BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2019-12-02
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
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:
toyota is erroneously showing a charge off balance on my XXXX credit report starting onXX/XX/XXXX. This account was closed back in XXXX when I had to claim the {$8700.00} on my income tax as income written off and closed. My FICO score dropped for no reason. My current address should be listed as XXXX XXXX   XXXX. I have been a homw owner at the address sincen XX/XX/XXXX. I havent lived at XXXX XXXX XXXX since XX/XX/XXXX. This needs to be corrected in experians credir report. Toyota and XXXX not be resurfacing old debts from the dead. I have leased a XXXX XXXX XXXX since XX/XX/XXXX with an excellent payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-12
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I am attaching a approved police report it will summarize the information on the situation under cards used fraudulently both coming from Barclays, XXXX XXXX and 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 2021-02-13
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: Information belongs to someone else

Complaint:
I contacted the bureaus several times to correct this identity theft /IDENTIFY THEFT REPORT ATTACHED Fraud credit accounts XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Fraud inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  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 2016-12-06
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
For the second consecutive month, Sallie Mae has incorrectly and falsely reported my payment status to the credit bureaus that they report to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 personal information was stolen in 2022, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX Inquiry : XX/XX/2022 XXXX XXXX XXXX  Inquiry : XX/XX/2022. 



In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus.

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 2017-08-21
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I inquired about a refinance loan with Loan Depot. I own a condominium in a flood zone and have learned that most lenders wo n't approve a loan unless the HOA has a master flood policy. Mine does not. I specifically told the loan agent that I was not interested in beginning the application process unless I was assured that the lack of the master flood policy would not be an issue. On Sunday XX/XX/XXXX I received an email from LoanDepot thanking me for my application and advising me that my disclosures were available. That afternoon I forwarded the email to the loan agent reminding him that I was n't interested in an application unless I could be assured that flood insurance was not an issue. On Monday XX/XX/XXXX the loan agent forwarded me an email the Director of Transactional Management issued on XX/XX/XXXX stating hat they could not accept a loan with me because the HOA did not have sufficient coverage. I acknowledged receipt.
On XX/XX/XXXX I received a package in the mail containing a fully completed application with all my financial history and credit reports from the three bureaus. I did not authorize any of this. I was shocked and furious that my sensitive financial information was floating through the U.S. postal service and that my credit was pulled without my approval.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: CITIBANK, N.A.
State: NJ
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: Overcharged for something you did purchase with the card

Complaint:
I made a purchase with friends at an establishment called XXXX XXXX in XXXX XXXX, California. My friends and I purchased a table for the evening for {$2000.00} including everything, so I was told, which we split 4 ways. I, however put the purchase on my Citi AAdvantage credit card to get the points. I asked for a receipt and was told one would be brought to me. That never occurred and when we were told to leave at the end of the night, again I asked for a receipt and was refused. I made a single purchase. I did not open a tab of any sort and my card was given back to me immediately after the purchase without a receipt. The charge showed up as {$2000.00} as pending on my credit card. Then a few days later when the charge was processed, it processed for {$3000.00}. I attempted to call the company several times and always got the run around or that someone would be in contact. This never occurred. I then went on the file a dispute with my credit card company and have been denied twice because of the merchant. I have done research and read reviews and this merchant has been pulling this a lot with their clientele.

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 2019-07-21
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
( 1 ) XX/XX/2019, XX/XX/2019, XX/XX/2019 ( 2 ) {$460.00} ( 3 ) Action : I submitted a return shipping charge from a chair that I order online, but when the chair arrived it was defected and poorly constructed and I had to return the chair and pay shipping charges costing {$460.00}. I submitted all the documentation that I had on the return including an email from the seller stating that the shipping charges would be taken out of the original cost of the chair ( {$1600.00} ) on XX/XX/2019. 
But on XX/XX/2019 I had not received the refund from the selling company. I did not receive the refund from the company until XX/XX/2019, but by then PayPal stated that I had been denied the shipping return cost because it took longer than 14 days to get the documentation submitted to them, but I first submitted the documentation on XXXX XXXX and on XXXX XXXX I called PayPal and spoke to a representative and was told that I should wait on a letter from PayPal with instructions on how and what to send back and the shipping cost would be granted. But after many emails back and forth with PayPal denying the credit for the return shipping charges I just got tired. ( PayPal ) policy says customers are protected on returns charges, can you help? 
I am a XXXX senior and I bought the chair online because of their return policy and they burned me and I need help, please help because that is a lot of money for me to lose. 
I also offered to send pictures of the poorly constructed chair and a letter from the pickup service that signed an acknowledgement letter of the condition of the chair when they pick it up the wheels would not even move on the office chair. But the person that I spoke to representing PayPal told me to send the pictures back with the instructions from the letter from PayPal. I never received a letter from Pay Pal!

