BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-03
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have attepted to gain access to my Venmo account owned by PayPal for over a month. Each inquiry to Venmo via an app or email to cusotmer service asks for me to submit a picture of my ID and after doing that about 12 times via email I am told by Venmo, via email, that they canot accept the picture. Ive explained it is MY Oregon DL and Ive emailed it to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-28
Company: Atlanticus Services Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2020 I received an email from my Credit Card Company Fortiva staying a credit limit adjustment. 

Since I have always been an on time paying customer and kept low balance, I figured it was an increase in limit like other cards! 

But I was wrong. I see my credit has been cut in half. When speaking on the phone to the customer service questioning why this happened, she stated due to inactivity. I stated that inactivity is not on the Card Holder Agreement by Fortiva, not is it posted anywhere on website or the Agreement page this would happen, if you do not use the credit card. 

Now my account which I have always kept into good standing, is not affecting my credit score, due to the limit being decreased. No remarks due to anything on there end. My credit score dropped a total of XXXX points since this was made. 

On top of this they want me to still pay maintenance fees in a card in which the literally stated on the phone was not being used!! This is a sham. Had there actually been in the Agreement for Fortiva XXXX, I would have made sure to add monthly subscriptions on this card, but it was not, and was not notified of such!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: Southwest Credit Systems, L.P.
State: VA
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:
XXXX turned an account that was fraudulent to XXXX collection agency. This appeared on my credit report and I immediately disputed it with all three credit bureaus. It was removed and deemed fraudulent. 
This balance has now been reported under a new name of SouthWest Credit Systems , L.P . I have disputed it again with all three credit bureaus. It has been removed by all but XXXX. 
XXXX  is required a FTC report to remove this debt. 
I never entered into an account with XXXX, XXXX or SouthWest Credit Systems. This balance does NOT belong on my credit report. Please review and provide the FTC report XXXX  is requesting so I can submit it to them. 
Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: EQUIFAX, INC.
State: OH
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 recently conducted a review of my credit report, and I noticed that your agency showed Several credit inquiries that I find to be problematic. 

The inquiries in question were apparently made by XXXX XXXX XX/XX/XXXX. XXXX  - Card Service XX/XX/XXXX, XXXX - Card Servic XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, I have no recollection of doing any business the listed companies Equifax Has refused to remove these items and has entertained it to affect/impact my credit. I contacted all of them and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me, to call the credit Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: National Principal Group, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have received numerous calls from various telephone numbers, this company is now contacting my family as well. They left a voicemail stating " if we can not verify this information through you the law allows us to verify information with all references on file ''. 
Upon research it appears this company is a scam, they advise individuals they have a debt for a payday loan, I have never had a payday loan ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
experian says i owe 13 collections and gives me a XXXX score ( makes sense ) but they only show me 1 collections and the same XXXX score ( doesn't make sense ). other agencies show the same single collection on file and everything else the same with almost 100 more points to my score ... so to sum it all up, their system is glitched and betraying my financial responsibility in an extremely negative light limiting my abilities in life for no reason! Ive tried resolving this with them to just be put in a file and ignored ... this needs to be fixed 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 2021-02-03
Company: Colony Brands, Inc.
State: WA
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:
A hard inquiry appears on my XXXX report from XXXX XXXX. This is unauthorized. I filed a dispute with XXXX and they provided me with a contact phone number of XXXX which rings to Colony Brands. I do not do any business with XXXX XXXX or Colony Brands.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
The following accounts are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation.. They have provided information while knowing or having reasonable cause to believe that the information was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint XXXX XXXX XXXX, XXXX XXXX, UNKNOWN XXXX, XXXX XXXX ( Original Creditor : 10 XXXX ) XXXX , XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX, XXXX XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-04
Company: Diversified Consultants, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had XXXX trying to collect a phone service plan from me that I never opened. I told them I never signed a contract had never been in their store that this debt isnt mine. They turned it over to collections - I told them the same thing. They have now reported it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX regarding account number XXXXXXXX XXXX XXXXXXXX XXXX in the amount {$680.00}, 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 also states that a consumer reporting agency can not furnish an account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am filing a complaint against Suntrust by Truit banking institution. I recently opened an account with {$100.00} cash at the XXXX XXXX in XXXX Florida XXXX on XX/XX/2020. The address for that location is XXXX XXXX XXXX, XXXX Florida, XXXX. I am a current claimant of unemployment by the DEO ( Department Of Economic Opportunity ) I have since deposited 4 checks into my Suntrust account in which the funds were cleared and made available. The check amounts are as listed 1. {$600.00} ( mobile deposit check )  on XX/XX/2020 XXXX. {$2700.00} ( mobile deposit check ) On XX/XX/2020 XXXX. {$1000.00} ( mobile deposit check ) On XX/XX/2020 4. {$1000.00} ( mobile deposit check ) on XX/XX/2020 5. {$200.00} ( direct deposit from DEO ) on XX/XX/2020 DIRECTLY FROM DEO 6. {$100.00} ( cash deposit to open account ) on XX/XX/2020 My account was frozen without warning or my knowledge. No reason has been provided for the funds being on hold. Ive spoken to XXXX team members, managers, and other associates from Suntrust to no avail. The checks are made out to XXXX XXXX and yet the bank is refusing to release the freeze on the account as well as release the funds. Theyre insisting that I provide a letter from the DEO stating that the funds in the account are meant for me. Ive provided check stubs, a letter of eligibility and have gone as far as having an investigator from the DEO on a conference call to provide any and all closure needed to verify my identity as well as any payments made into my account and claim. Im filing this complaint because I not only feel discriminated against as an XXXX XXXX client, but I also feel neglected and violated with no possible explanation on why Im experiencing such hardship with this financial institution. Im demanding that my funds be released to me then I will more than gladly terminate the relationship with myself and Suntrust bank. 

