BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-08
Company: Experian Information Solutions Inc.
State: GA
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:
Experian continues to report false as well as fraudalent information on my credit report.Dispite me disputing multiple accounts for years they refuse to follow the law as according to Fair and Accurate Credit Reporting Act. 
1. XXXX was never late and they continue to report false information. 
2. XXXX XXXX was opened fraudalently and they refuse to remove it. 
3.XXXX  XXXX XXXX  was never late and despite me faxing this company proof they continue to report false information. 
4.my credit age is wrong I have a XXXX student loan open for 18 years Experian never reported any payments 5. Experian is showing all of my open XXXX student loans as closed with a balance.

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 2019-10-13
Company: EQUIFAX, 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 don't recognize this account. I never applied for it, I don't have any contracts or agreements with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
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 don't recognize this account. I never applied for it, I don't have any contracts or agreements with this company.

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 2018-01-30
Company: AES/PHEAA
State: CA
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:
This is a continuation of my most recent complaint I just made this evening as well as Responding to XXXX Letters in regards to my last complaint. 

Now please mind you it's been two years since I last had a complaint. Things were going well, and I was just making my payments. 

XXXX can not leave well enough alone and has to find a way to put a wrench into the gear and create problems. Funny how they have to use a forbearance ploy to up my interest which is another lie, as I was told by their reps that only once a year in XXXX was I to see any increase. 

The plan once again, that I am under is a XXXX XXXX XXXX plan. NOT an extended level plan they speak of. 

Fixed means fixed that is the standard banking term, period. 

I would also like to address my " vulgar and abusive language. '' First of all, I do not work for your company, therefore my behavior can not be construed as " unprofessional, '' Second of all, your employee XXXX # XXXX blatantly lied to my face and said the Department of Education placed my account in Forbearance because I live in a " Disaster Zone. '' Really? And what disaster zone would that be?? 

She could not tell me. 

Your reps with their lies, your ploys to increase monthly payments, toy with those under your thumb, lead to anger and hostility because one can not believe the pile of XXXX that comes out of your representatives mouths. So to the Director of Loan Operations. 

Please cease and desist with your utter lies, and extremely Decitful UNPROFESSIONAL BEHAVIOR and perhaps people and myself would actually have more respect!!! 

You have placed me under such mental anguish that once I receive a letter from you it automatically sends me into a mental tailspin. I am surprised I have not yet had a XXXX XXXX and if I ever do, you will be the cause. 

You treat me with respect then the same will be reciprocated. Otherwise back off. You understand. 

You make any changes to my account without my consent and I will be on you like flypaper. And if you think I am one inkling afraid of you. Guess again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2019-10-13
Company: Experian Information Solutions Inc.
State: MA
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:
Hey, I need serious help in understanding this investigation. There is no way that you are conducting an actual investigation on this auto account I have with the XXXX XXXX XXXX. There are still several inaccuracies with the way this account is reporting on my credit report. There is no way that the same auto loan account would report 3 different negative items to the 3 major credit bureaus. Did you see the attachments? There are severely inconsistent with the payment history, DLA, DLP, questionable balance, account type. It should be " CREDIT SALES '', not " Auto Loan '' ... ... .Also, The first late payment listed on this account is wrong and you need to remove this account. Creditor stated they would remove this after payment and its still on my credit report.

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 2019-01-21
Company: SYNCHRONY FINANCIAL
State: NY
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:
My credit report shows 7 hard inquiries to my credit by synchrony. I have never given written, signed or verbal consent to this company to do a hard inquirly to my credit. 
syncb/XXXX- XX/XX/XXXX and XX/XX/XXXX syncb/walmart-XX/XX/XXXX and XX/XX/XXXX syncb/gap-XX/XX/XXXX syncb/ppextr-XXXX syncb-XX/XX/XXXX I also have 2 hard inquiries by a company named XXXX that I have never given written or verbal consent to do a hard inquirie into my credit. 
XXXX XXXX- XX/XX/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 non-monetary relief
Consumer complaint received 2019-10-13
Company: EQUIFAX, INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried numerous times to tell all reporting agencies that the debt with XXXX was not mine and that I never even lived at the address listed. I was also part of the Equifax breach. The name listed on the account is not my name, so now I have a copy of my lease!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
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: Personal information incorrect

Complaint:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2019-10-13
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: Paypal Holdings, Inc
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Paypal uses a verification process that has effectively locked me out of my account. In this account are banking account and credit card information.

This verification process relies on one thing and one thing only : sending a text ( sms ) message with the code to the primary phone number on the account. My phone on record does not accept sms/text messages.

I have contacted the company several times and been told that there is no technical support owing to the Pandemic and that they can not help me and maybe it is a problem with the phone company. These are not accurate statements from Paypal, and there seems to be no way to communicate with Paypal to get them to see the issue for what it is and what else could be instead of what they have created. What is more is that where I have 2-step authentication in play, Paypal
is not using that information on record to provide verification codes -- and it is not an option. In fact, Paypal does not provide another option besides their one and only way : primary phone number on record. 

Banking institutions that provide online services, such as XXXX, and other account providers, such as XXXX, have evolved and use and industry standard that offers 3 options and for the customer to be able to select each time they want to do a verification code process for security : Via text, via phone call, and via email -- all using customer  data on record. If Paypal had used these already, I would be able to get into my account already ; and I have been locked out for months with no way to get into my account that Paypal customer service people could provide. 

This same verification process is required to reset the password on my account. I am greatly concerned that I have no way to log into my account they way they have set-up their security verification process, and therefore I can not monitor or view anything going on with my account until they alter their way of providing verification. This is not tollerable, and I've seen other customers have complained online as well. 

