BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-28
Company: Experian Information Solutions 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:
Send several certified letters with tracking numbers asking to verify debt and the credit bureau has completely ignored and have not provided a contract or anything with my signature has not been provided regarding XXXX XXXX. my last letter i send is attached to this complaint and has been ignored.

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 2021-02-24
Company: EQUIFAX, INC.
State: WA
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 have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: CITIBANK, N.A.
State: VA
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:
XX/XX/20 - PAYMENT OF {$7200.00} MAILED UPS TRACKING # XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/20 - PAYMENT DEPOSITED - I HAVE A COPY OF THE DEPOSITED CHECK XX/XX/20 - LETTER SENT TO CITI BANK ADVISING MISSING PAYMENT ACCOUNT NUMBER XX/XX/20 XXXX CALLED CITI TO FOLLOW UP ON MISSING PAYMENT XX/XX/20 XXXX CALLED CITI TO FOLLOW UP - WAS ADVISED A PROVISIONAL CREDIT WOULD BE PLACED DURING THE INVESTIGATION HOWEVER NO CREDIT HAS BEEN PLACED AND CITI STILL HAS NEVER CONTACTED ME ABOUT THE DISPUTE. IN THE MEANTIME I HAVE RECEIVED INTEREST CHARGES AND A LATE FEE.

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 monetary relief
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being XXXX  % accurate under 15 US Code 1681e ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: Experian Information Solutions Inc.
State: ND
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 'm a victim of identity theft. My XXXX XXXX XXXX credit card has been lost, stolen and compromised. All of the charges on the account is fraudulent transactions. I never used my XXXX credit card account : XXXX. All of the charges are fraudulent transactions and unauthorized.

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 2021-04-10
Company: Revco Management, LLC
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested paperwork to verify the alleged debt and they responded with my private medical information, without a signed release form, which is a clear violation of HIPAA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-07
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Today on XXXX I called AMEX ( American Express ) and Agent XXXX didn't verify my PIN number on the account before I proceed with the question. As I'm victim of identity theft and few months ago Fraud department from AMEX issue a new card to me and add the PIN #. When I asked agent why she didn't asked me for the pin, XXXX answered that is not necessary since I have a basic question ( disputing the charge ), after waiting of 20 min per my request call was transferred to the Supervisor XXXX. ( who are all located in XXXX ) stated that is not important my PIN to be verified if PIN was added long time ago ( which was added few months ago by fraud dpt. by AMEX ) As I'm concerned about my security looks like AMEX cust are not saved anymore. 
I bring to SV attention that AMEX customer Service was listed as # 1 and unfortunately I can't say that at the moment are # 1 she stated is there anything else that she can help me and hang up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
SINCE 2019 I HAVE BEEN SENDING PRIVATE NOTICES LETTER TO THE CREDITS AGENCIES, UNFORTUNALLY THEY HAVE NOT ANSWERED WHAT I HAVE REQUIRED FROM THEM AND HAVE CONTINUED COMMITTING FRAUD WITHOUT DEMONSTRATING WHAT IS REQUESTED, NO PROOF OF DEBT, PLEASE SEE ATTACHED LETTERS SEND AND CONFIRM BY GENERAL POST OFFICE BY FORM 3811 FOR THE MOST RECENTLY LETTERS. THIS ERROR MUST BE REMOVED, DELETED FROM CREDIT REPORT IMMEDIATLEY, OR I HAVE TO FILED FOR DAMAGES

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 2023-02-09
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: Account information incorrect

Complaint:
wrong information is reported in 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 2021-04-10
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX XXXX XXXX was allowed to add a false debt collection on my Experian report. They also added it to XXXX. It was removed from my XXXX report. The account does not belong to me and my name is a common name. They could not provide any identifying information such as a copy of photo ID, social security card or proof of residence. I completed and submitted the police report to XXXX XXXX XXXX however XXXX XXXX is no longer employed with thr collection agency. I do have screenshots, emails and written documentation including a mortgage statement that proves my identity and proof of residence.. I am requesting that this is removed from my report as it is an error and has impacted my score greatly. I can provide written documentation as the agency is not cooperative although they have no written documentation showing this account is associated with me.

