BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-06
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
XXXX XXXX XXXX sent me a letter denying me credit based on Serious deliquency and public record or collection filed. Proportion of balances on credit limits on bank/natl revolving accts or other rev accts to high. Length of time accounts have been established. Too many inquiries last 12 months. 

The reports they used to make an analysis on my credit is erroneous and violates the fair credit act can not be 100 percent verifiable. I need to know what reports this bank used to make their analysis. They only stated Experian was the source. This is a red lining tactic done by this bank which is illegal.

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 2021-11-02
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
unknown phone number XXXX text messaged on XX/XX/2021 " PayPal : An unknown device trying to access your account : location : XXXX IP adress ( sic ) : XXXX Navigator : XXXX  ( XXXX  ) Please confirm your information for security measures : XXXX  : XXXX/ '' I do not have a paypal account. 


Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2013 with an amount of {$12000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-18
Company: U.S. BANCORP
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XXXX I deposited an XXXX distribution for {$3000.00} to my bank, U.S. Bank. The next day I saw in my online account that it had posted to my account. I presumed it had gone through processing overnight. I wrote payments through the same account to pay for two insurance policies. The next day, XXXX I saw online that a hold had been placed on the check. I called US Bank and was told it was because they did not think that the check /from my XXXX would clear. After calling again on Saturday, and then Tuesday XXXX I finally got to the right department at US Bank, " XXXX ''. They repeated that it was a suspicious check. He said they believed it would not clear because I did not regularly deposit {$3000.00} checks! But when I asked them if it had yet cleared, he said " we do n't have access to that information ''. So it was pretty clear that this was not evidence based, but simply a policy of arbitrarily holding funds without reason. They finally released the funds seven BUSINESS days later.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: MoneyLion Inc.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In early XXXX I discovered that my identity had been stolen by a XXXX XXXX in XXXX, XXXX. I looked at my Moneylion bank account, among my other accounts, and discovered that {$990.00} in unauthorized transactions had been made. On XX/XX/XXXX I informed Moneylion of the charges and issued a dispute as well as filing a complaint with the FTC. On XX/XX/XXXX Moneylion closed my account citing DDA, refused to issue any refund for the charges, and refused to send me any copies of my monthly statements that I require for tax and welfare purposes and do not have as they were only kept digitally. I have sent a dispute letter to Moneylion as of XX/XX/23 and they have signed for it and recieved it.

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 2019-05-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Greetings, I have been fighting all three reporting bureaus in regards to them reporting on my credit file three accounts that has nothing to do with me whatsoever. They are reporting two accounts with XXXX   XXXX XXXX credit card, which I never applied for and also XXXX XXXX which was XXXX in my bankruptcy in 2013. I was not living in the country and I have submitted proof of my passport with visas stamped showing the month and year out of the country and returning in the country as well. This is getting very frustrated and unjust in the part of these reporting agencies that are abusing citizens. They are the main one allowing for customers to be scammed, being taken advantages of by selling our information and not protecting men and women. They also are reporting a bunch of inquiries on my account, however I was able to remove all from Experian but XXXX and XXXX are the worst reporting inquiries that are fraudulent and when again I was not in the country for several years due to medical issues. I need your help please, even on making an action lawsuit against these companies please.

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 2018-09-11
Company: AES/PHEAA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened my new American Express Platinum card on XX/XX/2021 with a special offer they had on their website through XXXX. The terms were : spend {$5000.00} or more within 6 months and receive XXXX bonus points, 20 % back on restaurant purchases within the first 12 months up to {$300.00} back, and earn 10 points per {$1.00} spent on all grocery and gas purchases. I have spent over {$10000.00} on the card, much more than the minimum of {$5000.00} required and have not received my XXXX welcome bonus on any recent statements. I have also spent over {$1000.00} on grocery and gas and have not received the 10 points per {$1.00} bonus, and I have spent over {$1000.00} on restaurant purchases and have not received any of the 20 % back credits listed in the offer.

