BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-12
Company: SYNCHRONY FINANCIAL
State: UT
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:
I purchased a training course on XX/XX/XXXX from XXXX XXXX XXXX using my PayPal Mastercard. 
I requested a refund and initiated a dispute with PayPal which was honored and recorded on XXXX as well as with PaPal Mastercard.. This should have close the case and would not have any more issues. 
I was charged again for the same amount by the same merchant on XX/XX/XXXX. 
I continued to report this problem with PayPal  and I was refunded on XX/XX/XXXX. 
Many months passed by and on XX/XX/XXXX I found my PayPal money wallet with a large amount and called and they refer me to PayPal Mastercard. 
I looked up the activities of the transactions on their Activity Log and suddenly I see that the negative amount double. 
I called PayPal Mastercard and informed them about it and they will tell me that it was a clerical error in PayPal 's side and it was not them. They gave me instructions to send them a fax and told me that lately PayPal is having these issues or that perhaps that merchant sent a rebuttal. 
I try to call PayPal but was not successful and when I review PayPal 's credit card statements I did find an extra credit of the same amount credited to me on XX/XX/XXXX noted as Adjustment-Purchases. 
I contacted the merchant XXXX XXXX XXXX XXXX XXXX XXXX XXXX yesterday XX/XX/XXXX and he agreed to send me a letter to confirmed that their were only four transactions that zero out and there were no other transactions between us. 
I try to call them both and was not successful. Today, XX/XX/XXXX XXXX Mountain Standard time I called again to inquire why they added an additional amount and the agent hung up after she said something that was not audible.

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: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately

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 2020-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: EQUIFAX, INC.
State: PA
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 name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: Consumer Portfolio Services, Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX, This company has been using harassing tactics for years. I have finally just had enough and would like to report it. I see many previous issues with this company and even legal cases. It appears that they continue their unfair practices. I have multiple emails for past harassing behavior despite having a payment arrangement and will outline my most recent experience. On XXXX I advise XXXX of payment I would make to bring my account current. On XX/XX/XXXX I received a collection call which I answered ( I usually don't because they harass customers on calls ). It was not a pleasant call. Despite a payment arrangement I received calls ( which I did not answer ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I called CPS and the rep confirmed there was a payment arrangement noted on my account. She only agreed to stop the calls after advising her that I would report the behavior to XXXX  if the calls did not stop. I have not received any calls since XX/XX/XXXX but got an email today ( XXXX ) from a collections manager. I would like CFPB to use this information to again start investigation/litigation against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2022-11-21
Company: EQUIFAX, INC.
State: FL
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. XXXX XXXX Account # XXXX, has violated my rights. XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. XXXX XXXXXXXX XXXX  Account number XXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Experian Information Solutions Inc.
State: PR
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 below are a result of ID theft as reported several times before : XXXX XXXX Account Number XXXX The following inquiries have not been authorized or in any way done by my person : XXXX/XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I filed a dispute in regards to inaccurate inquiries on my credit report its been well over 30 days and I have not received any investigation results. 

. The inquiry was not authorizedResident VerifyDate of inquiry : XX/XX/XXXX 2. The inquiry was not authorizedXXXX/Resident DataDate of inquiry : XX/XX/XXXX 3.The inquiry was not authorizedJPMCB CARDDate of inquiry : XX/XX/XXXX 4. The inquiry was not authorizedXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorizedXXXX/XXXX  XXXX Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized US Small Bus Admin ODADate of inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-14
Company: Navient Solutions, LLC.
State: VA
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:
Navient/ Salle Mae has repeatedly misapplied my funds to future payments rather than paying down the balance of the fund when I overpaid. I've called to have this changed several times and discover that things were " accidentally '' applied to future payments. I also had lengthy arguments with them about whether or not the SCRA applied to me before they begrudgingly applied the SCRA to my account. I was also told that the Public Service Loan forgiveness program does not apply to be although because the balance of my loan would be due before the 10-year service obligation was completed. I went to XXXX XXXXl on a military scholarship and have been on XXXX XXXX in the military since I graduated in 2012. Also, although I had money allocated from my bank account to pay off the loan, Navient started auto-deducting and addition {$220.00} from my bank account for approximately 7 months without explanation. While they were drawing extra money from my account, I was already paying them twice the payback amount which they were applying to future payments and not to the body of the loan thereby increasing my future interest payments. I have repeatedly asked for paper statments to prove that these charges are incorrect and they absolutely refuse to supply them under any circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 Enhanced Recovery Company reported a false debt collection to XXXX  in the amount of {$200.00}. The debt is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
See attatched USAA Collection Letter of XX/XX/XXXX Account ending XXXX. I DID NOT OPEN THIS 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 2021-08-19
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have asked for verification of late payments for the months listed on my credit report and nothing has been sent to me. It has been several months since I began the disputing process against XXXX and nothing has been sent to prove that I was late or near forbearance. My account has not been updated and they are also reporting incorrect information across all three bureaus such as Last Active Date and monthly payment amounts which have altered my SOL dates. I have not attended school since the end of the fiscal year of XXXX, yet my last active date shows that it was in XXXX ; re-aging my entire account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After reviewing my credit report, I show an account was listed with Midwest Recovery Systems. 
I have never done business with them or received any type of communication from them it just showed up on my report. I have the right to see a signed contract between Midwest Recovery Systems and myself. 
. I would like a signed validation of debt. Another company 's bill is not proof of a debt with your company.

