BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-09
Company: CITIBANK, N.A.
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:
Sears/CBNA continues to report the account status of an account discharged in a chapter XXXX bankruptcy, every month on XXXX. A letter was sent to Sears/CBNA to ask them to stop, but in response, Sears has now updated that status to current on XXXX  as well. Credit score dropped 26 points. 

They must stop monthly reporting and updating the status fields status updated on and balance updated every month. This can be seen as an attempt to collect a debt that has been discharged in a bankruptcy, a violation on the FCRA.

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 2023-04-04
Company: EQUIFAX, INC.
State: SC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Savings account closed due to unpaid monthly account fees {$4.00} ( 2 ) months and {$30.00} service fee for inpatient of 2 monthly account fees. 

I sent a message to close this account, although I never followed up. 

Account went unnoticed for approx 3 months. 

I never received notification of negative balance Until notice of {$37.00} due and account closed. 

Paid balance due at bank.

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 2022-11-07
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:
Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: Riverwalk Financial CORPORATION
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was contacted by Riverwalk and was talked into a student loan consolidation program for my federal student loans. I found later out on my own that my loan was already consolidated four years prior and federal student loan consolidation is free. They wanted me to pay them XXXX in fees for consolidation ( this fee was not discussed ). They took my social and debit card information. I put a block on my card before they could charge it. They didnt have my student loan information before they wanted to charge me. I was being set up to pay an outstanding amount for a solution they could not give me and one that could be done for free. 

I later contacted the company telling them I realized my loans have already been consolidated and there was nothing they could do to help me. I asked for the companys address and everything changed in the tone of conversation, I was then threatened to be taken to collections, my credit was also threatened and the language became really aggressive.

Company response to consumer: Untimely response
Consumer complaint received 2019-01-03
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: Personal information incorrect

Complaint:
I have went over my credit report and I found account that are not mines from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I do not recall doing any business with either company. I request to see some type of contract for business or paperwork until then pleae delete remove their accounts from my credit report they are not accurate. This is my official 609 ( a ) ( 1 ) ( A )  dispute that I demand a investigation and mail in a copy of something to verify these accounts on my XXXX XXXX, XXXX, Experian reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: Experian Information Solutions Inc.
State: NV
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:
XXXX is reporting inaccurate information on my credit report and refuses to correct it even when I have sent proof of the fraudulent information. 
As a borrower and current college student I have had a horrible and unfathomed experience with XXXX. I am currently in deferment as I submitted an IDR plan and now because of Covid19. I have between 10-13 accounts with XXXX and they have issued 10 late payments on each account causing my credit score to drop and now I am denied credit and to obtain a vehicle to take my children back and forth to the doctors. One of my children is XXXX and having reliable transportation is a necessity for me but because of all the late payments I can not acquire a car. The late payments XXXX has added to my credit report are fraudulent and they are reporting inaccurate information. Between XXXX there has been so many complaints with XXXX adding late payments to accounts, not properly adding payments and causing borrowers to get in over their head to repay or live a suitable life. All of my XXXX accounts that were part of the XX/XX/XXXX through XX/XX/XXXX late payments show deferment status effective as of " XX/XX/XXXX. '' Also XXXX XX/XX/XXXX. Also, I was enrolled full time before any payment in XXXX became due. Therefore, my credit reports do not currently accurately reflect previous payment statuses with XXXX, both as they actually existed and as XXXX has recorded them. I am thus requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the six accounts showing a 60-day late payment in XX/XX/XXXX through XX/XX/XXXX be updated and/or corrected and removed. 
In the event that these reports are not immediately updated to accurately reflect my payment status during XX/XX/XXXX through XX/XX/XXXX, I intend on filing disputes with each credit bureau in addition to official complaints with the FTC, CFPB, XXXX, and pursue other legal routes if necessary. I have sent nelent more information showing I was in school and forbearance letters they sent me but they refuse to remove late payments. I am not asking for removal of any accounts but they late payments that they are reporting inaccurately that is damaging my credit report and hindering me from obtaining a stable home and transportation because of false information that XXXX knowingly will not change

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 2021-08-16
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am filling a complaint because XXXX  has ignored my request to provide me with documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30-45 days mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thanks!

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 2019-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Below are fraudulently unauthorized inquires on my report : Company : XXXX   Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$3300.00} Company : XXXX XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$13000.00} Company : XXXX XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$7400.00} Company : XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$4200.00}

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 2020-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXX is reporting inaccurate information on my credit report and refuses to correct it even when I have sent proof of the fraudulent information. 
As a borrower and current college student I have had a horrible and unfathomed experience with XXXX. I am currently in deferment as I submitted an IDR plan and now because of Covid19. I have between 10-13 accounts with XXXX and they have issued 10 late payments on each account causing my credit score to drop and now I am denied credit and to obtain a vehicle to take my children back and forth to the doctors. One of my children is XXXX and having reliable transportation is a necessity for me but because of all the late payments I can not acquire a car. The late payments XXXX has added to my credit report are fraudulent and they are reporting inaccurate information. Between XXXX there has been so many complaints with XXXX adding late payments to accounts, not properly adding payments and causing borrowers to get in over their head to repay or live a suitable life. All of my XXXX accounts that were part of the XX/XX/XXXX through XX/XX/XXXX late payments show deferment status effective as of " XX/XX/XXXX. '' Also XXXX XX/XX/XXXX. Also, I was enrolled full time before any payment in XXXX became due. Therefore, my credit reports do not currently accurately reflect previous payment statuses with XXXX, both as they actually existed and as XXXX has recorded them. I am thus requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the six accounts showing a 60-day late payment in XX/XX/XXXX through XX/XX/XXXX be updated and/or corrected and removed. 
In the event that these reports are not immediately updated to accurately reflect my payment status during XX/XX/XXXX through XX/XX/XXXX, I intend on filing disputes with each credit bureau in addition to official complaints with the FTC, CFPB, XXXX, and pursue other legal routes if necessary. I have sent nelent more information showing I was in school and forbearance letters they sent me but they refuse to remove late payments. I am not asking for removal of any accounts but they late payments that they are reporting inaccurately that is damaging my credit report and hindering me from obtaining a stable home and transportation because of false information that XXXX knowingly will not change

