BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: AR
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. Again, I was going through my records & noticed many information or items that 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 accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me : XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXXXXXX XXXX Balance : {$500.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$32000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$47000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$590.00} CXXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$3700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX XXXX : {$3500.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXXXXXX XXXX : {$1000.00} XXXX XXXXXXXX XXXXXXXX Balance : {$2500.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$44000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX Balance : {$9000.00} XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXXXXXX Balance : {$340.00} XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$920.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3700.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} WXXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX This complaint is my folow-up to ensure the deletions of the listed items

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 2020-07-27
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:
Their investigation did not fix the issues I disputed on my credit report and it has been 30+ days.

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 2023-03-23
Company: Experian Information Solutions 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:
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. 

Account name : XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX Card # XXXX, Account name : XXXX XXXX # 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 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 2022-01-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery is attempting to collect a credit card debt that they bought. They call twice a day every day and never leave a message on my answering machine. They just let the phone ring and ring and then hang up, never leaving a message. Once I picked up the phone and told them to stop calling because they never leave a message. This has been happening for many many months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-23
Company: Praxell, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have requested to close my MangoXXXX ( XXXX XXXX XXXX ) account in XXXX. They said the check was mailed on XX/XX/XXXX. However, I still havent received my paper check of the balance ( {$6100.00} ). I have called them multiple times to try to solve the problem, but it still hasnt been resolved. The last time, the representative told me they have reissued a new check to me. However, there is no tracking number and no any status for this.

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 2023-04-08
Company: Kriya Capital, LLC
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:
This company, Credence, says that I owe them money and that my account is in collections when that its not true. I owed XXXX XXXX XXXX for equipment they CLAIMED they never received. I paid XXXX XXXX XXXX, not this Credence company as I don't owe them anything. I paid XXXX XXXX XXXX  XXXX. Yet this company placed this on my report as a collection and in turn XXXX dropped my scored by XXXX points. I contacted XXXX and they removed it. Yet XXXX has not responded. I showed them proof. I contacted Credence and gave them the proof, although I dont know why I had to do that when it is an XXXX XXXX XXXX  account. So they should be in this complaint as well. Yet, Credence still sent this to the credit bureaus AFTER the fact. This is causing undue stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing regarding accounts that are fraudulently, and inaccurately reporting on my credit report. I have disputed these accounts multiple times. I dont own a car loan or account with a company by the name ( XXXX XXXX XXXX  ) I also have proof of the XXXX XXXX XXXX XXXX  payment never being late ill include documents I. my complaint. XXXX XXXX  XXXX is also fraudulently reporting information. 
( XXXX XXXX ) stated that I have had any XXXX payments but it shows late on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: PNC Bank N.A.
State: NJ
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 fully expect pnc to provide a script as an excuse to use the card act or some other excuse to try to keepo the XXXX i have read other custoemrs have left the bank due to this. I was charged 1.50 interest on approx XXXX dollars owed on my card ending XXXX I mistakenly paid it XX/XX/XXXX not the XX/XX/XXXX as my history indicates i would have. The payment system on pnc.com is hard to use. it does not allow you to confirm payments, does not allow you to do more than one in 3 days. Right now in my life i am not too organzied and i did not realize what i did. until it was too late. AS a scripted approach they tell me they alreayd refunded one to me. a 1.50 which they did. and they then try to tell you they cant treat you differently than others. Any other bank would give it back since my history indicates it is an accident. and the payment system could be much more customer frinedly please refund it without all the excuses. please. 
refund 1.50 i wont be using either account to avoid this issue which has happened to me before. 
i know its valid. i also know its clear this is an accident and if you value my business do the right thing without investing your resources telling me no which i totally expect

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: DISCOVER BANK
State: TX
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 would like assistance with disputing a charge on my account for {$6500.00}. It was paid to Discover Credit Card on XX/XX/18. In total they charged me {$6500.00}. This company has not provided what I was sold, and this is because they misleadingly earned my business. I have attempted to " work '' this out with the merchant and they are non-responsive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have an unverified bankruptcy reporting on my credit file. I reached out to the courts to verify the courts method of verification with the credit agencies and the courts responded saying they do not in any way report to the three major credit agencies. I mailed the letter I received from the courts as well as a request to remove the unverified account to all 3 credit agencies. I never received a response in writing but when I called to check the status of my request, the credit agencies responded by saying they could not authenticate my letter from bankruptcy court. I responded by resending the letter from the courts only this time I had both my dispute and response from bankruptcy court notarized. I have received a response from 2 of the 3 credit agencies stating that the account has been verified by the credit agencies even though the courts say they do not communicate with these companies. Please help assist me in having this unverified account removed from my 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 non-monetary relief
Consumer complaint received 2022-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Your credit card application has been received, We wanted to let you know that we've received your application for the Free Spirit Travel More World Elite XXXX. We're currently reviewing your information and you can check your application status online at any time. 


Got the above email from Bank of America on Saturday, XX/XX/2022. I did not apply for any credit line or made any inquiry to my credit. I immediately tried to contact Bank of America and the credit Bureau but Im assuming because of the weekend I had no luck. So I waited until now, which is Monday XX/XX/XXXX to contact XXXX and file a dispute. I will attempt now to call Bank of America again.

