BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-14
Company: Experian Information Solutions Inc.
State: FL
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:
My Experian Credit Report showed an unpaid debt from XXXX/XXXX. After multiple attempts to have this error on my report corrected, I sent Experian a final request via certified mail to send me proof of debt or have to remove the error. Attached is the Experians credit report. 

As per all the previous attemot to correct an error in my report, they send the same answer stating : Account charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/2021. 

Experian does not provide any proof of debt, simply sends a one-line response without any validation. 

Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or CAN NOT BE VERIFIED ''.

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 2021-08-14
Company: Experian Information Solutions 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 Noticed a couple accounts and inquiries on my report info not recognize

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 2020-11-12
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: Information belongs to someone else

Complaint:
I was alerted by Experian ( the credit reporting agency ) that I had an update to my credit score on XX/XX/XXXX. I logged in to find that my score had dropped 134 points. I see that two accounts by the name of XXXX XXXX XXXX were opened in XX/XX/XXXX in my name in the amount of {$680.00} and {$530.00}. Apparenty these now are in collections. I called Experian to report fraud and was advised to file a report on ftc.gov but due to the nature of the fraud, I was redirected to this website to file a complaint. It should be known that I do have an open federal class action case against three individuals who stole my mails along with thousands of others and were opening cards.

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 2020-06-27
Company: EQUIFAX, INC.
State: VA
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 accounts listed are unknown to me. My information was stolen and I have been complaining for years. SEND ME PROOF OF MY SIGNATURE WITH THESE ACCOUNTS SO I CAN SUBMIT IT AS EVIDENCE OF FRAUD. REMOVE THESE IMMEDIATELY!! 

XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$1200.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$470.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX - XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$1800.00} XXXX XXXX XXXX Opened DateXX/XX/XXXXBalance {$0.00} XX/XX/XXXXXXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX Opened Date XX/XX/XXXX Balance {$0.00} Bankruptcy Discharged CH-XXXX Reference Number XXXX Amount {$0.00} Bankruptcy Reference Number XXXX Amount {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: SYNCHRONY FINANCIAL
State: MN
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:
I paid {$2000.00} of my Paypal Mastercard XX/XX/2018. While the card issuer accepts this, as of XX/XX/2018 the amount has not been applied and I'm told it takes 7 days. This is an unnecessarily long delay since the money has been paid by my bank XX/XX/2018 and results in the bank/credit card company holding {$2000.00} interest-free and denying my use of the funds with my credit card because they keep it unavailable.

