BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-07
Company: Experian Information Solutions Inc.
State: MO
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:
Spoke with two Experian rep, also disputed with XXXX  and XXXX and advised I have inaccurate accounts on my credit report. I advised that the accounts have been disputed on their website as well as letters have been sent into their office. I advise that the letters advise them of my rights and request that they provide me information about how they conducted their dispute investigation or delete these account immediately. All of my attempts and request has fallen upon deaf ears and no action has been taken on their behalf. I advised them that it has been past 30 days on all disputes. When I spoke with two Experian representatives, I let them know this, also requested a supervisor and was transferred to a different department and was advised no supervisor was available. I have requested these unverified accounts to be deleted from my credit report and this hasn't been done, its been while over 30 days. I've sent them a 3rd and final letter notice, to correct credit report or legal matter will be taken against Experian for violating 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 explanation
Consumer complaint received 2019-05-30
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : 11 XXXX ) XXXX, XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX 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 2021-06-22
Company: EQUIFAX, INC.
State: PA
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 disputed two items on my XXXX, Equifax and XXXX  credit reports on XX/XX/21. It has been over 30 days with no resolution. 

I sent a 30 day demand to comply letter to XXXX, Equifax and XXXX, on XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: BARCLAYS BANK DELAWARE
State: CO
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:
Barclays Bank of Delaware was made aware that it was opened fraud. I did not open this account and I asked that it be deleted from my info. I sent them a copy of the police report and sent numerous letters. they were suppose to delete this from my info and not report as closed and still left it on my credit report. there should be laws governing these type of maneuvers by consumers against people who file complaints. I have spent years trying to get this company to remedy this complaint. I have sent the following documents listed below Copy of Police Report copy od Drivers Kicense Copy of Social Security Card Numerous 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 explanation
Consumer complaint received 2019-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXXXXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX, XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX 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 2021-06-22
Company: Paypal Holdings, Inc
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is a complaint against Paypal, for it's failure to protect customers from being charged by unauthorized transaction. 

Here is the story : I started my free trial on an audiobook app in XX/XX/XXXX. To start my free trial, I had to link my Paypal account with the app membership so that the merchant could charge me if I wanted to renew my membership after the free trial ended. However, by using the app for several days, I decided to cancel my free trial and not renew my membership any longer. Thus, there should be no charge on my Paypal account at all. 

However, on XX/XX/XXXX, I found I was charged by the merchant for a full year membership renewal. I immediately reached out to Paypal to dispute this transaction and checked 'automatic payment ' on Paypal and found the status of the automatic payment was 'Inactive '. 

One day later, Paypal responded and said it was not an unauthorized transaction. So they wouldn't protect me from this issue and help me get my money back. Meanwhile, they requested me to review my active automatic payment more carefully going forward. 

However, I don't agree with Paypal 's investigation result : 1. The transaction is definitely an unauthorized charge. As I canceled my free trial, my agreement with the merchant to charge me by Paypal should be terminated immediately. Any charge after the cancellation should be identified as 'unauthorized '. 
2. I have already reached out to the merchant, but it didn't respond. If Paypal passes the buck to the merchant, as a customer, I can do nothing if the merchant refuses to resolve the issue. In this case, Paypal fails to protect its customers as promised. 
3. The status of the automatic payment by the merchant was inactive when the charge occurred. How come could Paypal allow an inactive charge happened? 

If Paypal treats this type of unauthorized transactions legit, then customers will be under tremendous risks when they subscribe to any services. Because, if merchants continue charging customers after customers request subscription cancellation and refuse to respond customers, customers can find nobody to protect them. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX have made several requests for proof that a creditor once originated with a national financial institution that has FDIC insurance can sell off a debt that is part of a securitized trust. Then these same debt buyers that used to be known as collection agencies could re-assign the debt to a fourth party for collection enforcement. This process of stating that debts are being purchased by a third party and then enforced by a fourth party is the larges scam in America. The U. S. Supreme Court decision in XX/XX/2017 known as XXXX v. XXXX XXXX XXXX XXXX is responsible for this scam. This decision basically states that since a third party purchases the debt, that my rights under the Fair Debt Collection Practices Act is VOID. The problem is that almost all unsecured debts are sold off to Wall Street in various traunces in securitized trusts. There simply is no resolution where the debt can be purchased, only that the debt can be assigned for collection purposes. Each financial institution must file a 10Q filing quarterly with the Securities and Exchange Commission. The rules on debts being charged off is with the Federal Deposit Insurance Corporation through the FDIC Act, Code 5000. A debt can be classified either standard or sub-standard. Debts over 180 days late must go into the sub-standard category and written off on a quarterly 10Q SEC filing. These charge 0ffs usually are submitted in the tens of millions of dollars. So its virtually for these debts to be sold..period. Accordingly, I request full validation proving the debt purchase. Secondly, I will entertain a very low settlement agreement to put my dispute to rest. All of the settlements can be submitted through the CFPB portal email address submitted. I am still within my rights under the FDCPA since proof of a purchase to a third party has never been established.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-14
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: Was not notified of investigation status or results

Complaint:
I sent letters over 45 days ago to this bureau and still have not gotten a resolution. The bureau is disregarding a regular consumer dispute. My credit is really holding me back right about now.