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 2017-09-17
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a chase credit card which is paid through bill pay from my chase checking account. I have the payment schedule set up to be received by the credit card on the due date. The credit card has begun to charge me late fees because I was told the payments are n't posting for 1-2 days after I the due date. These payments are supposed to be posted the same day since it is the same company. The rep from the credit card company sai I was responsible for when the payments post! The late fees were waived this time but I was told they may incur again. I feel that chase is falsely and deliberately charging late fees. If I had not questioned this the fees would not have been removed. I feel you should be aware of this because I am sure this is happening to other chase customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-16
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have previously reported Penn Credit Collection for attempting to collect a debt from the City of XXXX utility department in which Ive provided extensive documentation of emails and calls logs that not only prove my claims of not owing this debt but also contradict this companys claim that I have not been in contact with the City. Despite the provided evidence, Penn has stopped responding and the debt collection remains on my credit reports making it impossible for me obtain the funds I need for basic needs including a utility account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Oh, XXXX DOB XX/XX/1982, SS XXXX I was looking at my report and I noticed that 3 of my accounts are not reporting to my credit file at all. I have a XXXX XXXX XXXX XXXX XXXX XXXX XXXX that are not updating or showing on my credit report, They are not showing on my Trans Union, XXXX or 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 2020-07-24
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: MS
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Car accident Attorney XXXX XXXX XXXX Of XXXX XXXX XXXX XXXX NY. And my wanted fugitive mother XXXX XXXX XXXX stole my entire car accident settlement. I never hired XXXX but he opened an escrow account in name and used to deposit car settlement check and take funds out of the escrow account. I never got a penny. I filed a complaint With the XXXX XXXX XXXX  grievance committee they refuse to disbar him. I want to make sure the escrow account is closed. I dont know what bank used mostly BNY Mellon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: ROBINHOOD MARKETS INC.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My Robinhood account was hacked as a byproduct of my email being hacked. The hacker was able initiate a {$1000.00} transfer from our checking account which our bank was able to cancel, but I am now unable to login to my Robinhood account. There is no contact phone number for Robinhood and all email responses have been blanket auto-replies. The money in that account has now been compromised and I have no way of getting in touch with Robinhood to fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: Nationwide Recovery Systems, Ltd
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I pulled my credit report on XXXX and noticed two accounts from NWIDE RECOVRY ( original creditor : XXXX XXXX XXXX XXXX ) what it states on my report ) twice on my credit file. Never heard of them have no knowledge of them or this debt nor did I receive any prior mail or Correspondence from them before seeing these two accounts on my credit file ( XXXX only ). So XXXX XXXX I wrote a letter to dispute these accounts with them and mailed them out XXXX XXXX and NATIONWIDE RECOVERY SYSTEM received my correspondence ( which was HIPPA LETTER & a request for validation ) XXXX XXXX they replied back with a janky letter they quickly wrote up and mailed to me which I received XXXX XXXX saying ( CURENT CREDITOR : XXXX XXXX XXXX ) and stating ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ) and a file number saying this is what I requested and had another page attached which was also another letter they drafted up on their personal computer with a date, XXXX  XXXX ( I dont know if this a doctor name ) XXXX XXXX VISIT W/O collection agency and two of the same amount XXXX and two XXXX addresses as their way of Validating what they have placed on my credit report. They have not properly and accurately respond to my request nor did they properly provide me VALIDATION. So XXXX XXXX I responded to their lack of validation letter with a response of requesting they remove and delete the false reporting off my credit profile Immediately before I take legal action, which they received my correspondence XXXX XXXX which I have proof of ALL THESE DATES AND PAPERS and they decided to report on my XXXX  PROFILE today XXXX XXXX these same two accounts and with a STAUTS that reads included in XXXX Through Bankruptcy chapter XXXX false. At this point they are becoming desperate and they are falsely reporting whatever and tarnishing my image and my name. This is barbaric and not right at all. These credit bureaus are allowing anyone to report whatever they feel like. And they too should be help responsible. 

No one ( credit bureaus ) is Verifying The accuracy of information being placed on peoples credit files. 