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 2018-04-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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:
XXXX stating there is no account reporting by them. But XXXX as confirmed there is and the collection agency that XXXX sold tthe account to is portfolio Recovery I want this company to take this account off my reports this is not ok i have filed claim with fair act credit reporting agency and attorney general because this account was fraud and i have told this to original credittor XXXX and portfolio recovery but they sent me documents that my account was closed and will be removed off my reports but yet iit has been on there. i want somone to look in to this XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I sent using XXXX XXXX to a person for a personal matter, since the money was never available immediately, I took care and sent money using a different app BUT the original XXXX that I sent using XXXX by capital one until this day the payment status says sent and not delivered. The person never recieve the money and the money was deducted right away from my account. I place a claim with capital one bank and all they said was the claim was denied because there was no error in the transaction besides the fact that I don't have the money and the person never recieve it? Really? They gave me XXXX  phone number and told me to contact them. They know very well cause I most not be the first person with this type of issues that there's not such a thing like XXXX customer service, that number all it says to contact your bank if any issues. This is outrageous!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
In XXXX I got an American Express XXXX card at my local XXXX. Everything was fine until late XXXX. I had my banking debit card linked up and had an automatic transfer of {$2.00} per day and one day I made an extra {$20.00} transfer ( Id give exact dates but I can not get into the account anymore ). I had issues logging in and was like maybe the site is down. I called that evening and was told that I had to do bank verification for the card, which made no sense because they were claiming that the {$20.00} deposit was suspicious activity. A deposit, not a withdrawal or charge. The way the they wanted the bank verification was suspicious and they said it was required to continue using the card. I declined since it was weird how they approached the situation. I was escalated twice to a manager who said in 7-10 days my account would be fully closed and a check mailed out for {$12.00}. It has now been over a month and a half and I still get alerts that the money is with American Express and that they are still attempting to debit {$2.00} every day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested a debt validation letter from XXXX XXXX XXXX  Upon receiving this verification, I noticed that my name and address were wrong. I started a dispute, without any supporting documents, they decided to not remove the debt and continue reproing 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 2020-06-27
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
After multiple and repeated attempts to contact the seller ( XXXX   purchase ) without success I opened a case with paypal ... I told them of the legitimacy issues with the watch in question after having spoken to XXXX XXXX, the former head of XXXX XXXX XXXX watch department, XXXX XXXX a world renowned vintage watch expert, XXXX XXXX, a respected internationally known dealer in vintage watches, XXXX XXXX XXXX XXXX watch appraiser with XXXX XXXX, XXXX XXXX who previously was the watch appraiser at XXXX XXXX, XXXX XXXX a purveyor of vintage XXXX watches in the XXXX XXXX as well as XXXX XXXX XXXX who authored two of the most respected books on Vintage XXXX watches and all agreed that this watch was never offered in a gold filled case or as a monopusher as the seller had advertised in being 100 % original..!!! ... I didn't become suspicious until I wanted to get an appraisal of the watches value ... The first 6 months in possession of the watch I spent having it serviced, cleaned and oiled as well as having parts replaced that were not correct ... .The next few months I spent speaking with and communicating via email with the above mentioned experts ... .I sent the watch back to XXXX a month ago ( XX/XX/2020 ) ...!!! ... I have a video of it being packaged and photos of it being dropped off at XXXX the only company who would deliver the watch ... USPS and  XXXX refused to deliver packages to XXXX XXXX because of rampant theft, violence in addition to the pandemic ... I was unable to insure the package for more than {$800.00} because of the import restrictions in XXXX ... .It 's outrageous that I was given a provisional credit for the purchase only to be told I didn't have a valid claim by XXXX ... So last week I not only was told the money was going to be removed from my account but the FRAUD of a watch was out of my possession as well ... This complaint against paypal started on XX/XX/2020 ... .I intially opened a claim for fraud on this date ... .Upon checking into my account nothing was registered in the resolution center ... .I subsequently opened another complaint within days only to be told after approximately 40 email and chat exchanges that I needed to send the watch back to XXXX that the paypal buyer protection didn't extend past 180 days ... So I lost the money for paying for the FRAUD of a watch and was told by paypal to send the watch back and I don't have the watch any longer ... I escalated a claim with XXXX XXXX to the executive office and and was initially given a provisional credit by XXXX ... I reported the FRAUD to XXXX   but in their infinite wisdom interpreted by issues with paypal as an unauthorized transaction something I never intimated ... .My issues were solely based on the FRAUD of a watch ...!!! ... .XXXX then removed the provisional funds from my account ... .Additional information will be provided upon request ... XXXX XXXX XXXXXXXX ... .

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-31
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I made a XXXX  payment of {$420.00} with my Wells Fargo checking account on XX/XX/2018. I never received the product that I paid for despite multiple emails and calls. When I called Wells Fargo, I was told there was nothing that could be done ; they dont provide any protection for transactions via XXXX even if my bank account was used.

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 2020-12-17
Company: Experian Information Solutions Inc.
State: GA
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 have sent out letters and contacted the bureaus several times in regards to incorrect information. I believe my information was affected from theXX/XX/XXXX data breach. this incorrect information on my credit report is devastating because I cant get anything. Please help correct this problem.

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 2020-05-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/XXXX I recieved an email from my bank ( Chase ) saying that they were assisting me to access my whole stimulus check because my account was overdrawn {$410.00}. Which I never asked for, but I didn't know I had to pay them back within 30 days. So they " removed '' that money from my account on XX/XX/XXXX. I had a little under {$200.00} in my account on XX/XX/XXXX, and in the morning on XX/XX/XXXX my account was overdrawn by {$220.00}. I tried calling my bank, and the woman I spoke to said they couldn't help me, its a policy that they just do this. Even though I didn't ask for the assistance, and the woman also told me " you shouldn't have used the funds then ''. And didn't offer any other kind of help, when I went into the branch an hour later they basically told me the same thing. They couldn't help, it was something that they did. And that I could've done payment plans, but i was unaware of having to pay them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is a second complaint. PennyMac has stated they denied my modification in prior CFPB response because I have not made 12 payments on the loan. This is not what their customer service rep stated and what their denial letter states. " We are unable to offer you a modification because you obtained your loan within the last 12 months. '' I was advised by origination date verbally on the phone and told to reapply in XXXX and both denial letters to do not reference having not made 12 payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: FIRST MIDWEST BANCORP, INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
When working with the company. I incurred an overdraft fee. After calling them and asking them to disable the overdraft protection on the account, they told me that even with the overdraft protection disabled, they would still charge a fee for each transaction that was returned ( confusing terminology meaning that the transaction was denied according to them ) due to insufficient funds. 