1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Bread Financial Holdings, Inc.
State: IA
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 have been contacting Wayfair since XX/XX/XXXX. First I was unable to access my account or statements for over 2 months due to a system update they made that took their entire system down and it messed up customers account information, you could not access your account, schedule payments or make account changes. I have sent them several emails about my credit reporting because I have had no missed payments on my account and they have failed to update my payments and report an accurate balance since XX/XX/XXXX. I receive messages all the time when trying to log in online that they are experiencing technical difficulties. I have been told to update the credit reporting myself with the credit bureaus or that due to their system update they are unable to update the reporting and they apologize for the inconvience. 

COMENITYBANK/WAYFAIR Balance {$4700.00} Updated on XX/XX/XXXX Date opened XX/XX/XXXX PAYMENT HISTORY LEGEND On Time NA No Applicable Payment History - Data Unavailable Status Current Status updated XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I filed a complaint about Citizens One Home Loans with the CFPB ( XXXX ) about their irrefutably deceptive behavior over the course of the last year. 

On XX/XX/2021 after filing this complaint, I finally received a loan modification packet prepared by XXXX XXXX, outlining the terms of an agreement to begin on XX/XX/2021. I signed this paperwork, and it was notarized by XXXX XXXX. ( Commonwealth of Pennsylvania ) On XX/XX/2021, XXXX XXXX signed the same packet on behalf of Citizens, and it was notarized by XXXX XXXX, ( Commonwealth of Virginia ) On XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX sent a letter out to the CFPB and I saying the loan was undergoing a modification with an estimated completion prior to XXXX XXXX, implying the issue had been resolved. 

The letter also stated that a review of my account shows " many customer service representatives tried to return my calls, they were not answered and the voice mailbox was full and a message could not be left '' This is an undeniably false statement. Not only do I have an unlimited voicemail plan with my carrier, but I have answered every single phone call at every hour of the day and night for the last 14 months and will happily provide phone records confirming material fraudulence. 

XXXX XXXX called me today, after sending this letter to both me and the CFPB to tell me that despite having a mutually signed and notarized agreement, the modification was still 'going through processing '' and it may or may not be completed by XX/XX/XXXX. 

I asked her what else needed to be done for the modification to be official and valid, considering both consenting parties signed and notarized the documents, she was also unable to answer my question. 

When I asked her what further processes the paperwork I and Citizens both signed and had notorized needed to go through to confirm the modification she was unable to answer my question. 

She said she was not able to confirm my payments would resume on XX/XX/XXXX, as stated in the paperwork both XXXX and Citizens one home loans signed and notarized. 

Based on these responses, it's hard to tell if the purpose of the paperwork was to run the clock out on the CFPB complaint or to actually create an agreement between the two signing parties. 

Based on my experiences with this company over the last year and a half, I have no reason to believe this loan modification will go into effect on XXXX first. 

If past behavior is any predicator of future behavior, I would say there is a high probability they are going to attempt to use vague and obscure technical jargon which they are unable to even define or parameterize as plausible deniability to delay this process even further.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This complaint is to inform the CFPB that I have received notification from Experian in regards to former complaints I submitted XX/XX/22 number XXXX The letter I received once again is unresponsive to my request. In regards to the following accounts ; XXXX XXXX, Partial account number XXXXXXXX XXXX partial account number XXXX XXXX XXXX XXXX partial account number XXXX. Due to the remarkable amount of data breaches with one of the three major consumer reporting agencies, I have found it necessary to exercise my right under the Gramm Leach Bliley Act. Which requires financial institutes or companies that offer financial products or services like loans, financial or investment advice or insurance to explain their information sharing practices to their costumers and safeguard sensitive data, The GLBA generally requires clear and conspicuous notice of information sharing. The law also states that a privacy notice must be provided when a consumer relationship is established. And consumers have the right to opt out. Experian is willfully breaking the law by denying me the right to examining sensitive information regarding my credit file.

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 2022-11-21
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: 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 XXXX 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 2021-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I mailed off a dispute letter over a month ago. The credit bureau has not responded nor corrected my problem. They are reporting inaccurate personal information.

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 2017-12-12
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 belongs to someone else

Complaint:
Transunion, shows me owening a debt to XXXX, XXXX, debt is not mind, I have contacted XXXX which states that I DO NOT OWE them a debt. Upon Contacting Transunion, They state that another company has filed on XXXX XXXX behalf.

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