This complaint is to use this process to get Paypal to deal with this issue that they have caused and has locked me out of my account that contains my personal financial data. In addition, Paypal requires a person to log in to chat, and makes contacting a live person extremely difficult. These processes in place now at Paypal can not stand as they have financial information and must be held to a higher level of accountability given the impact to customers like me!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2019-01-21
Company: Experian Information Solutions Inc.
State: CA
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 filed Chapter XXXX bankruptcy at the end of XX/XX/2018. 

All of my credit cards were closed as of the end of XXXX ( by either myself or the credit issuers ). 

I was not late on any account prior to filing Chapter XXXX. Both XXXX  and XXXX  are accurately reflecting my payment history, closed account status, etc., BUT NOT EXPERIAN. 

Even though I filed in XX/XX/2018 and all of my cards were closed and never late - Experian is reporting 17 different late payments. What Experian is deceptively doing is counting every account I included in bankruptcy as a late payment in the month of discharge ( XX/XX/2018 ). 

They are violating FCRA, and my next step will be to attempt to get a ruling of {$1000.00} for each inaccuracy in a court of 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 explanation
Consumer complaint received 2019-10-13
Company: Radius Global Solutions LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: DISCOVER BANK
State: DC
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 received a letter from Discover ; the letter informed me they issued me a form 1099-C for  the year ending XX/XX/XXXX and, after a review of the account, the form was issued correctly. 

First, I never received a form 1099-C from Discover for the year ending XX/XX/XXXX. 

Second, I should never have received this form in the first place - I didn't open the account, and I never spent on the account, so there was no income that I received - because I never opened the account and never benefited - in any way - from this account being opened. 

Apparently they are " still '' investigating this account as a result of my sharing documents that confirm that I was not living at my then home address then they issued the card, and their claim that they called me to confirm my application is untrue. Based on their statements, this investigation should be coming to a close and I should be vindicated. 

This letter about the 1099-C must be recinded when this investigation officially vindicates my claims of this account being opened via identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: Amsher Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company is reporting this incorrect debt under two different company names using same address out of XXXX fl. XXXX XXXX and XXXX XXXX. They are also reporting the account is less than a year old under XXXX XXXX  and 3 years old under XXXX XXXX. The original account was with XXXX more than 15 yrs ago when XXXX  bought XXXX. The account has been closed more than 7yrs because of charges by XXXX that were incorrect which lead to the termination of relationship with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am the XXXX  and XXXX of the XXXX XXXX, XXXX XXXX XXXX , XXXX Chase bank closed my account based on fraudulent documents and accusations from two board members and a fired management companys false accusations against me. I have Bylaws and a registered document with the state of California the proves my position as XXXX=> I am allowed to hire/fire ; receive FAIR compensation for my role as XXXX  and make legitimate OPERATIONAL purchases for the business = ALL of which I have valid proof of, yet I was falsely accused by a FIRED MANAGEMENT COMPANY AND TWO TERMINATED BOARD MEMBERS OF MAKING FALSE PURCHASES AND illegally receiving a paycheck! Completely crazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Experian Information Solutions 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:
These accounts are not mine and I have disputed this information multiple times.

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 2022-10-04
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On Friday, XX/XX/2022, I purchased a Vanilla Visa Gift card in XXXXXXXX XXXX  I loaded {$290.00} on it and intended to use it for our trip to XXXX XXXX XXXX. I was only able to make 3 small purchases with it all totaling no more than {$45.00}. This was due to a fraudulent charge to a clothing company in XXXX for {$250.00}. I immediately contacted the customer service number on the card and was told that I could not start a dispute until AFTER the charge was no longer pending. I asked to speak to a supervisor who told me that she could not stop the charge or dispute it until after the thief successfully stole my money. And then I would have to call back to start the dispute which could take 7-15 business days to complete. And I would only receive another card if they determined that I did not make the charge. I purchased the card in XXXX it was physically used in XXXX. The fraud was committed at a store in XXXX. So I waited for the charge to no longer be pending and called back. The employee I spoke to this time told me that I couldn't dispute the charges for an additional 45-90 days as they waited to see if the money would be returned to my card. I told them that the thief i snot going to return my money and advised him of what I was told by a supervisor the previous day. Also, since speaking with the supervisor on XX/XX/XXXX, I am no longer able to check the status of my card online nor am I able to use their automated services. The online site tells me that there was an error with the system and to check back at a later time and the automated service says that there is something wrong with my card and I would have to speak to a customer service rep. And also, when I called the second day, I asked to speak to a supervisor again and was told that one wasn't available to speak to me and that they would tell me the same thing. I just want another card issued with the {$250.00} that was stolen from me. I went through their chain of command and made several attempts to resolve this issue the way I was instructed. I'm not asking for anything other than what was stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: MoneyLion Inc.
State: UT
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:
XXXX the ticket I issues in on XX/XX/XXXX to update my payment method. I received a response tht my ticket was escalated. The next day my ticket was closed. I messaged the supervisor XXXX who advised me tht she would be taking the issue to the manager over customer care XXXX. I have yet to hear anything bn in regards to my ticket request for an update. My app doesnt even show where my account is at and when I call I either get hung up on, hold for almost an hr, and the form online continues to resolve my tickets when they are not even resolved. I was just hit with 51 points dropped on my credit due to MoneyLions lack of communication. This is no where my fault and I demand tht this be deleted off my credit. I did my part to request my payment to be updated but no one was ever able to assist me. Ridiculous.XXXX is my other ticket number where I had no help

Company response to consumer: Closed with explanation