What is the point of disabling overdrafts if you are still getting charged. There is no cost to denying a transaction and no money loaned on their part. This seems like a predatory way to gouge people with fees.

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 2018-06-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My name is XXXX XXXX. I have been bank with Chase over 40 years. I am XXXX years old and half XXXX. Currently chase close my checking and savings without any notification. I dont have any prior notification before closing. My branch I always visit is Chase XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, CA. The bank manager : XXXX XXXX did not help me as a XXXX person. She always mistreat me bad and didnt let anyone to help me with my banking transactions since I am half XXXX. I am sure the reason my accounts are closed because she retaliates against me since I raised a lot of concerns for not being help as a XXXX person. I need more explanation why they treats me worse as a XXXX   person. I feel they violate my right and my XXXX. Also the other banker XXXX, she always refuse to help me. I try to reach to the bank area manager and she also returns no call. I need your help and You may reach me at my cell : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: HI
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
While on vacation out of the country, the local branch of One Main financial attempted to contact my phone repeatedly every 10 mins. Then contacted my mother in Oklahoma. This is harassment and unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-31
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX sent 33 pages to Wells Fargo at one time to begin with that i filled out which included bank statement, proof of my income and itemized lists of my bills etc and copy of tax return etc.. 

Over time more copies were sent. of other requests from them, Nothing ever happened as far as response from Wells Fargo, i was hoping to get a lower payment which the options were {$500.00} to {$900.00} but after all the paperwork etc i sent them i was not offered anything. 

I talked to XXXX XXXX My Executive Support Specialist assigned to me XXXX and he said he moved up the closure date from XX/XX/2019 to XX/XX/2019 to get everything through to save my losing my house ( XXXX ) start making a reduced payment every single month ( which i will do )

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 2020-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I filed a previous complaint with you ( CFPB ) and all information in that complaint was TRUE and ACCURATE # XXXX. 

Then, Transunion replied with lies and you closed my complaint, well I am submitting another complaint because what TransUnion replied with was FALSE information! I sent my original dispute with a COLOR photocopy of my social security number and with a COLOR photocopy of my driver 's license with address, and a clear and legible letter disputing my credit report. I even had the letter certified with a return label ad signature, which they stamped and received FROM ME! I then responded with a no response letter the same way, so there is no way that it was not clear that it came from me. This company did not respond in over 45 days and accounts disputed on my credit report should be cleared asap! They are now lying to you ( insulting your intelligence ) and stalling trying to avoid clearing my account after they defaulted by NOT replying to my request. I have proof of all of this and I demand that my account with TransUnion be cleared asap because they have violated multiple laws according to the Fair Credit Reporting Act ( FCRA )! I can not believe how a company would go through great lengths to LIE to prevent from doing what is right! I waited to see what the response would be so I will be taking further action and getting a lawyer to SUE all parties involved with this clear violation of the law. And I WILL WIN because I HAVE PROOF of all transactions! How can this case be closed based upon a LIE!?? 

Now, they have responded to you trying to imply that they received information from a THIRD party, but replied to me stating that the information was not legible so which is it?? Then you ( the CFPB ) just closed my last complaint # XXXX, based on the LIES they told you. MY LETTER says one thing, and what they responded to you with says another. A copy of THAT letter is attached. Based upon that alone shows that TransUnion is not truthful and is violating the laws of this country that we all are required to follow! 

Thank you for your attention to this matter!

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 2018-12-31
Company: Credit Protection Association, L.P.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
ON XX/XX/18 AT XXXX, I GOT A CALL FROM CREDIT PROTECTION ASSOCIATION . THEY LEFT A MESSAGE WITH THE MINI MIRANDA. I  WORK IN XXXX XXXX AND I KNOW FOR A FACT UNDER FDCPA REGULATIONS, THEY ARE NOT ALLOWED TO LEAVE MESSAGES. I AM NOT DISPUTING THE DEBT, I HAVE ALREADY PAID THE DEBT AND HAVE PROOF.

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