BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-11
Company: EQUIFAX, INC.
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:
equifax, XXXX, XXXX : number of accounts with Delinquency, serious delinquency, length of revolving accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-02
Company: Early Warning Services, LLC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I sent a XXXX scammer some money through XXXX, they never delivered on their side of the agreement. I tried to have the transaction stopped by XXXX IMMEDIATELY AFTER I sent the money and realized the sale was a scam but XXXX REFUSED to even open an investigation before the funds were delivered the next day. I filed a police report ( attached ) later in the evening. The following day I contacted XXXX and they initiated the claim. They said they would investigate the transaction and that they would be contacting the other bank scammers bank ( XXXX XXXX ). A few days later I received a letter saying that my claim was denied and there was nothing I could do. I asked them if there was any way they could shut down the scammers account and XXXX said that was up to XXXX XXXX. They also said I should contact XXXX to retrieve the money since it was through their service. XXXX XXXX will not discuss another account with me because I'm not their customer. I've tried contacting XXXX but they will not speak to me since the transaction was filed from my bank and said I should resolve the dispute with my bank. XXXX and XXXX seem to be pointing the finger at each other. Bottom line : XXXX doesn't take their security seriously and XXXX doesn't care about it's customers or trying to stop fraud before it happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: EQUIFAX, INC.
State: NJ
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: Was not notified of investigation status or results

Complaint:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have tried to freeze my credit report with TransUnion on 5 separate times - each time I get an error message that their web site is experiencing difficulties and I need to check back again another time to place freeze on account. Each time I attempt to CALL TransUnion their phone system is so bad I get disconnected ( 5 times!! ) What steps can I take to FREEZE MY CREDIT REPORT with TransUnion?? 

I have had NO PROBLEMS doing this with XXXX or XXXX - ONLY TransUnion - what a nightmare!! 

They collect more information from you and then claim website not working - is their company even TRYING to help consumers? Is their website HACKED TOO? 

Why can I NOT access ANYONE at TransUnion to get a CREDIT FREEZE????

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 2020-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I continue to be surprised & shocked how your company continues to say that they verify this public record of bankruptcy on my credit report. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy pubic record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from the us bankruptcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is a public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?

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 2017-09-22
Company: EQUIFAX, INC.
State: TX
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:
In accordance with Equifax 's instructions related to the data security breach, I was identified by their website as an impacted consumer. On XX/XX/XXXX, I was instructed to return to the site after XX/XX/XXXX to sign up for the free XXXX XXXX XXXX. When I returned on XX/XX/XXXX, I registered and was told I would receive an e-mail with a link " in a few days '' to active the service. It 's been over a week ( since registering and two weeks since announcement of the breach ) and a link has not been received. I attempted to contact Equifax on its security breach customer service line and they could not state when I would receive the link or that my request was even in process. They did indicate that they have been " overwhelmed '' with requests ( which is amazing that they did n't prepare as given the size of the breach, they should have expected millions of requests ) but had no answer for how long it would take and to keep checking for an e-mail. Based on news articles, it seems that a number of people are having the same experience. The breach is bad enough, but the lackluster response has been terrible. I did notice that they are still advertising and accepting requests for paid services on the website. Curious if paying customers are getting priority or being signed up before the breach impacted consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Threatened with legal action to recover debt that is not that old. Would have been willing to settle debt however the company is trying to charge me more than I beleive is owed for the cards. Willing to settle this debt for more than half of what they claim is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am currently in the process of completing the PSLF program, in order to have my loans forgiven following 120 payments while working in the XXXX XXXX. In XXXX, I joined the XXXX XXXX XXXX. In the Spring of XXXX, while still working full time in the XXXX XXXX, I began taking graduate courses at the University of XXXX. I specifically instructed my loan servicer at the time to continue accepting payments from me despite any documents they receive regarding my going to school, as I was also working full time in public service. Despite my instructions, my servicer placed my loans in deferral from XX/XX/XXXX through XX/XX/XXXX. Each month this took place, I resubmitted a request that my loans never be placed in deferment. Yet they continued to disregard my instructions. My loans have since been moved to different servicers over the years and with each, I inquired how to have this error on their part be fixed. My loans are currently with Fedloan Servicing and I have asked them multiple times what can be done and they refuse to fix the error. I was entitled to make qualifying payments during this period and my servicer disregarded my instruction multiple times not to place my loans in deferment. 

I would like to respectfully request I have the opportunity to make whatever payments are necessary to reflect my public service in the XXXX XXXX XXXX during those four months in XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-20
Company: Paypal Holdings, Inc
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 months but I just remembered I could file report on here as I feel 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents 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 2018-11-20
Company: AES/PHEAA
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
They have reported that I have numerous late 's and I have a letter saying that Its deferment and that nothing is owed. 

