIFAX, INC.
State: NY
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 notified XXXX  and Equifax that I an a victim of identity theft and they said that they verified a fraudulent account. How can a fraudulent activity be verified as not fraudulent, please again see attached police report and ftc report along with my identification

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
RBs Citizens has filed a Judgement against me and is attempting to collect debt after reaching a settlement agreement and has ruined my credit ... and they are denying that they settled with me ... The facts are, if they didnt settle with me why did they release car title?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against AD ASTRA. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
- For XX/XX/XXXX statement, substantial amount ( {$3800.00} ) of payment was made, posted on the account and immediately US Bank decrease credit limit without notifying me in advance ( from {$20000.00} to {$18000.00} ) which resulted in failure to make an important purchase. 

- US bank stated that mail was sent out ( notice of credit decrease ), but never received. 

- I have been US Bank Credit Card customer since XX/XX/XXXX, always had good standings on the account and this is the first time they ever decreased credit limit.

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 2020-12-17
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian reduced my credit score XXXX points in a four-month period, even though I paid off a {$130000.00} mortgage during that time and have never been late paying any of my bills in the last 30 years. Furthermore, I always pay all my bills in full every month. Despite all of the above facts, Experian had the audacity to send me notification of the 53-point reduction along with a message that stated " What would happen if you reduced some of your {$7000.00} in credit card debt? '' I've had much higher balances than that in the past and have always paid them off IN FULL EVERY MONTH. Why the cryptic, snarky message? When I wrote Experian a letter and asked if that means my credit score will go back up when I pay it off in full on the due date, they blew me off and never responded. And of course, they didn't raise my credit score when I did pay it off. How can credit bureaus be allowed to mess with peoples ' credit like that without any accountability whatsoever? And then to not even have the decency to respond to my letter and try to explain themselves.

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 2021-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I contacted Capital One just about 9 months ago to change my credit card due date from the XXXX to the XXXX. I was told over the phone that they would. Strangely though, they also decided to report the account with 30 day late payments. I was very upset so I called to get these lates removed. Even if Capital One wanted to consider me late for not paying on the XXXX, paying on the XXXX would still only be 14 days late. The 30 day late reporting is completely inaccurate. I conveyed this to them, and they promised me they would remove them but the 30 day late marks are still on my report. In XXXX, I sent them a written notice explaining the situation but Capital One continues to report this account incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: NAVY FEDERAL CREDIT UNION
State: NV
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I also understand that the credit bureaus have been allowed and additional 15 days to investigate, and yet still have not received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Comenity bank wayfair date opened XXXX XXXX amount is XXXX but its closed and negative on my account, again I have tried to contact them to tell them I did not open this account and I am not responsible for this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: Experian Information Solutions 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:
On XX/XX/2021 I noticed an unauthorized charge on my XXXX checking account for {$260.00}. The company listed was called XXXX XXXX, for a loan XXXX. I never heard of this company so I disputed this charge with XXXX on XX/XX/XXXX. I also checked my credit report with Experian, which showed an unauthorized loan for about {$5800.00}. I disputed this charge with Experian at about the same time, and they reported on XX/XX/2021 that they would not remove this false account from my report. I also contacted XXXX about the sames time and they could not confirm that this was a bad loan, unauthorized by me. 

XXXX XXXX  purchased XXXX on XX/XX/XXXX, and subsequently on XX/XX/XXXX there was another unauthorized charge on my XXXX checking account for {$260.00}. I also disputed this charge with XXXX XXXX. 

My dispute is with Experian for not removing this false loan from my report, and I also dispute with XXXX XXXX this loan. I did not authorize this. Thank you for your help.

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 2020-12-17
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XXXX XX/XX/2020 the card holder mistakingly used her Master Card instead of her XXXX ATM card to withdraw {$300.00} from a XXXX ATM. The XXXX XXXX statement included a {$10.00} cash advance fee and {$12.00} interest charge. The previous balance had been paid in full and the current balance was {$1200.00} ; she paid the entire balance on XXXX XXXX. The XXXX XXXX statement included a {$3.00} Finance charge ; the current balance was {$1700.00}. She paid the entire balance on XXXX XXXX. Every month since then she has been charged {$1.00} in Finance charges for Cash Advances. 
My understanding of the Card Care Act is that the bank must first apply the minimum payment amount for the cash advance and then the remaining payment to other amounts owning as they desire. Since the entire balance was paid in full, the remaining payment reduced all other amounts owing to XXXX. I understand that interest accumulated on the cash advance until the payment was received. The full payment in the subsequent month paid that interest in full. Every month since then, her statements have included a {$1.00} finance charge. The representative at Master Card said that monthly charge will recur for the rest of the life of the card holder unless she pays the balance in full and refrains from using the card for one billing cycle. So essentially Master Card is charging an infinite interest rate on a XXXX balance loan.