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 2023-03-03
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:
On or around XX/XX/23 I submitted a dispute on a collection debt of {$1200.00} furnished by XXXX XXXX XXXX. I requested information to get a better understanding of this debt and to verify it is, in fact, mine. Instead, I got a message that the debt was validated and a threatening letter from XXXX demanding I pay {$1200.00} to stop something they call " the pre-legal process ''. This is in blatant violation of the FDCPA and should not be considered an acceptable response to debt validation/verification by the consumer. I have a right to an accurate 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 non-monetary relief
Consumer complaint received 2019-01-29
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Buying items off of the website " XXXX '' and one of the sellers with paypal ( which is the current situation I'm in ) didn't give me the product. On paypal, I paid " XXXX XXXX '' {$17.00} cents on XX/XX/2019, current day. Paid {$17.00} with my current balance on paypal, and the rest of the fees with my credit card. Contacted him, never responded and blocked me on all current areas where I could get a hold of him from.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that ONEMAIN has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: GreenSky, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I took over my son 's loan for home improvement with Greensky two years ago. I have been making the payments and my son gave them permission to speak to me regarding the loan. On XX/XX/2019, I called today to change my payment source and they refused to let me, because, although the automatic system recognized my phone number, and Social Security number, and I was able to tell the person my son 's name and his previous address, I do not know his current address. I asked for a manager and spoke to XXXX and he told me the same thing, although I knew everything but my son 's new address, and no matter that the automatic system recognized me, I could not make changes to the payment source. I told them fine, since they have put me through loops for two years and are now refusing my information to continue to receive payments, they would no longer receive any payments from me. Realize that I am not asking them for anything, I am trying to PAY them, and they still will not cooperate. The stupidest people I have ever encountered in my life. Please go on XXXX and see how many more people have complaints like mine. I would like to know how this loan company is allowed to continue in business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: EQUIFAX, INC.
State: TX
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:
The XXXX accounts on my credit report are wrong and I was not able to pay these accounts. I have attached proof on complaints I have filed with other agencies trying to get help on being able to pay accounts online. When I call in, it takes almost 45 minutes just to make an payment by credit card. I still don't get any billing from XXXX. 


They repossessed an ATV without providing any communication or billing sent to me. They also contacted my father and made treats to him about my accounts and told him my account information. 

I have also attached emails from the person who contacted me that is not with bank. He also contacted my father and provided information about my account which is against the law. I received obsessive amount of phone calls from this guy while at work. 

Below is accounts on credit report. 

XXXX XXXX Last reported XX/XX/2019 {$1600.00} Reported balance Highest balance {$1600.00} XXXX XXXX Last reported XX/XX/2019 {$3200.00} Reported balance Highest balance {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The XXXX accounts on my credit report are wrong and I was not able to pay these accounts. I have attached proof on complaints I have filed with other agencies trying to get help on being able to pay accounts online. When I call in, it takes almost 45 minutes just to make an payment by credit card. I still don't get any billing from XXXX. 


They repossessed an ATV without providing any communication or billing sent to me. They also contacted my father and made treats to him about my accounts and told him my account information. 

I have also attached emails from the person who contacted me that is not with bank. He also contacted my father and provided information about my account which is against the law. I received obsessive amount of phone calls from this guy while at work. 

Below is accounts on credit report. 

XXXX XXXX Last reported XX/XX/2019 {$1600.00} Reported balance Highest balance {$1600.00} XXXX XXXX Last reported XX/XX/2019 {$3200.00} Reported balance Highest balance {$10000.00}

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
This is not a duplicate in regards to a previous submitted complaint against Bank of America since my first complaint I have been faxing this exact document to Bank of America and mysteriously they have not received them in regards to my claim clearly here is the proof I have been trying to get to there department in regards to me being a victim of identity Theft thru unemployment insurance please get this documents to the right department so they can be attached to my claim so I can get the money back that was stolen from 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 monetary relief
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 identified information on my reports that are a result of identity theft these items are not related to any transactions completed by me. See attached identity theft 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 non-monetary relief
Consumer complaint received 2021-08-20
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Approx. XX/XX/2019 My homeowner insurance company moved out of state cancelling my policy. Shellpoint Mortgage Services began paying for my insurance. On XX/XX/2019 Shellpoint was notified on their site that we had supplied our own insurance for the year. Shellpoint has continued to pay monthly insurance premiums in spite of this communication. Once our escrow was depleted we were requested to pay an increase without notification of the reason. I have on numerous occasions proved we have up-to-date with insurance. We have been paying extra for about 20 months. recently we've been harassed to pay extra funds to make up escrow amounts and have been charged penalties. I have spoken to 8 or 9 persons from XXXX XXXX XXXX, XXXX and Collections divisions indicating either we owed or were getting refunds for the errors. I received calls after XXXX XXXX  one evening from both Collections and XXXX XXXX. I've asked Division level staff to get involved and have been promised return calls that never happened. I am still awaiting resolution and am concerned about my credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
These creditors have pulled my credit without my consent! Im attaching the screenshot of the creditors that are pulling my creditor!

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX See attachments all arent consented

Company response to consumer: Closed with explanation