BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On a Business trip my card was on a tab and when we were done I totally forgot my card and didn't realize until a couple of days later ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-29
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for days they keep telling me to wait 180 days but I dont have that kind of time but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 previously filed a complaint with TransUnion that XXXX & XXXX are reporting inaccurate information complaint # XXXX. Incredibly and clearly wrong, TransUnion claimed I disputed the XXXX XXXX & XXXX 's accounts before, that my dispute is identical and I have not provided additional information.This is not true and proves TransUnion NEVER looked at the documents I provided, never conducted the proper investigation if any investigation at all and flat out lied. I provided TransUnion with documents directly from the IRS confirming both XXXX and XXXX filed a 1099 form _ Cancellation of Debt, for the accounts I have disputed, way back in XXXX. Without ever updating the way those debts are being reported to TransUnion, XXXX or XXXX. Both XXXX and XXXX lied in all my previous disputes by not properly updating these accounts with the credit bureaus. The 1099 cancellation of debt form is unchallengeable as it has been filed, the IRS has the record this is a fact that is impossible to deny without lying. I am again attaching the proof. Additionally, XXXX had to issue me checks to reimburse for overcharging me on interest from XXXX to XXXX. Meaning again the balance XXXX was reporting and continually verifying as accurate, by their own omission was NOT accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-28
Company: Amsher Collection Services, Inc.
State: IL
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 reviewed my credit report and the same accounts that I previously submitted a complaint about are still on my credit report. These accounst that are listed are fraudulent and does not belong to me. I have never filed for bankruptcy nor have I benefited from any of these accounts. I am a victim of identity theft so I am asking that this matter be resolved as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is incorrect on my credit report. My name is XXXX XXXX XXXX. The address listed on my credit report or incorrect. The only address that should be on my credit report is XXXX XXXX XXXX XXXX, Georgia XXXX

Company response to consumer: In progress
Consumer complaint received 2021-01-05
Company: Aspen Yo LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The City of XXXX will be putting a lean on my property XX/XX/2021 because of unpaid property taxes in the amount of XXXX that hasn't been receive from Gregory Funding. 

I make my payments Each month to Gregory Funding which includes payments towards property Tax. 

I have XXXX $ in my Escrow Account that Gregory Funding has access to but they have not made any payments towards my Taxes. 

I had several Communication within the past three months with Gregory Funding and FHA and nothing has been resolved at this moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XX/XX/XXXX Went on Care Credit web site which is owned by Synchrony Bank. There was option to fill out application for credit card which I had one but was closed by Synchrony. Was told to fill out new application which transferred me to Synchrony Bank web site. Was asked questions to verify I was person filling out application. In the end she wanted to call me on my " landline. '' Was told she was talking to me on my landline. Was told she needed to take my picture thru my computer and my cell phone. Was told I did not have capabilities on my phone or computer. Was told by her that there was nothing she could do. XX/XX/XXXX Receive message from Synchrony saying they checked data sources and said they could not confirm my identify which was not true. I have 8 credit cards from Synchrony plus 2 from Care Credit. Only 1 I actually use. The others are closed because they were paid off and I did not use. XX/XX/XXXX e-mailed corporate office.

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 2021-08-09
Company: Alliance One, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Alliance One sent me a document in the mail claiming that I owe a debt. Not only do I not know what debt they are referring to, or what it is for, they have violated my rights as a consumer. Pursuant to the FDCPA, specifically 15 USC 1692g, it states : Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing - ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ( 3 ) a statement that unless the consumer, within 30 days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor Alliance One has failed to provide 3-5, and therefore, is in violation of the law. Not only did they not include it in the initial communication, they failed to send it within 5 days. As you can see, the date was XX/XX/2021 and today is XX/XX/2021. Attached is the communication I received from them, the first picture is of the front, the second picture is of the back. 

This is a clear violation of the law and is not equitable or fair to me, the consumer, in which they are claiming this debt is owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-23
Company: Experian Information Solutions 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:
In XX/XX/2020, I have applied for a personal loan with XX/XX/XXXX for a amount of {$5000.00} and after a few days have withdrawn from it but turned around and paid off the loan within 10 days. Once I checked my accounts status with XXXX, I have noticed this loan no longer exists on my app and was removed, I have called XXXX to find out why it is no longer there and/or available to me, so I was told this loan was removed since I paid it off and no longer is available to you. I disputed this issue with their Credit Reporting Department and was told " they are not able to remove this hard inquiry from my credit reports ''. 
I should have been informed about pros and cons of XXXX personal loans, the available funds should have been available to me as needed, and hard inquiry should be removed since the life of the loan was less than 10 days.

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 2021-09-02
Company: EQUIFAX, INC.
State: TX
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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Company closed credit card accounts ending in XXXX and XXXX while I am aware all companies reserve the right to make the best decision for their business these were closed as a result of returned payments that stemmed from my personal bank account having been compromised stemming from lost wallet and checkbook. 

