BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-25
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:
While studying my report I have come across a number of mistakes and inaccuracies that the credit bureau, Experian, XXXX, and XXXX, are reporting. I have disputed the unverified discrepancies on my credit report, with all three credit bureaus, Experian, XXXX, and XXXX, multiple times and have not received any proof of a copy of any original documentation, a consumer contract with my signature on it, and the original creditors documentation on file to verify that this information is mine and is correct.

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 2019-03-04
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal has limited and held funds on 2 accounts. I reported fraud that was done to me and they have locked me out of two accounts, held over {$700.00} and made me pay nearly {$500.00} for the fraud charges that I reported. I have tried numerous times and after literally months of not getting a specific course of action that I can take to resolve the issue, I need help. Today I had a customer service rep end our session without giving me any direction or answering my problem. I have contacted a lawyer and been advised to start here

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-18
Company: MRS BPO, LLC
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 status incorrect

Complaint:
MRS BPO is the only negative account on my credit report. I do not believe I owe on this account and have been unsuccessful in obtaining documentation, but worse this is a third party collection company masquerading as a credit grantor. Third party collection companies may not report as open / active type of tradelines. This has extremely effected my credit score, as my only negative account, as it shows it's an open active account that is currently not being paid on time. It also updates monthly as an active account. Only original credit grantors may report accounts as open / active, or report account type as anything other than 'collection '. Collection companies do this to have the maximum impact on your score, and it is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
AMEX sent me a promotion to get a new card when spending XXXX within the first XXXX  months will give me the advertised rewards ; however, AMEX set the limit in a way is impossible to achieve that, and Customer Service is incapable of solving or explaining. Its been weeks since opening the account with no replay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I just received my credit report from TransUnion. Re : file number XXXX. My credit report still shows a utility bill with XXXX XXXX XXXX XXXX XXXX. Account number XXXX, in the amount of {$420.00}. I paid that balance off on XX/XX/2018. 

I have a new utility bill at XXXX XXXX XXXX, XXXX XXXX. XXXX TN XXXX. I moved into this apartment XX/XX/2018. I sent TransUnion a copy of my new utility bill. None of those telephone numbers belong to me. My phone number is ( XXXX ) XXXX-XXXX. I have never lived where ( XXXX ) XXXX-XXXX is located.

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 2018-09-18
Company: Frost-Arnett Company
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
InXX/XX/2018 I received a letter from Frost Arnett for an attempt to collect a debt for {$350.00}. I spoke with them and asked what this debt was for. They stated that the debt was for money owed from XXXX XXXX XXXX XXXX hospital stay. On XX/XX/2018, I reached out to XXXX XXXX XXXX concerning this debt. I explained to a female represetatie that my XXXX insurance was supposed to cover my debt, and if they did not cover in full, that my Medicaid would. She told me to call and get my ID number. I called Medicaid on XX/XX/XXXX, and they provided the number to me. I also called Frost Arnett on XX/XX/XXXX which they have record for at XXXX. I explained that I spoke with the original creditor, and provided my Medicaid information. I asked BOTH parties if I needed to follow up with them concerning this debt. Both said that if there were any issues, I would be contacted via phone or email. 

On XX/XX/XXXX, I received an alert on my phone stating that this account was in collections. I immediately contacted both the collection agency, original creditor, and XXXX XXXX XXXX Hospital. Everyone has a record of me contacting them concerning this debt except XXXX XXXX XXXX. XXXX XXXX XXXX stated that it is now too late to apply my Medicaid ID, and they had reached out multiple times although I have not received any communication from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
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: Account information incorrect

Complaint:
i have submitted a letter to transunion about some items that i asked them to verify with my name on them on XX/XX/2018, and they have not respond to the letter requested.