I have reached out to American Express chat and technical support about a dozen times and have not received any of the 3 bonus terms mentioned. They all say we're working on it, we're sorry for the inconvenience, and that they're experiencing technical problems. Meanwhile, they refuse to offer me my XXXX welcome bonus, my 20 % statement credits, or my 10 bonus points per {$1.00} spent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-06
Company: Google Compare Credit Cards Inc.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2019 XXXX AM CDT, I used Google pay transaction XXXX to transmit XXXX XXXX XXXX {$100.00} for goods invoiced via XXXX XXXX and invoiced via Google electronic mail. 

After contacting the recipient five times with no delivery of goods or status provided, I requested a refund via Google Support inquiry [ XXXX ] on XXXX XX/XX/2019 XXXX PM XXXX. After a cursory review lasting less than 11 overnight hours, Google opined on XXXX XX/XX/2019 at XXXX AM CDT that " no system error or other unauthorized activity was connected to this transaction, so we cant take any further action. '' Google pay supported fraud and theft via their telecommunications and financial credit processing system, acting as an accessory to the crime after the fact. Google chooses to make no amends for illegal activity occurring with their financial support and benefit to Google pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Regional Management Corporation
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
XXXX XXXX XXXX of Regional Finance is in violation of { 15 U.S.C. 1692 }. He call my phone an about debt I do not owXXXX XXXX XXXX in the morning. He keep stating that he want me to file fraud charges on an unknown person. He accused me of lying when I showed him letter from XXXX XXXX. He is in violation of { 15 USC 1611 } willing & knowing committing illegal act. 

PDF is in filled of proof includes call log screenshots, letters, cfpb screenshots

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: Delta Management Associates, Inc.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX XXXX began calling me and threating to contact my new Employer with Wage Garnishments! He said they would begin if I did not immediately. I told him I just got this job and he said that he had a program for me, he lied claiming to represent The Government had me sign up for some bogus service he led me to called XXXX   XXXX XXXX, I cant get him on the phone, this is racism! I had to spend money to print pay stubs and forms then he told i could upload 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 2022-03-29
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This collection agency keeps adding this Fraudulent collection account to my XXXX credit report after XXXX keeps deleting the account I spoke to the collection agency and the only thing they have is a copy of an electronic contract with my name and a supposedly signature which is also an electronic signature not an actual signature or a photo ID which an electronic contract is not an actual proof that a debt belongs to a person they also keep adding the account to my credit and keeps getting deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Jefferson Capital Systems {$520.00} XX/XX/2016 Original Creditor was XXXX. This charge was fraud. I submitted documentation showing the fraud, XXXX removed the debt from my credit report. Jefferson Capital refused to remove the debt from my credit report. The charges are fraud and need to be removed immediately. I have contacted them, I submitted a fraud investigation to all 3 credit bureaus, Jefferson Capital is still insisting this is my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2022-12-14
Company: Experian Information Solutions Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DEAR EXPERIAN! 

The company XXXX XXXX XXXX ACCOUNT # XXXX has been harassing me with letters, phone calls, etc. With numbers that are from my area code to get me to answer. Each time it has been worse and worse with the debt collectors being rude and demanding to setup payment plans. They have been reporting my debt to the credit bureaus as well. I have just recently been updated that they are reporting false information to my credit history and continue to report falsely via mail. This company is only reported on Experian. I need this account to be removed from my consumer report. It is causing me stress and making my life so hard to with this account on my consumer report. I have asked them to send me an agreement with them where I had signed a contract with them and they send me something in the mail that I don't even understand what is it. I NEED THESE PEOPLE OR DEPT COLLECTOR TO DELETED FROM MY EXPERIAN CONSUMER CREDIT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
So far since 2017 I have been paying this {$3000.00} debt. 
I fell behind one time because loss of job. But I told them that too but now have been paying {$270.00} every month for 4 years almost. I paid over $ XXXX in payments already. 
I need to get out of this please help. I had no clue it was daily interest of 100 % Thank you I talked to them and still i have $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: 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. 