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 2017-11-27
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XXXX supposedly issued two refunds for cancelled transactions : Item ID : XXXX Transaction ID : XXXX From PayPal : XXXX XXXX XXXX XXXX just sent you a full refund of {$70.00} USD Item ID : XXXX Transaction ID : XXXX From PayPal : XXXX XXXX just sent you a full refund of {$250.00} USD The refund is owed to me, but they sent it to PayPal. PayPal supposedly sent it - but they did not - They lied. ( Notice the Status Completedno way it ever was completedthey lie - are holding it ). 

Transaction Id XXXX CounterParty Transaction Id XXXX Invoice Id - - Parent Trx Id XXXX Transaction Type REFUND Status COMPLETED ( DEBIT ) Gross Amount USD XXXX Fee Amount USD XXXX Net Amount USD XXXX Created XXXX XXXX, XXXX Updated XXXX XXXX, XXXX Transaction Id XXXX CounterParty Transaction Id XXXX Invoice Id - - Parent Trx Id XXXX Transaction Type REFUND Status COMPLETED ( DEBIT ) Gross Amount USD XXXX Fee Amount USD XXXX Net Amount USD XXXX Created XXXX XXXX, XXXX Updated XXXX XXXX, XXXX PayPal supposedly has sent the refund, but neither the bank card administrator nor my bank administrator have seen anything of it. But XXXX insists that the refund is paid and then tells me " it may take 21 days to work through the system ''. Both the card administrator and my bank administrator tell me that is an outright lie, and if they had returned the funds, it would be in my account in minutes. PayPal is simply holding my money. I got the refund ... not PayPal ... so why does XXXX even give " my money '' to PayPal? PayPal can withdraw money for payment in seconds 24/7/365 ... but they can not put a refund back in less than 21 days minimum ... I am sorry but that does not compute. It simply gives PayPal a free loan for 21 days and counting. PayPal is stalling, but the buck stops with XXXX. They are the ones issuing the refund supposedly to me, and they could easily put pressure on PayPal to move it along, but they make the ridiculous claim that it is out of their hands. PayPal meanwhile is impossible to contact. I have a XXXX and I can not do phones ... do not even have any phone ... so they are trying to force me to make a PayPal accountthen they demand access to my bank account to issue any refund. You can not purchase anything on XXXX without going through PayPal. They can deny being connected all they choose to do so, but they are joined at the hip, and both are not particularly honest. I have written lies from each of them. 

Please note, I have no PayPal account - plus not only are they not giving my money back in reasonable amount of time, but they are also charging me for the abuse of doing so. 
I was issued a quoted refund amount by XXXX, but now PayPal is taking a chunk as payment for abusing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-05
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is still reporting on my account : XXXX/XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
portfollio is still reporting on my credit spoke to portfollio today who sold it to another company and its hurting my credit bad and there still reporting it on my credit history even though the debt it not with them anymore, their violating my FCRA rights. 

This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11
Company: LTD Financial Services, L.P.
State: FL
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 disputed several items on my report that are not mine. They keep telling me they verified it as mine but give me no proof. XXXX XXXX, LTD Acquisition, A Bankruptcy that I NEVER filed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Paramount Recovery Systems, L.P.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have suddenly had a collection item from Paramount Recovery Systems appear on my credit report stating I owe a balance from an emergency room visit over 5 years ago. I have never received anything from this collection agency and this charge was disputed directly with the original company 5 years ago because it was not billed correctly through my insurance. The date of the visit was XX/XX/15, and I went to the ER after slipping on ice after winter weather because of concerns I may have XXXX XXXX XXXX. My insurance, the same policy I have had for 10 years, covers all emergency room visits resulting from an accident at 100 % with no copay or deductible. Since my visit was due to an accident, had it been billed correctly to my insurance, I should have owed not even a single XXXX. I received a bill from XXXX XXXX XXXX XXXX for {$350.00} resulting from the visit. I disputed this directly upon receiving the bill and never received ANY response and never heard anything or had this show up on my credit until suddenly receiving notification of this erroneous balance with a collection agency on my credit report more than 5 years after that ER visit. I have disputed this with the collections agency, Paramount Recovery Systems, and the only response is that this is a valid debt. However, it is invalid because the original billing done by XXXX   XXXX XXXX XXXX was not sent to my insurance company with correct information. After looking into XXXX   XXXX XXXX, it became clear that they have an obvious pattern of fraudulent billing practices due to dozens of complaints over the exact same scenario of insurance companies not being sent accurate billing information.

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