BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 date of XX/XX/2019 I Checked my credit report when I noticed a derogatory mark on my report from a XXXX XXXX XXXX {$300.00}, XXXX/XXXX {$580.00}, that I had not known existed nor was I in the know of the account being used. My Name, XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I am filing a complaint to dispute all existing accounts that continue to reflect on my report but are not my accounts and am asking that proof is shown that these accounts are in fact mine. Under Section 609, credit reporting agencies are required to disclose certain information to consumers who request it. Verifiable Proof. 
{ FRCA 607, 611, 609. } I noticed that there are addresses that are not mine showing as well. Please remove me from XXXX XXXX, XXXX, XXXX, XXXX. ( Gramm-Leach-Bliley Act ) 16 CFR 313.15 SECTION. ( 1 ) With the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction. I do not nor have I given my consent to any consumer database to distribute or sale my information. 
I would like the following addresses deleted XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ).  The specific information is not accurate. The following addresses and the variation on my name are not accurate. Please delete all other variations of my name. I am no longer affiliated with those addresses. I would like to have my credit report to reflect true up to date information that is 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 explanation
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: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
American Express continues to show my account as late, as of XX/XX/2021. I have confirmation of payment in writing from them from XX/XX/2021. I have opened a dispute, but they refused to fix the errors. This has caused my credit to drop 45 points as they have it incorrectly marked as " currently late ''. They also have it marked as overdrawn/overused, but the amount I paid on XX/XX/2021 should have brought that carrying balance well below my limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good afternoon. I want to keep this short & to the point. I have mailed in two debt validation letters ( A. ) Mailed on XXXX B. ) Mailed again on XX/XX/2021. I had never received a proper or any form of response to my debt validation letter. I received a letter dated XX/XX/2021 in reference to account # XXXX in mid XXXX. On XX/XX/XXXX I again mailed in a third debt validation letter. Not receiving any correspondence from PRA prior, I mailed another debt validation letter. Today, XX/XX/2021, my wife and I called PRA to inquire as to why we havent received any response to our debt validation letters. We first spoke to a XXXX XXXX who informed us she could not discuss this account with us and that we would have to talk to the attorney. We asked to talk to someone over Ms. XXXX and they transferred us to XXXX XXXX, who refused to talk to us either. I am alarmed & baffled that they have blatantly and disrespectfully refused to conform with Federal Laws. Upon receiving the first ( XX/XX/2021 mailed ) debt validation letter, we shouldve received a response including the original purchase agreement. Im assuming they can not provide the information requested & that may be why theyre refusing to me. The two debt validation letters mailed, were mailed prior to any contact from the attorneys office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-04
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 a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
PAYMENT HISTORY ERRORS : This complaint is regarding my auto loan financing account with XXXX XXXX. For the last few years I have disputed this issue multiple times through each of the credit bureaus individually ( both via online/phone and by mail ), as well as once with the CFPB. Every time I have filed a dispute, the response from XXXX XXXX has been inadequate and nothing has been resolved or corrected on any of my credit reports. 

There are still major errors on my credit reports, to which have significantly and negatively impacted my credit status. None of the credit bureaus have been helpful in properly processing my disputes and have not obtained adequate response or solution from XXXX XXXX. My credit score is being penalized for having 6 late payments reflected on my XXXX XXXX account, which is completely inaccurate and false misleading information. 

XXXX XXXX reported to the credit bureaus that I made payments " 30-59 days late '' for the following billing months : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Enclosed is a copy of my Bank Checking Account Transaction History Report, which verifies that I did in fact made those monthly bill payments on time. None of the above listed months were paid late. All 6 of these months need to corrected and updated to reflect that I paid those payments " On Time ''.

