BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-13
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX and Experian continue to report an alleged debt that is inaccurate. 

Medical debt that does not exceed {$1000.00} can not be reported. 

The reporting agencies must maintain 100 % accuracy and this account does not meet those standards. 

Date Opened : XX/XX/XXXX XX/XX/XXXX Comments : Placed for collection Medical Subject has not satisfied debt. 

Date Last Active : XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) Account # : 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 2022-09-13
Company: CCS Financial Services, Inc.
State: NJ
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:
In an attempt to repair my credit after a turbulent time in my life, I reached out to XXXX to pay a debt from a missed auto insurance payment from a few years prior. The agent I spoke with on the phone ( on a recorded conversation per their notice on the phone call ) agreed to remove the information from my credit report once I paid the amount in full. I sent the payment over to them last fall, and noticed when I pulled this years credit report that they did not follow through with their agreement. I contacted the collection agency to dispute the account still showing on my credit report and they are unwilling to honor Progressives agreement stating that the Fair Credit Reporting Act prohibits them from removing information from my credit report, which I know to be a perversion of the truth. Not only did XXXX fail to follow through with their agreement after they received a payment IN FULL, the collection agency is knowingly and willfully engaging in actions that adversely effect my consumer profile despite the goodwill efforts made on my end of the bargain. They claim that there was no documentation of the original agreement with XXXX, however, I know that the original phone call was on a recorded line as it was stated by the agent at the beginning of the call and I made sure to clarify that information during the course of the conversation. The evidence is there, it is simply being hidden.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Benuck & Rainey, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX charged {$400.00}, at XXXX XXXX XXXX, without my authorization for a product XXXX XXXX XXXX XXXX XXXX XXXX that retails for {$99.00}. I had disputed the overcharge with XXXX and they refused to respond. More than half has been paid by my insurance and now they have a collector sending me threatening notices. 
How do I dispute an unfair charge, specially one I did not authorize?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I requested a refund from XXXX on XX/XX/XXXX. The funds were immediately sent back to PayPal and PayPal states they returned the funds to my XXXX XXXX XXXX debit card. Problem is, that account was closed around XX/XX/XXXX. XXXX XXXX XXXX shows no funds and stated ( multiple times on multiple calls ) that the transaction would reject and be returned to PayPal. This was not a simple debit card number change ; our account is completely closed. I was told 48-72 hours after the attempt would be when PayPal could see it. Ive called PayPal multiple times with them refusing to do anything, including trace the funds. This is for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I CONTACTED TRANS UNION XX/XX/XXXX AND XX/XX/XXXX IN REGARDS TO THE HARD INQUIRIES ON MY CREDIT AND STATED OUT OF THE 12 I ONLY AUTHORIZED 1, I WAS TOLD I HAD TO SEND OUT A LETTER THAT I HAVE ALREADY DONE IN REGARDS TO THESE CREDIT INQUIRIES ON XX/XX/XXXX I CALLED BACK AND STATED I BELIEVE I WAS A VICTIM OF AN INQUIRY ISSUE AND THE REPRESENTATIVE ASKED WHAT INQUIRIES AND I STATED ALL OF THEM EXCEPT ONE AND HE STATED ITS NOTHING HE CAN DO THE REPRESENTATIVE BEGAN TO GET VERY RUDE AND OBNOXIOUS WITH ME I TOLD HIM TO HAVE A GREAT DAY AND I ENDED THE CALL. 
1. XXXX XX/XX/XXXX AND XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4.  XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8.XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XXXX XXXX   XX/XX/XXXX 11. XXXX  XXXX 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 2021-04-11
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I sent someone claiming to sell puppies a deposit of {$300.00} via cashapp. The deal fell through and the person/business said they would refund my money via cashapp. I sent a request to refund my money and they never did. I reported this to cashapp via their support process which doesn't allow you to speak to someone verbally or via email. No one contacted me from cashapp. I did recieve an email stating they will work on it and i should get a response in a few days. A few days past and i received an email stating it was resolved but no one was contacted or no request for supporting documents nothing!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
I started a XXXX XXXX XXXX  and since business is picking up I deduced to use a more useful way of tracking my payments instead of using cash app. A colleague suggested square so on XX/XX/XXXX I signed up for an XXXX  account to be able to send and accept payments. As your account is created they walk you through steps of adding your bank account and making sample invoices. On XX/XX/XXXX me and a colleague came to an XXXX  agreement that totaled out o be {$3500.00}. She was sent an invoice on this date from square and I believe she paid by ACH from her account. On XX/XX/XXXX square emailed me and stated " you can still continue to accept payments. However, until we can confirm your information, your funds will be held in your Square account. You will not be able to transfer your funds into your bank account and they will not be accessible on your Square Card. '' I logged into my account and it sent me to a page with different questions and link to be able tp upload any documentation. I answered each question honestly and to the best of my ability, I also upload my CA XXXX XXXX, CA drivers license, bank statements, CA Secretary of State papers, and proof of EIN from the irs. All of this info was submitted on XX/XX/XXXX, they sent an email on XX/XX/XXXX that my information is now being reviewed. In under a hour my account was blocked, and I can no loner use any of their services. my 1 {$3500.00} payment they told me will now be on a 90 day hold an i can not get my funds until after XX/XX/XXXX. All of my info and documentation is correct and can be verified. They gave me no other explanation and they also have no customer service so you can not talk to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX have been treated unfairly by this consumer reporting agency and they have been using my private consumer information without my consent. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've not given verbal or written consent to any agency for them to us any information. 15 U.S. code 1681c-2 allows the consumer to block and remove all information that resulted from identity theft, If you follow the guide line which they provide. Please inform them of these rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Unlimited Progress Corp
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We went to court around XXXX, before COVID-19 started. I was trying to recover from XXXX and XXXX XXXX. The original Creditor is XXXX XXXX in which XXXX XXXX  had shared my XXXX records to ( XXXX XXXX XXXX ) without my permission and going against the ( HIPPA ) Law ... I will be sending information in the mail of what he sent me apart of my union bill that explains the work I had done.