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 2017-09-20
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am writing to file a complain about XXXX XXXX XXXX, which was called XXXX XXXX when I attended it from XX/XX/XXXX-XX/XX/XXXX. When I enrolled in the school they told me that upon graduation I would receive assistance taking my licensing exam and finding a job. When I graduated in XX/XX/XXXX neither of these things happened. I was told that a time, date, and location for my exam would be mailed to me after graduation, and I never received anything. When I called XXXX to ask about this they repeatedly brushed me off, and I was never given an exam time or date. I also did not receive any assistance finding or applying for jobs. I had many classmates who experience the same thing, and I believe this amounts to false advertising. If I had known that I would be left to fend for myself after graduation with no ability to find a job related to my education I would not have enrolled at XXXX and would not have the student loans that I am struggling to pay today. I would like XXXX to be investigated for this fraudulent behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: Experian Information Solutions Inc.
State: MO
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 removed the XXXX / XXXX  XXXX account but it still shows on XXXX and Experian and should be removed in full! This is a violation of the fcra and who ever does not remove the account will be sued in court

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 2021-10-07
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2021, I attempted to add {$400.00} to my XXXX gift card using my Citibank credit card. My Citibank credit card was charged {$400.00}, but the money was never desposited on the gift card. I filed a dispute with my credit card company and with XXXX. Citibank says that they have been unable to get XXXX to reverse the charge and XXXX has been giving me the runaround on the transaction. At this point I just want the {$400.00} refunded since I no longer trust putting the money on to a XXXX gift card. It has been four months since this occurred and the problem is still not resolved.

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 2020-09-10
Company: General Motors Financial Company, Inc.
State: MD
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:
My wife has a XXXX XXXX XXXX through GM financial. I am a co-signer to this vehicle. My wife and I recently lost our jobs due to covid-19 and were receiving unemployment assistance. The unemployment check was late in the month of XXXX. It finally came on the last day of the due date, which was XX/XX/XXXX and we made the payment. GM financial said that they see it was made on the XXXX but didn't process until the XXXX. I have talked to half a dozen people at GM financial and they will not help by reporting this to the credit bureaus. I am a XXXX veteran and my wife was a XXXX  XXXX  and have been loyal gm customers for years. We've never missed a payment and have always been on time yet they treat us like this. They've now ruined 2 people 's credit for the next 7 years because their system didn't process it until the next day. People still need help during the pandemic and GM fails to realize this. We all have to help each other out during these times and their approach to customer service is wrong. We will never buy another GM vehicle again unless GM fixes this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Since XX/XX/XXXX Synchrony Banking has been continually calling me. After contacting them and advising them of the payment issues they've gotten worse with their harassing tactics. I don't believe they think customers won't complain but I was a XXXX for 25 years and I've filed Harassing Phone Calls for less. I expect something to be handled with this type of issues. 

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I called to get them stop harassing me and advised that I had sent in the payment. After speaking to them they found that I had sent the payment in and the calls stopped for a time. 
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 XX/XX/XXXX XXXX XXXX XXXX I contacted customer service and had been explaining to them that I was attempting to pay off the amount but they would not allow me to do so saying they can only accept from a bank account number. I've still got {$2800.00} on my discover   and only owe these guys {$2700.00} and they won't let me pay it off. 
XX/XX/XXXX I started attempting to transfer these funds to my bank account to pay them off but the calls continued to come non-stop. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/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 I went onto my account and changed my phone number to an old number I don't have anymore to get them to stop. 
XXXX XXXX I again attempted to pay with the Discover card explaining to the customer service person that i have the funds but need to pay them so they'll stop calling and harassing me but XXXX wouldn't help and didn't seem concerned in trying to help me out. 
We have enough issues in this country and I'm trying to pay off my account and be responsible but I keep being talked down to and treated like crap. If these people hate their jobs that much they can find something else to do, but since this XXXX XXXX XXXX stuff has started these people sit at home and harass others that are still outside " Not Scared of a common Bug '' and working to pay bills. By the way I can pay my bill but they're being difficult in taking a payment.

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 2017-08-11
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: Old information reappears or never goes away

Complaint:
The account I 'm requesting to be deleted from my credit file is from back in 2012 it was a timeshare loan the account was closed and reported that it was paid with a {$0.00} balance. Please delete!!!