Acct # is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-27
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX ASKED XXXX TO DELETE REPORTING FROM THEM

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 2023-05-16
Company: Chime Financial Inc
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I received a notice that I was getting an ACH deposit. They did not specify the amount, however I was expecting a refund from State of NJ for the Anchor property tax relief program for the year XXXX. They refused to deposit because I hadnt file this years taxes at the time and could only provide tax returns for prior years including the XXXX  year which the payment was for. On XX/XX/XXXX they sent another email stating that they returned my payment. As of today, NJ state anchor program has not received the returned payment and when I called chime they told me that I needed to prove they didnt return the money to NJ state and that if I got an email that said they did then I have to believe it. They only allow contact through email unless its general business. They are basically holding my money hostage. I shouldnt have to provide This years tax returns for a refund from XXXX. I also sent mine and my husbands Identification as well as tax records. I also never get a representative that I can understand clearly, which makes communication very hard. This is extremely frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on XXXX and XXXX Bureaus response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed 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 are the lists of the erroneous accounts reporting on my Credit Report : 1. PORTFOLIO RECOVERY A XXXXX Opened XX/XX/XXXX Balance {$1000.00} ; 2. PORTFOLIO RECOVERY A XXXXX Opened XXXX. XXXX, XXXX XXXX {$2400.00} ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$6200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$6200.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-11
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had XXXX Fraud on my checking account with Citi Bank by some one who claimed to be with the fraud department on XX/XX/XXXX. When I realized it was fraud it was too late. The person on the phone who already had my log in information, just needed me to confirm made 9 separate transaction back to back for a total of {$1400.00}. I filed a claim with Citi Bank the minute I realized it was fraud. Citi Bank said to wait 10 days, while this was being investigated to be denied. I re-opened the claim again on XX/XX/XXXX to be denied again. No phone calls have been made to me, no letters with any explanation as to why. It has been me who has called several times to follow up and obtain status. I have re-opened the claim again for the third time after I called for status and was told it was denied, again. Today is XX/XX/XXXX and for the third time have re-opened the claim. 
Citi Bank is a sink hole, you can call and call and get nowhere, but a run around. No one has answers. You just have to follow their procedures that gets you no results.

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 2021-08-08
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had a car loan with Westlake Financial and the car was totaled. My insurance company sent Westlake a check and then Westlake was supposed to cover the remainder of the loan with GAP insurance. Well they are now harassing me with calls almost every hour and all times of the day and night. They are now calling from multiple different phone numbers. It is XXXX on a Saturday night and they just called again! They have yet to submit an explanation of the claim and still want me to pay a full balance on a totaled car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: CHARLES SCHWAB CORPORATION, THE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX is unable to resolve a money transfer that fraudulent. Having a XXXX XXXX XXXX XXXX, a securities license, and having been in banking myself, I am aware of that kind of cash transfer app is an extreme danger to the consumer as many people might have families and outstanding obligations and are taken advantage of such as myself. 

Neither XXXX or Schwab Bank has refunded my money and they seemingly release themselves from any indemnity by providing cloudy details. Has transparency and financial protection disappeared altogether?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I went into Chase Bank at XXXX XXXX XXXX in XXXX XXXX to open a joint checking account. I opened the account, and to instruct me on how to view the account online, the banker logged into my account w my consent. However, when she showed me the credit monitoring option, she clicked Agree without asking me first. This signed me up for Chase credit monitoring and I did not want or need it. I did not confront the banker inside the bank because I did not realize I had been signed up until I read the confirmation email when I returned home. Ive now asked Chase via secure message to de-enroll me from the service, but they continue to inform me what credit monitoring is and are not complying with my requests. I use another monitoring service and I do not want this one. This was done without my consent and I want it reversed. This is identity information I did not consent to share.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Paypal Holdings, Inc
State: CA
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 provide service from the United States, my store 's shipping times are exceptional at 3-5 days, and I had 0 outstanding disputes or complaints. 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 months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: EQUIFAX, INC.
State: TN
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:
Hello I have been contacting this company Equifax, XXXX  AND XXXX for the past 7 months about this account on my credit report. 7 months and NOONE has gotten back to me. The reporting of those accounts violates USC 15 1681 b ( g ) 3. Medical information being released is violating my consumer rights. Please investigate this and remove it from my credit report asap im tired of waiting on responses in the mail that NEVER COME. The accounts are as follows below. They violated MULTIPLE laws thats I can sue for and I have the proof. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Medical Society Business Services, Inc.
State: AZ
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:
Account was paid in full with agreement to full deletion. 

Account was updated as paid in full but not deleted. 

Called and spoke with a supervisor on XX/XX/2020 and was promised deletion and letter in the mail. 

Never received letter and deletion did not occur. 

Called several times to have corrected and still has not been corrected. Multiple calls have been disconnected and refusal of call backs.

Company response to consumer: Closed with non-monetary relief