Thank you

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 2021-01-24
Company: EQUIFAX, INC.
State: MI
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 been disputing with Equifax for over six months and I have received any information regarding this incorrect information. I have proven that these accounts are inaccurate and Equifax continues to report on my Credit. This is ruining my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
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: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2021-01-23
Company: AES/PHEAA
State: MI
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:
The accounts that I disputed wasn't fixed by the company at all. When I requested verification of the debts it came back verified when it wasn't verified by the creditor. How can it come back as verified with the credit bureaus when the creditors couldn't verify the debt and This inaccurate information on my credit is preventing me from purchasing a home and is effecting my true credit score. The credit bureaus went well over the 30 days multiple times and I feel like this should be resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX hasn't reported my account to 3 major credit bureaus ( XXXX, Equifax, XXXX ) since XX/XX/2019. The account is still open but reporting incorrect balance. The account balance is XXXX. This has hindered me from obtaining new credit. Not reporting the correct balances is killing my credit utilization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Open Dealer Exchange, LLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Unwanted and unwarranted credit inquires on my account made without my full knowledge to lenders I did not approve of. Information was not presented to me at all.

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 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
Thought I was creating a general account to login to TransUnion. TransUnion requested a CC during identity Validation process. Became suspious as neither of the other two Credit Reporting agencies requested a CC for identification. Took some effort but found TU had charged me {$26.00} to for the account. 

Called TransUnion and their customer service rep was prepared for my issue. Rep immediately went into a discertation about how creating an account was consent for them to charge me for my credit report. I tried to explain how I had not requested Credit report and just wanted a refund. The rep cut me off everytime I tried to politely question or explain anything and kept telling me I had failed to read some instructions somewhere. Nowhere can I remember anywhere a statement that was openly presented that stated I was opening an account for paid services. the fact that I had not received any services yet did not matter ( THAT I KNOW OF, BUT MAYBE CREATED SOME FOR ME THAT I HAVE NO CURRENT KNOWLEDGE OF OR UNDERSTAND? ) Under TU Terms Agreement : Billing and Cancellation Memberships. We offer both free and paid subscription products. 


They had several account types listed as XXXX XXXX, XXXX etc.. and thought those where the charging accounts with no other basis for information as the basic account appeared to be the free.

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 2018-09-29
Company: Diversified Consultants, Inc.
State: OK
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:
Diversified Consultants, Inc. ( DCI ) has again reported an account that they promised they would delete from my credit report ( see attached letter ). 

Please reference complaint # XXXX. 


On XX/XX/2017, I submitted a complaint ( # XXXX ) regarding Diversified Consultants, Inc. ( DCI ). DCI was reporting an {$88.00} debt of which i had never been notified or contacted. They did respond and agreed to remove this account from my credit file. Their response letter stated " DCI has ceased collection efforts and closed the account in our office. A deletion request has been submitted to the credit bureau. '' On XX/XX/2017 I received alerts from all 3 credit bureaus that DCI was again reporting this same account they said they would delete. Please see attached letter, from Compliance Analyst XXXX XXXX at DCI. This letter is DCI 's  response to my initial complaint ( # XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
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:
This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$2400.00} XXXX  XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2400.00} XXXX  XXXX Balance : {$11000.00} XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$290.00}

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 2018-05-14
Company: JPMORGAN CHASE & CO.
State: NJ
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:
Only reported to XXXX, a hard inquiry was placed on XX/XX/XXXX and XX/XX/XXXX was alerted to the change by the free monitoring service by XXXX this XXXX. This would only occur upon applying for any Chase related credit or finance which I never have and there is an immediate negative affect on my credit score. I need immediate removal due to their error. This happened last year which was resolved and removed by XXXX XXXX, which I was informed handles most XXXX credit cards as their bank. They submitted an apology letter to me and informed XXXX who they report to remove the mistake and inform the other two agencies. That's the simple and fast resolution I want and it didn't need to drag out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-14
Company: EQUIFAX, 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:
as of XXXX2019 equifax erroneously dropped my credit score 90 points for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
In XXXX of XXXX XXXX cut my XXXX XXXX with the company and asked I return the company charge card to Human Resources. The card was sent to XXXX XXXX per her request. 
In XX/XX/XXXX I received notice from Bank of America for an amount due of {$80.00}. I contacted Bank of America explaining the card was sent to XXXX XXXX at XXXX in XXXX of XXXX and I could not have used the card. Since then Bank of America has contacted me to pay this amount and late charges. I replied back to them explaining what was said after the first notice. 
Yesterday I received a notice dated XX/XX/XXXX from Bank of America attempting to collect a debt.. 
Bank of America continues to pursue me for a charge on a company charge card that was surrendered over a year ago, rather than pursue the company that has the card.

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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). Listing these items as information without verifying them within the legally mandated time frame is unacceptable. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/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 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 XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 non-monetary relief