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 2019-04-20
Company: CITIBANK, N.A.
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:
Citibank closed my longest history credit card without my awareness when I called in to ask about retention offers. 
1. On XX/XX/2018, I called Citibank credit card representative to inquiry about the possible retention offers on my Citibank ThankYou Preferred credit card. However, before the retention agent told me any retention offers, the call was disconnected. Then that agent directly closed my account without my awareness. 
I called back on the same day and realized my account was already closed. I asked whether Citi could reinstate my card. They opened a case, but on XX/XX/2018, Citibank told me they were unable to reopen my account after running a credit check. 

2. This credit card has the longest credit history. So the closure really affects my credit score negatively. Running a credit check to in the case to reopen my account also hurts my credit store. Citibank should have trained their retention agent to double check with the customer before actually closing the account, especially if the call was disconnected.

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 2020-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
For my Capital One Venture card, I received a bill that was dated XX/XX/2020 stating that I was being billed XXXX for the upcoming years membership fee. The first year fee had been waived when I got the card as an introductory offer. I was going to cancel the card, rather than pay the XXXX to have the card another year. I called customer service on XX/XX/XXXX and instead they offered to change the card to one with  no annual fee, but lower points earned per dollar. I agreed and switched cards, but now they have charged me the XXXX annual fee for the membership level I no longer have or wish to have, as well as a late fee. I have spoken to 3 levels of supervisors at customer service on XX/XX/2020 and have been told I can appeal this no higher and must pay. They state I must pay because it was billed to me, even though I made no charges in the 10 days between being billed and the cancellation date. I stated that I am being billed and expected to pay for a service I am not going to receive and stated I do not want to receive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I am not sure for what product or service I have been charged {$1100.00} on my credit card. All I know was I purchased a XXXX XXXXXXXX on XXXX XXXX it had internal camera issues, I requested for replacement they XXXX approved it. 

I got the new phone and I returned the previous phone on the same day around the last week of XXXX. 

And after 2 months ( XXXXXXXX XXXX ), I got this charge without any explanation. On XXXX XXXX I saw an update it the replacement was canceled without explanation. So I do not know for what they are charging me or why are they charging me. 

I further investigated, I found out that XXXX delivery partner of XXXX had successfully ship my return and XXXX received it. But upon arrival XXXX  did not received the phone. When I requested to get box weigh of my shipment. XXXX records are deleted and they have no evidence to support it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Scratch Services, Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a Paycheck Protection Program loan for {$12000.00} through XXXX on XX/XX/XXXX. That loan was subsequently sent to Scratch to be managed. 

The majority of the loan was forgiven and paid off by the SBA on XX/XX/XXXX. I paid the remaining balance of {$1000.00} on XX/XX/XXXX. ( This is to cover the EIDL advance that was not initially forgiven. ) Congress changed the laws after I paid the remainder of the loan to say that the SBA would allow for forgiveness of the full loan, including the EIDL advance. Scratch has since received an additional {$1000.00} from the SBA on XX/XX/XXXX. Therefore, this loan is now overpaid by {$1000.00} and I am owed a refund. 

Scratch emailed me on XX/XX/XXXX to say that they have received my EIDL advance amount and that it would arrange a refund for me within 1-2 weeks. They never contacted me about this refund. 

I called Scratch on XX/XX/XXXX to inquire on the status of my refund, which was now overdue. A representative named XXXX said someone from Scratch would be in touch with me by the end of that week to process the refund. By Friday ( XX/XX/XXXX ), no one had gotten in touch with me. 

I reached out to Scratch using the online chat tool today ( XX/XX/XXXX ) to arrange for this refund and they said they could not expedite this or provide any information about when it will be processed, even though it is now 2 weeks overdue. 