The creditor was furnished with a police report and bank memo. Multiple reps including one from executive relations stated the account was being reopened allow 30 days. 

I have since inquired 21 times only today XXXX XX/XX/2020 did they follow up with me. They stated the account was in a fraud status as a result of returned payments that had zero to do with them and while they acknowledge miscommunications by former staff they wont reopen but theyll remove it out of the status. 

Im on hold for 16 minutes, Im hung up on they call back and then tell me no they wont remove the block again despite just having told me otherwise 16 minutes prior. The disconnect in service is absurd. Apparently I am now blacklisted for life for something that had zero to do with me. Important to note I still continue to make payments monthly with zero issues and pay with debit card not ach zero issues.

I was told repeatedly that this would be reopened they even stated 2 weeks ago at the very least it appears at minimum one of the 2 could be reopened again neither happened. Again this has zero to do with me I have paid like clockwork since even with the account closed I did not charge it off or just stop lying like you stopped extending credit If this block is not removed and Im not able to either use these accounts again or open new accounts I will continue to exhaust every remedy available and ensure I use every platform to share my negative experiences

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: EQUIFAX, INC.
State: MN
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 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 explanation
Consumer complaint received 2021-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I recently sent a dispute letter to TransUnion, XXXX, and XXXX on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

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 2019-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON 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 2019-06-06
Company: Thomas George Associates, Ltd.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Monday, XX/XX/2019. I received a call from a 'subrogation representative ' at XXXX XXXX PST , saying that I owe money ( XXXX $ ) for an accident that someone else was involved in, driving a car I no longer own. 
The company is called Thomas George Associates. 
He claimed that I can have my driver 's license taken by the state for failure to comply ( pay ) even though I was not an involved party. 
I asked if he was a bill collector and he denied this saying that he is a subrogation officer. To which, I repeated my question. 
I then requested the claim in writing, so that I can understand. 
The tactic of denying that he was a bill collector and pretending to work directly for the insurance company allowed him to call me before XXXX XXXX. The threat that I could lose my license because of their actions seems out of bounds as well. 
As of today, I did receive the notice of right to dispute, so, I think things are back on track. However, I felt like this was a violation of my rights of communications to collect a debt and wanted to voice that. 
The officer claimed that on XX/XX/XXXX an accident occurred in a vehicle owned by me. I have documents attached showing that I sold the vehicle in 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 2019-08-06
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I submitted several disputes to Experian that they are reporting the same account on my credit file more than one time. They will not correct this.

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 2021-04-08
Company: Woodlands Financial Services Inc
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I never missed a payment with this company. The car did get picked up because of non payment, my mother passed away in my house and we had financial issues and let my insurance lapse and they came and picked it up for no insurance and of course I couldnt pay the repo fees to get it back but I never missed an actual payment. And they never once reported amy of my payments befor this to benefit me so why after you didnt give me a chance to get Insuarnce would you tarnish my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am trying to finance a vehicle through XXXX XXXX XXXX. My Experian credit report still shows a fraud alert that I have requested to have removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX My DOB XXXX SS XXXX is my info. Please REMOVE/DELETE the PHONE NUMBER XXXX .... MY CURRENT AND ONLY NUMBER IS 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 2020-12-07
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Under the user agreement of pay pal, I must be XXXX  years of age. after verifying my identity, using my permit, pay pal applied a limitation on my account due to being XXXX. the limitation was for 180 days and provoked me of transferring my XXXX $ to my bank account. After 180 days of the limitation on my account had started, which was promised to send an email to send me an email about resolving the limitation, I called customer service because I didn't receive an email in around 200 days. When I called Pay Pal, I received a document verification and needed to submit my identity documents for verification i was XXXX. I was XXXX and my drivers license provide that information. But Pay Pal applied another limitation as they wrongly evaluated I was not XXXX. I had been XXXX for about 2 months. So, I called again for another document request for my limitation after wrongfully being evaluated as XXXX. Finally after waiting another 180 days since my second limitation. I received a email describing how to resolve a limitation. However, as I tried to provide my information, my submission of my photo ID is still under review from 175 days ago.. After 175 days for my documents to be evaluated, I don't receive an update on resolving my limitation by proving I'm XXXX thus removing my limitation, thus giving my XXXX $ back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2021-06-28
Company: DISCOVER BANK
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Opened unfunded checking account with Discover Bank on XX/XX/XXXX with intent to fund account with deposit of check on XX/XX/XXXX. After submitting mobile deposit on XX/XX/XXXX, got message that funds would not be available until one week later on XX/XX/XXXX. Had not been informed of hold on check deposits when I opened account or before I submitted the mobile deposit. Was informed today by issuer of check I deposited that Discover has my money but they refuse to make my money available to me before XXXX. Direct deposit of my social security check will also be made to this account on XXXX and I will be closing this account on XXXX. Stay away from Discover Bank

Company response to consumer: Closed with explanation