I have images and dates for my truthful claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: John C. Heath, Attorney at Law, PLLC
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Lexington Law is deceptive in practices. I was a victim of their hotswap scheme and was transferred from a loan representative after being denied credit for a business loan. The first reviews on XXXX were good until I dug much deeper and found the real issues. I lost money to this scam. I could have been using this money to pay creditors rather than wasting months paying for little help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Experian Information Solutions Inc.
State: HI
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 the victim of identity theft and a student loan and a XXXX XXXX account was opened up in my name. I sent a letter to the credit bureaus but they just updated it as if it were accurate. 

I just recently got wind of the identity theft and went to the credit reporting agencies immediately after I found out. 
I think this is unfair and under the FCRA A consumer may elect to have consumer 's name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit transaction that is not initiated by the consumer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently requested my credit reports and discovered that Capital One has been incorrectly reporting information about a charge off account. There are 50 instances of 90 day late payments. This is FALSE. I disputed it with them via CFPB and they deny that there is any wrongdoing or inaccurate information on my credit report. They quoted 2 dates as being correct and used those two dates to justify the inaccurate information. As of today, XX/XX/XXXX, my credit reports are showing that the last payment was in XXXX. This is false. They acknowledged the account was closed as a charge off in XXXX but deny that the last payment in XXXX is incorrect. I made no such payment and request it be removed immediately. Capital One has refused to work with me during my hardships and consistently neglects to inform me as a consumer of my rights in these situations. In XXXX I was a single mother, also XXXX, and in XXXX school and had less than suitable living conditions. I moved out of state for a better life and repeatedly asked them to work with me on payments which they refused. Since that time I've been working hard at bettering my credit and making the best financial decisions but the damage that Capital One is doing to my credit report is irreparable. I am asking again that the correct last payment be noted on my account which was before the account was closed in XXXX ( logically ) and NOT in XXXX as it currently states. I did not make any payment after the account was closed in XXXX. I have attached files to show that no such payment was made. Capital One has also reported to XXXX  that I have 90 days late a total of 50 times. This is completely reckless and has done absolute and total damage to my overall credit. My next step is litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I ordered services from XXXX ( pickup of a package ). The XXXX website malfunctioned and charged me the same fee twice. Then XXXX came back and said there some " additional charges '' with no explanation and without my prior agreement. I disputed the charges with paypal. They stated that there was no unauthorized use because " it was consistent with paypal payment history ''. Seems like no one even looked at it and it's some kind of bot. 



got this email on XX/XX/18 from paypal : An update about your case We've completed our review of your unauthorized activity case, and weve determined there was no unauthorized use. 



Based on our review, we found this transaction is consistent with your PayPal payment history. 

For more information about these cases, log in to your PayPal account and go to the Resolution Center.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-08
Company: EQUIFAX, 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 appears that my credit file has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. Here are the disputed items that did not belong to me. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a Vehicle Loan and Personal Loan with USAA Savings Bank in XX/XX/XXXX. I went thru a divorce and left XXXX in XX/XX/XXXX. There were several months i missed payments on these loans. I paid the vehicle loan balance of {$17000.00} and personal loan balance of {$2800.00}, before USAA got it to collections. 

They put on my credit report both loans were charged off and never paid. I submitted a complaint to the XXXX XXXX XXXX, complaint # XXXX and they got USAA to remove statement they were never paid. 

USAA continues to put on credit report both loans were charged off, when in fact they were paid in full and they did not charge off any losses. 

USAA auto loan is account # XXXX USAA personal loan account # XXXX ( last 4 numbers not shown on credit report ) USAA was paid in full sometime in XX/XX/XXXX-XX/XX/XXXX, can not recall exact date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: ALLY FINANCIAL INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit report incorrectly shows 3 late payments on my mortgage payments to XXXX XXXX ) XX/XX/2018, XX/XX/2018, XX/XX/2018. I have made these three payments on time. 
XX/XX/2018 mortgage- Paid XX/XX/2018 ( XXXX account info ) XX/XX/2018 mortgage- Paid XX/XX/2018 ( XXXX account info ) XX/XX/2018 mortgage- Paid XXXX XX/XX/2018 ( XXXX  payment history file ) I am attaching both monthly bank statements and XXXX  account payment history file ( downloaded from XXXX  ).

Company response to consumer: Closed with explanation