I would like this refund to be processed and sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
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:
On XX/X/17, I noticed that my PayPal account had an access limitation. I could not Withdraw money from PayPal, Send money or payments, andPay using PayPal. I could however Receive money or payments and Refund money to customers. I am a freelance consultant and I had received a payment for about $ 14k for my work. I have also sent payments of $ XXXX to vendors through this account before. It took me over 40mins wait on the phone for someone to help me. I uploaded documents they asked for and they emailed me requesting more information instructing me to go to their website to upload more documents and there 's no option to do that on the website. I had to call in again, waiting another 45mins plus. They finally sent me to the appropriate site to upload these documents. I am a freelance business consultant. I 've had my PayPal account for a while and have only recently started using it because it 's become more popular for clients to pay me remotely. My client paid approximately {$400.00} for this transaction that is in question. They block my account, withheld funds for review but does not answer the phone and take measures to resolve in timely manner. In the meantime, I do n't have access to my funds, they continue to collect revenue coming in and withholding it without paying me interest. Is this legal to withhold a customer 's money during resolution without paying interest for that money. If that is the case, 3rd party payment services like this can make a profitable business out of this activity all day, causing " reviews '' to hold customer 's large deposits without paying interest. I request an investigation on PayPal 's activities with these account holds. What happens to the interest they collect on the funds that belong to customers whose account they have blocked for " review ''?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
Company: Experian Information Solutions Inc.
State: WI
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: AZ
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: NEW YORK COMMUNITY BANCORP INC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a loan with Flagstar Bank. In early XXXX we had severe flooding in our area and our house was hit with 5 and 7 day power outages and wind damage. Flagstar offered us FEMA relief with a 3 month grace period on payments. At the end of the 3 month period they demanded payment in full of the three months of back payments. My wife works from home and when we didnt have power she couldnt work, and we were dealing damage to our barn and helping our horses that were stuck in mud and driving rain. When we couldnt make the back payments to catch up they dinged our credit with a 90 day missed payment, it dropped our credit score XXXX points. I was never told that the money would be due at the end of 3 months, this seems like deceptive practices. Especially because we had gotten Covid forebearance and they renegotiated our loan after that.

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 2021-10-01
Company: SLM CORPORATION
State: GA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I bought a CD from Sallie Mae in XX/XX/XXXX. Unlike other institutions from which I have purchased CDs, I have no way to view my account details on the mobile site nor can I view tax documents. I was just looking for details on when this CD will mature, as I have received. I notification. I was shocked to discover it is maturing this month- for the second time. Evidently in XXXX, the first CD matured and Sallie Mae did not notify me. At all. And this rolled into another one-year CD, making nothing. Fortunately, I made about as much as I would have in a savings account, but it seems shoddy at best and deceitful at worst that Sallie Mae doesnt make this information more clear or notify account holders in any way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: Key 2 Recovery, Inc.
State: WA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Key2recovery and XXXX XXXX XXXX say they own my debt. I started paying key2recovery then on XX/XX/XXXX I was mailed a letter from centeral portfolio stating I owed them the same debt. I started paying Key2recovery on XX/XX/XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent letters to XXXX, XXXX and XXXX on ( XX/XX/2022 ) regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over ( 6 Months ) and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so. 

I demand these items I disputed in my letters to be blocked, removed and deleted from my consumer report immediately. I am trying to obtain credit and need the bureaus to respond. Please intervene and assist me with this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
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: Account information incorrect

Complaint:
There is a late showing on my credit report for XXXX XXXX. I would like this late to be investigated.

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 2021-08-11
Company: EQUIFAX, 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:
See Complaint XXXX opened XX/XX/XXXX closed XX/XX/XXXX Company 's Response " Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that XXXX has been removed from your credit file. A letter outlining our findings was mailed to the address on file. '' Received copy of Equifax report with the same10 digit number ( XXXX ) XXXX remains next to my address on the credit report mailed me on XX/XX/XXXX. Note : this number was associated with my former neighbor with the same last name who formerly owned XXXX XXXX  XXXX but who I have no affiliation. 

Also fraudulent XXXX XX/XX/XXXX hard inquiry which XXXX XXXX submitted for removal back in XXXX still remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX Il XXXX and XXXX XXXX XXXX XXXX Il XXXX is not and has never been my address

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