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 2020-07-11
Company: ALLY FINANCIAL INC.
State: AL
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 reported the following accounts on multiple occasions since XX/XX/2020 using the identity theft methods made available to my by the local police and online resources. XXXX has done nothing to remove this account after countless contact with them regarding incorrect information. The following items are still reporting incorrectly.

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 2020-07-11
Company: Paypal Holdings, Inc
State: KS
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2019, I requested a check from PayPal in the amount of {$23000.00}. If the check isn't cashed within six months, the funds should have been returned to my account automatically according to PayPal 's policy. 

I contacted PayPal on XX/XX/XXXX to ask them to reissue the check. They said they were not able to do that. I would like to know why. 

They told me that my only option was to to have the funds placed back in my account and that I would have to transfer them to my bank. They said they would put the funds back in my account within 24-48 hours. 

Five business days have passed and the funds have not been returned. I have tried repeatedly to contact PayPal. They do not accept phone calls and their chat message system does not respond. I have also tried contacting them on XXXX, where they sent me a link to their inadequate help page. 

My money still has not be returned to my account and no one at PayPal has responded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-05
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2016, after moving to my current address I requested XXXX to install internet and TV services at my new residence. XXXX installed services, but was not able to fully make them operational. They were unable to port my existing phone number and I had intermittent internet service outages. After two weeks of attempted repairs without success, I terminated the service with XXXX and returned their equipment. I initiated services with XXXX and continue to have them today. A month later, XXXX billed me for a full month of services despite not having a single day where my contracted services were operational. I disputed the bill with XXXX. We failed to reach a resolution, and XXXX submitted the debt to collections. Recently, they sold this debt to a new debt collector ( EOS-CCA ) and they have called me on my cell phone harassing me. Moreover, they resubmitted a derogatory remark to XXXX XXXX damaging my credit rating. 

Respectfully, I am requesting this debt collection for {$180.00} be terminated as the original bill was incorrect and EOS-CCA has no right to re-instate a new derogatory remark for an issue that arose in 2016 ( almost 6 years later ) as a brand new issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I was on the Application offer up looking to buy a XXXX XXXX XXXX XXXX XXXX and I found one for a reasonable price. The man selling it went ro XXXX sent me the receipt of the delivery, so I sent him half of the money which was {$420.00}, after that he stopped answering after receiving the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: First Advantage LNS Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I tried disputing a collection account on my credit and asked for documents. The apartments XXXX  XXXX  XXXX is reporting to the credit bureau but I have no knowledge of the apartment nor have I ever lived there nor applied there. The collection states it was opened in XXXX I lived at a totally different address and did not move from the apartments until XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: Experian Information Solutions 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 am a victim of identity theft

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 2022-01-06
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XX/XX/XXXX I kept receiving a call from commenity bank saying my balance is past due. I couldn't understand why because i paid my last statement XX/XX/XXXX. They said i signed up for account assured. I said to the representative that I did not sign up for account assured. My statement said I've been charged a monthly fee, interests, and late fee for account assured. I submitted a dispute and told them that i did not sign up for account assured. I told the representative that if i wanted account assured i would have signed up for it. I see it all the time and ignored the account assured. My phone has been signed in with an unknown device and i had to change my password with XXXX. I asked XXXX to help me identify the devices and XXXX was unable to do so. XXXX told me to change my recovery phone number and email address. Change my password and sign up for the 2 step factor for security reason. All of a sudden i am getting phone calls from comenity back about a bill past due. Please help. I have pictures.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted the credit agencies with regards to several accounts that is reporting on my credit file that do not belong to me. These accounts are reporting as a result of identity theft. The following accounts below are reporting on the following credit agencies report.XXXX XXXX - XXXXXXXX XXXX XXXX - Experian and XXXXUnknown account - XXXX on 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 2020-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX Opened XX/XX/2020 {$210.00} Original creditor : XXXX XXXX Appears on my TransUnion and XXXX reports however XXXX removed it from my report and I been trying to get it removed from the other two reporting agencies and their systems are currently down, this is an old account that has been removed in the past and still appearing in my credit report with different company names, I requested the company a validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I requested " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. 

I also told them that the negative mark found on my credit reports included on all three credit reporting agencies from their company or any that they represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; Therefore if they can not validate the debt I want the company and the credit reporting agencies ( Transunion & XXXX ) to delete the entry. 

Thank you. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: Experian Information Solutions Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is from Experian Credit Report I talk to them yesterday trying to resolve the matter and they told me to contact XXXX XXXX  to get the collection of my report but as of today they just added a new amount XXXX to the first amount that was sitting in the account since 2019 was {$660.00} I ask XXXX could they investigate for me? I havent heard anything back, but this is my confirmation number from XXXX  XXXX this is affecting my process to move so I paid towards the bill trying to pay off the credit debt and I paid {$170.00} yesterday and it went down to {$450.00} but experian added {$510.00} I understand the fees, but Ive been paying on the fees and I asked yall to step in because the price is constantly keep changing it's under dispute, but nobody has gotten back 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 non-monetary relief