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 2021-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE. THEY USE MY ID TO OPEN UP AN AUTO LOAN IN MY NAME. ATTENTION I AM WRITING TO REQUEST AN INITITATE A FORMAL COMPLAINT AGAINST XXXX, TRANSUNION, AND XXXX CRA # XXXX '. ON XX/XX/2020, I MAILED XXXX, TRANSUNION, AND XXXX TO BLOCK FRAUDULENT INFORMATION BEING REPORTED, ACCOUNT/S FOR WHICH I AM A VICTIM OF IDENTITY THEFT. ( ATTACHED ). THEY HAVE BEEN UNWILLING AND/OR UNABLE TO CONDUCT AN ADEQUATE INVESTIGATION AND/FAILED OR REFUSED TO BLOCK USAGE OF THIS FRAUDULENT ACCOUNT/S THAT IS BEING REPORTED. PLEASE CONTACT THESE AGENCIES AND INITATE A FORMAL INVESTIGATION INTO POSSIBLE VIOLATIONS OF THE FAIR CREDIT REPORTING ACT AND/OR FAIR DEBT COLLECTIONS PRACTICES ACT. I WILL ALSO BE CONTACTING THE ATTORNEY GENERAL AND POSTAL INSPECTION SERVICES FOR OTHER POSSIBLE VIOLATIONS OF THE 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 2019-03-03
Company: EQUIFAX, INC.
State: WV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
How do I request an investigation of deceptive practices by Equifax? Recently, I checked my credit report and found information in my file that I needed to dispute. When I clicked on " Online Dispute '', I was presented a series of questions that had nothing to do with information in my credit file at Equifax. I answered " None of the Above '' to all of the questions, and was given a response by the website that I couldn't be helped at this time. I XXXX  the issue, and found that thousands of other users reported the same experience. Is there a way to have this investigated?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: BlueChip Financial
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I applied for a loan on XX/XX/2018 due to a financial hardship. It was for {$800.00}. I've missed 3 payments and the interest rate is accruing daily. The total I owe is now up to {$1200.00}. I have discovered that online payday loans are illegal in Kentucky. I contacted the company regarding this and they stated I owe the principal but the interest that is accruing daily. I contacted the XXXX  and the Department of Financial institutions in Kentucky. DFI submitted a cease and desist letter on my behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
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:
Hello regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
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 non-monetary relief
Consumer complaint received 2021-03-28
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Experian reinserted a debt on my credit profile that was deleted they also did not notify me within 5 business days in writing. That is punishable by a {$1000.00} violation per the fair credit reporting act section 623. They also have kept a negative nasty address on my report in which I've provided proof numerous times that the address of XXXX XXXX XXXX on my account in which I've never lived here at all. This also is a violation punishable by {$1000.00} per fair credit reporting act section 623. I have sent several disputes to experian since XX/XX/2020 to remove the address and yet here we are nearly 5 months later and i still haven't gotten this address i have never lived at off of my report. This is ridiculous.

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 2020-05-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Chase Mortgage extended a privilege opportunity to me to do a short sale, which I greatly appreciate, but their tactics show that they are not truly interested in extending the privilege to me, rather they are being very uncooperative in doing so. 
We had a buyer and the buyer 's lender appraised the property for {$640000.00}, but the short sale approval was for {$720000.00}. The buyer walked away, because the approval was {$80000.00}, higher than the value. 
We now have another buyer who offered {$560000.00}, but the appraisal is {$660000.00}, and the buyer is willing to pay {$660000.00}, but Chase wants the buyer to pay {>= $1,000,000}, which is completely outside the appraised value. 

Their rationale is that they used a Broker Price Opinion Agent who gave them that value, but I contended that they should get a value from a professional valuator like an Appraiser. I have asked them to compare Appraisal Report from a professional to Appraisal from  another Professional Appraisal instead of Comparing A BPO agent report to a Professional Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: Experian Information Solutions Inc.
State: NJ
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 - Amount is {$5900.00}, this account does not belong to me. This was opened, XX/XX/2019 2019

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 2018-09-18
Company: EQUIFAX, 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 student loans were sent to a collection agency, I got into a repayment plan 4 months ago. I have been paying them on time and every month. They said that after the 3rd payment they will report it to credit bureau as paying and take it out of collections. This has been moving my score up and down. They told me to consolidate the loan which i did, it is showing up repeated times which are errors. I am tired of calling them and they give me the run around. I have been patient with them, but my patience are running out. I am trying to obtain a car and these late remarks and acct discrepancies are making it difficult to obtain any sort of acct. 
I contacted the XXXX XXXX XXXX XX/XX/XXXX to start the payment plan we are on XX/XX/XXXX and yet still haven't reported my credit file as paying or updated any status on it becoming positive.

Company response to consumer: Closed with explanation