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 2021-10-29
Company: Selene Holdings LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Attached is a copy of my mortgage statement. As you can see I am current with my mortgage payment. Selene Finance has added a {$770.00} additional charge to my payment. My loan modification was denied and now they are trying to charge {$770.00} for the loan modification. I don't think it is fair for me to pay my mortgage payment every month and this additional fee. Please look into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
There has been multiple attempts to collect a debt that is not mine by XXXX XXXX. I contacted XXXX XXXX and advised that account was opened without my consent and is fraudulent. I filed a police report and submitted it to their fraud department. XXXX has tried to get multiple credit collection agencies, which have reported to my Transunion, XXXX and XXXX account several times. Each time I challenge the collection and the account is the sold to another agency and the collections goes back on my report. Sometimes it has shown back up with the same credit collection agency. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.

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 2016-11-04
Company: JPMORGAN CHASE & CO.
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Chase cleared a fraudlent check. They did not even check to make sure the cashier 's check was legit until several days later after I had already spent the money. The funds were made available before they even checked. Then I called to pursue this and they told me that nothing could be done. I asked if I could speak to a manager and I was transferred to XXXX XXXX who then told me that he was making the decision not to refund my money. When I asked XXXX how I elevate my concern and appeal the decision, I was told that " We do n't have an appeals process. '' I asked if I could speak to his supervisor and he said, " There is no one available at this time. '' I asked if I could call his supervisor another time and he said no. He refused to give me a phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$0.00} 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 non-monetary relief
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: NC
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 has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 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 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 2021-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I am writing to the dispute the negative information/activity reported to the Credit Bureaus dated XX/XX/XXXX. This action resulted from mismanagement of my financial paperwork by XXXX XXXX XXXX. The situation all started when I called XXXX in XXXX, XXXX to update the bank account information where the installment payment is being taken out each month. I requested to remove XXXX XXXX  and replace it with my new bank account at XXXX Bank. I was told that I can schedule onetime payment over the phone till XXXX send me documents to fill out and return back in order to update the bank information to XXXX for future installment payments. During this call, I schedule a payment of {$370.00} which was taken out of my new account at XXXX on XX/XX/XXXX. In the meantime, I received the document from XXXX, which I had completed, signed, and returned back on XX/XX/XXXX. On XX/XX/XXXX, the bank holding our car loan called me because the amount for the month of XXXX was not paid in addition to XXXX. When I told the bank about the issue, they were able to locate my new account information at XXXX Bank and processed the payments for these two months over the phone. I then found alerts from the Credit Bureaus indicating a negative alert posted by XXXX on my credit and my husbands who is also a signer on the car loan. I called XXXX on XXXX XX/XX/XXXX to question the action and I found out that the document which I signed and received by XXXX on XX/XX/XXXX was not uploaded into my file till 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 2018-02-07
Company: Experian Information Solutions Inc.
State: CA
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:
Frauding scams using my credit files as XXXX listed business Frauding as : : : : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Then frauding scams using my birth certificate long form of doctor listed using XXXX XXXX XXXX as multiple XXXX XXXX Then fraud scams using XXXX XXXX. ( Frauding my immazation record of XXXX county Indiana ) Frauding scams using : : XXXX XXXX in Nevada frauding scams frauding XXXX Indiana Frauding scams using XXXX Indiana Frauding scams using XXXX frauding 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 2022-09-13
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Chase auto finance had a computer error, because i paid the build multiple time at the beginning of summer and the customer service people couldn't fix for serval weeks. so when they did fix it it was the follow month after my next due date. so i never had a chance to pay it because they did have the right amount to pay, they said i owed XXXX some dallors which was false and once they fix it than i owed XXXX, which would have been paid if i knew right amount. 

XXXX XXXX company XX/XX/XXXX inquiry,, never ask them to run my credit its fraud jpmcb bank on XX/XX/XXXX never ask them to run my credit that was fraud XXXX fraud never ask them to run my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-25
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: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX and XXXX are incorrectly reporting a collection in the amount of {$17000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page 15 of the attached credit report. ) This is a duplicate reporting of a third party collection. This item is also being reported on page 9 of the attached credit report. This duplicate reporting is a violation of the Fair Credit Reporting Act and is harming my credit score. These collection line items need to be removed from my credit report. I have contacted the bureaus to fix this issue, but I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  ID ( # XXXX ) with the President 's Office at XXXX XXXX Auto Finance stated the attached application was complete even though undated and allowed XXXX XXXX permissible permission to access my private information which then led to a forged and fraudulent loan in my name. I was truly amazed even when the application states at the top that incomplete applications will not be processed. Attached is a memo I faxed to her attention.

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