1.XXXX XXXXXXXX Credit Card Opened XXXX, XXXX XXXX Account # XXXX Limit {$500.00} 2.XXXX  XXXX Credit Card Opened XXXX, XXXX XXXX Account # XXXX Limit {$300.00} 3.XXXX Credit Credit Card Opened XXXX XXXX XXXX XXXX Account XXXX XXXX Limit {$1000.00} 4.XXXX  Opened XX/XX/XXXX Account # XXXX Limit {$250.00} 5.XXXX XXXXXXXX Credit Card Opened XXXX, XXXX XXXX Account # XXXX 6.XXXX XXXX XXXX XXXX XXXX Account # XXXX Limit {$400.00} 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 non-monetary relief
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious uncooperativeness. I'm including the items which still remain on my credit report : 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-11
Company: EQUIFAX, INC.
State: AL
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:
On XXXX Ive sent disputes regarding unknown and inaccurate accounts but it's over 30 days today I haven't received a response. I was a victim of Equifax data breach. I demand to remove those accounts from my credit report or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Early this year SETERUS changed their payment coupon making it impossible to allocate funds in excess of the normal monthly payment ie ; the ability to direct the funds to the monthly payment and the excess to the principal. I normally pay in excess of the monthly payment and since the coupon change SETERUS has misapproprited my funds, ,assessed late payments and wasted hours with me on the phone addressing these issues on nearly a monthly basis since the first of the year. 
My most recent payment was in the form of XXXX checks, XXXX for the monthly payment and XXXX for the principal. SETERUS is now holding the entire amount in suspense ( unapplied ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
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: Billing dispute for services

Complaint:
In XXXX of XXXX I applied for forebearnce with Chase Credit Card Services due to Covid and impact to income. I spoke with Chase in XXXX, XXXX and XXXX of XXXX and was advised I was on forebearance and my credit would not be affected. Having my credit report run in XXXX of XXXX shows all late payments were reported to the credit agencies against what was advised by Chase bank. 

After speaking with 4 different people at Chase, with acknowledgement this was a Covid hardship situation. When I requested copies of the phone logs indicating these conversations took place I was advised I would have to supena the information. While this information was validated on the phone with 4 different departments, they would not provide the documentation to me. 

The intent of the CARES Act was to prevent this time of issue from happening during a world wide lock down.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have made several attempts since the year XX/XX/XXXXto make U.S. Bank aware of my difficulties in pying off my credit card, but for the most part, U.S. Bank has ignored my efforts to contact them which is truuly unfortunate becuase I have the feeling U.S. Bank is  stringing me along to make their Bill larger. I previously had made the mistake of engaging XXXX  XXXX XXXX in XX/XX/XXXX hoping XXXXr XXXX would assist me by contacting U.S. Bank and other creditors ( XXXX XXXX, XXXX ... ) but they did not contact U.S. Bank. XXXX XXXX XXXX ( a real disadvantage to unwitting consumers so I learend ), wilfully neglected to call U.S. Bank to inform them of my difficulties, I had lost my employment in XX/XX/XXXX after working for the same Employer for almost 20 years ( I filed an age discrimination, gender discrimantion Human Rights Complaint locally in New York ), my beloved Mother in Law of 35 years was diagnosed with XXXX  XXXX in XXXX, XXXX, and saldy, she died two months later on XX/XX/XXXX. I was her XXXX XXXX. My Wife previously had XXXX XXXX ( part of her intestines were removed ), and she suffers from severe XXXX. U.S. Bank does not respond to my telephone calls and letters previously sent to them. They behave high handedly, and smugly ignore my pleas. I am at a loss at what to do becuase I want to settle the account with U.S. Bank, but they must be reasonable, and realisitc. I do not owe {$5000.00} and I pray U.S. Bank will ackknowledge this since they over inflate their interest rate so that people like me pay a King 's Ransom in very high interest, and never finish paying up. I seek your assisitance to garner U.S. Bank 's attention. I am acting in good faith, seeking to settle my account ending in XXXX. I am not absocnding on my obligaiton becuase I am an honorable person.

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