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 2023-08-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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 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 2023-10-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Someone from " Chase Bank '' texted me asking if I approved transactions ( {$1300.00} and {$9900.00} ) and I texted back NO. The number that texted me was ( XXXX ) XXXX. Then I received a call from ( XXXX ) XXXX to dispute the claim. The individual on the phone asked if I had made these transactions and I said no. They then sent me a link asking me to log into my Chase account ( which I did ) and then asking for information such as my address, pin, birthday etc. I logged into my account and then when I got to the next page asked how was I sure this is really chase. They said I could be sure because the website said chase. I then asked if I would get my money back because I don't have $ XXXX. They immediately hung up before I could add in my information to the site. I went to my chase account and changed my username and password as soon as possible. I also called Chase and requested a new card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX is erroneously showing a charge off balance on my experian credit report starting onXX/XX/XXXX. This account was closed back in XX/XX/XXXX when I had to claim the {$8700.00} on my income tax as income written off and closed. My FICO score dropped for no reason. My current address should be listed as XXXX XXXX XXXX. I have been a homw owner at the address sincen XX/XX/XXXX. I havent lived at XXXX XXXX XXXX since XX/XX/XXXX. This needs to be corrected in experians credir report. XXXX and expreian not be resurfacing old debts from the dead. I have leased a XXXX XXXX XXXX since XX/XX/XXXX with an excellent payment history.

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 2022-09-06
Company: EQUIFAX, INC.
State: MS
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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
XX/XX/22 My capital one credit card was fraudulently used to purchase in the amount of {$58.00}. I did not make this transaction at XXXX XXXX for {$58.00}. Ive told capital one it is a fraud transaction, however they still refuse to dispute this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Receivables performance is posting a collection account on my credit for {$87.00} - the original creditor was XXXX - the issue is that I moved, and XXXX installed services at my new residence, but was unable to provide continuous services at that address, the service was spotty and intermittent at best - I called them to cancel services, because they were not able to hold up their end of our contract, and they terminated service, they came out and picked up the receiver boxes etc ... I am not liable for this XXXX, as I was not the one who initiated the termination of contract, the company XXXX was unable to provide services at my residence, therefore they were unable to hold up their end of our contract.

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 2023-09-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I believe that these accounts were associated with a different person with the same name and address as mine and merged the file. Under FCRA, you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
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 It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Overcharged for a purchase or transfer you did make with the card

Complaint:
I have a Bank of America XXXX XXXX. When I received the card, I also received a booklet " XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. On page XXXX it describes XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( " ... are injured or become sick during the triip... you are covered for transportation ''. ) I experience an emergency in XXXX ( XXXX; XXXX XXXX XXXX hours and had blood work and a XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and had to return to XXXX for treatment. I have hospital documentation, and I have seen a XXXX when I returned for follow up. When I called Bank of America to receive a claim form the agent told me I don't have that coverage. How does this get resolved if they claim I don't have a coverage I clearly believed I did and is in writing? This seems shady. 
The travel agency handled the return fare but I had to use my credit card. This charge should be credited back to me. 
I have not filed a lawsuit or arbitration. 
XXXX Tours {$1300.00}. 
XX/XX/2022 I would like to work with them to file a claim for this trip interruption benefit from XXXX. 
Last 4 digits of credit card 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 2019-07-20
Company: CCS Financial Services, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
someone use my information and created this bill and this is fraud and identity theft and I want it removed as soon as possible

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: Experian Information Solutions Inc.
State: DE
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:
XXXX XXXX Balance : {$7200.00} This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE 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 2022-09-06
Company: Account Control Technology, Inc.
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX university wrongful sent a XXXX XXXXXXXX debt to collections which was removed by credit reporting agencies as i was not responsible due to a billing error for the XXXX  of XXXX ( covid beginnings ) XXXX was also defendant in class action in XX/XX/2022 which paid out to former students which i received a share of proving that no actual debt existed or the share would have been retained and applied to this debt. Actions qualified me for borrows defense discharge of all school payments as a result completely releasing me from this supposed debt. Collections refuses to mark as settled and school refuses to release debt until collections does.

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 2017-08-21
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did not receive any notification that this debt was sold to XXXX XXXX XXXX XXXX nor was I able to confirm or deny this debt is valid. Additionally, the debt was removed from my credit report in XXXX  2016 and now has reappeared. The debt does not meet the requirements set forth by The Fair Debt Collection Practices Act ( FDCPA ) and The California Fair Debt Collection Practices Act ( CFCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from 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