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 2019-02-19
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My identity was stolen and I have many fraud disputes. I turned in all the transactions in question. XXXX XXXX of the claims were not covered. The bank accused me of changing my story. When I filed these complaints I didnt know, now an X friend, a friend was taking my card at night and using it. I have lost thousands of dollars. When I found this information out I gave the bank the name, address and phone number of the criminal. Later in the process I also found out my identity had been stolen. The bank didnt care and is still refusing to refund my money. They are telling me to get restitution against the criminal. I have been working with the police to prosecute these individuals. The bank has been supoenaed for all photos of the criminal and to this day has only provided videos totaling about 7 photos. I also went to the local branch, identified the same criminals, which I had already reported to the bank, and they refunded me 4 transactions but they never refunded any other transactions with these same criminals in the pictures. There are about 60 to 80 transactions involved. The bank has also claimed in writing that I authorized these transactions. Why would I be willing to prosecuting these individuals if I authorized these transactions? The bank has continually called me a liar. My case got more details as I investigated things more so I continually updated the bank. I told them about my identity theft and later they said I never reported that. I never lied to them they just dont want to return what is mine. One day there was about 8 transactions totaling over {$1500.00} and they said that I changed my story and I authorized these transactions and they are dead wrong. I only added information as I found it out. This bank is treating me like the criminal instead of the real criminals. The bank also told me I had to file a police report. How can a bank require that? They also closed three past accounts already so I have no access to these claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this company continues to violate my federally protected consumer rights, even after I sent in a dispute letter to the Bureaus. 
here listed are 12 violations they have committed again my rights as a consumer. 
And also violating my right to privacy as a consumer, exploiting my medical records ( hippa violation ). 
I will be seeking monetary relief and deletions of my information from their database.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have private student loans with Navient which I have been struggling to pay because of their request for a high monthly payment and have also struggled to secure a secure salaried job. 

From XX/XX/XXXX to XX/XX/XXXX I was a XXXX XXXX XXXX and was not able to continue making the monthly payment amounts they were requesting. I made payments while in service as a United States XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. 

In XX/XX/XXXX I was sent a summons by Navient 's debt collector agency called XXXX XXXX XXXX XXXX XXXX, XXXX, which is presented as a law firm. I went to court on XX/XX/XXXX and agreed to a repayment plan of {$45.00} a month until XX/XX/XXXX. 

My concern is the total amount of loans I have with Navient will be placed with the collection agency XXXX, XXXX XXXX XXXX XXXX, XXXX and I would like to have a feasible repayment plan for the total amount of student loans I have with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: Suburban Credit Corporation
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX I did not know about I do have a collection bill. Because, I had XXXX card that time when I use. Until now? my credit is freeze. Can you fix it please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: Nelnet, Inc.
State: MN
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:
My student loan servicing is through Nelnet. I was a graduate student from XX/XX/XXXX to XX/XX/XXXX. Interest accrued on my loans while I was in school. I was in post-grad forbearance until XX/XX/XXXX. COVID forbearance is currently active and started in XXXX. At no point in time have I been in repayment status. Nelnet moved my loans from post-grad forbearance, to repayment status for 1 day, and then into COVID forbearance in XXXX and capitalized {$2200.00} in interest at that time. I never received a letter letting me know about the status change to repayment and interest being capitalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I sent small dividend checks largest one is XXXX dollars to deposit to JP Morgan Chase bank XXXX NY XXXX by registered mails 3 times this year. They were never deposited. The checks were never returned. Still did not get answer from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have been with chase credit cards for over 2 years and they kept me at the maximum apr rate i tried to call to resolve they told me they will not lower my apr. I havent missed a payment ever and have top tier credit score. I dont understand why they are doing this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX, Equifax, XXXX You are here by orderd to remove this alleged fradualant account at once .XXXX  sent a statment thought the CFPB that this alleged account has a XXXX bal and this alleged account was remove from the past from you CRA 'S. The name was redacted for Hippa and Privacy violations but the account number is statedlook at the balanced owed XXXX this should of never been re reported to you 3 CRA 'S REMOVE this at once this is there own omission and documentation .CFPB please look at these document for statment of fact case XXXX XXXX response this should verify the facts stated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had four unauthorized withdrawals from my checking account from 2 entities, totaling several XXXX dollars, on XX/XX/XXXX, which emptied my account, made my rent check bounce, incurred fees, and caused other emergencies. On another occasion, an obviously faked check was posted to my account. 

Customer service has provided wildly conflicting information, and refuses to provide a partial credit, or progress report. Now they say it may take 60 days to investigate an XXXX cent charge that hasn't cleared. 

The bank 's poor service and security are effectively punishing me for lapses on their end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-19
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX have made several requests for proof that a creditor once originated with a national financial institution that has FDIC insurance can sell off a debt that is part of a securitized trust. Then these same debt buyers that used to be known as collection agencies could re-assign the debt to a fourth party for collection enforcement. This process of stating that debts are being purchased by a third party and then enforced by a fourth party is the larges scam in America. The U. S. Supreme Court decision in XX/XX/2017 known as XXXX v. XXXX XXXX XXXX XXXX is responsible for this scam. This decision basically states that since a third party purchases the debt, that my rights under the Fair Debt Collection Practices Act is VOID. The problem is that almost all unsecured debts are sold off to Wall Street in various traunces in securitized trusts. There simply is no resolution where the debt can be purchased, only that the debt can be assigned for collection purposes. Each financial institution must file a XXXX  filing quarterly with the Securities and Exchange Commission. The rules on debts being charged off is with the Federal Deposit Insurance Corporation through the FDIC Act, Code 5000. A debt can be classified either standard or sub-standard. Debts over 180 days late must go into the sub-standard category and written off on a quarterly XXXX SEC filing. These charge 0ffs usually are submitted in the tens of millions of dollars. So its virtually for these debts to be sold..period. Accordingly, I request full validation proving the debt purchase. Secondly, I will entertain a very low settlement agreement to put my dispute to rest. All of the settlements can be submitted through the CFPB portal email address submitted. I am still within my rights under the FDCPA since proof of a purchase to a third party has never been established.

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