BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-29
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have attached a copy of my driver 's license as proof of the only personal information that should be listed on my credit reports. All other information is inaccurate and needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I made a settlement with the student loan company for my old student loans from 30 years ago.

I paid them and they told me I owed nothing to the student loan department.

I have watched my credit report and paid all my debts on time and had a good credit report, only to see it drop 40 points one day.

I looked into it and found it was the federal perkins loan department ( ECSI ) saying i did not pay them {$900.00}.

This is unfair as I have not heard from them in 5 years.

Knowing I paid my debts with the student loan company if there was anything outstanding with the government, they would know.

Help me please, I want this off my credit as it's unfair to put it on without contacting me in the last 5 years.

I also don't see why I have to pay it if I was told by the federal government i owe nothing in XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: JPMORGAN CHASE & CO.
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 received a copy of my credit report and I noticed there were information on there I did not recognize. I reached out several time to the credit agencies asking for any documents bearing my signature. As of today I have not receive any documents bearing my signature. I would like your help in helping me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: BARCLAYS BANK DELAWARE
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020 I authorized a charge to my Barclays Mastercard by Frontier Airlines in the amount of {$880.00} for two round trip air flight tickets from XXXX to XXXX XXXX to attend the XXXX XXXX. Our departing flight was scheduled for XX/XX/2020 and our return flight was scheduled for XX/XX/2020. Subsequent to the booking the XXXX XXXX was cancelled due to the Covid 19 virus, so I cancelled our flight reservations and attempted to obtain a refund for our flights with Frontier. I was unable to reach Frontier via phone as their lines were understandably constantly busy, and they offered via email only a credit that had to be used in a very limited timeframe, which we would be unable to use. On XX/XX/2020 I sent via certified mail a dispute letter to Barclays, requesting a reversal of the charge for {$880.00}. Approximately XX/XX/2020, I received a letter from Barclays, dated XX/XX/2020, beyond the 30 days allotted for their acknowledgement letter, stating they were looking into it with Frontier. On XX/XX/2020, I received a further letter from Barclays stating that the reversal of the charge was declined. No supporting documentation was provided by Barclays. I am requesting a reversal of this charge of {$880.00} due to Barclays failure to provide responses within the timeframe required, and for not providing any supporting documentation.

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 2019-09-12
Company: CITIBANK, N.A.
State: AZ
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:
I am a victim of identity theft and someone applied and opened a fraudulent Citibank credit card account in my name. The account is fraudulent and is not my account. I been receiving harassing and threatening phone calls of profane, vulgar and abusive language, job loss, garnishment of wages, jail, prison, XXXX XXXX XXXX from Citibank Debt Collection Representatives which is very frightening and a major violation of the Fair Debt Collection Practices Act under Federal and State 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 2021-07-06
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: Information belongs to someone else

Complaint:
I previously tried to resolved this fraudulent account with this company I called this company and submit information for my dispute this company had numerous attempts. I will filing a complaint against this company and keeping a record of how this company is responding to my complaint and to show people of how this company treat there customers.THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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
Consumer complaint received 2020-07-21
Company: Navient Solutions, LLC.
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
3 years ago this company kept calling.. looking for a XXXX XXXX XXXX I told them they had the wrong number. 
In the last 30 days they call a minimum of 3 times per day. 
My VOICEMAIL clearly states my name ( its not remotely close to XXXX XXXX XXXX. I have recorded their communications and call logs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: MO
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 filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10
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: Information belongs to someone else

Complaint:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 Account # : XXXX, Account XXXX : XXXX - Account # 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't 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 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 non-monetary relief
Consumer complaint received 2021-06-07
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 have disputed several false credit inquiries to Transunion. I also called the companies to remove the false information. Transunion continues to break the law by denying my dispute calls and letters. They continue to deny me a fair detailed credit investigation. Which is against the FCRA guide lines.

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 2023-07-18
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. 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 Number XXXX Account Name : XXXX  Account Number XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX  Account Number XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-27
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020 at XXXX XXXX, I received an e-mail from Discover stating they cancelled my account effective immediately. They stated they tried verifying my personal information, but they never contacted me. I called Discover and I told them that I never received anything in the mail, by phone or e-mail. They said they tried calling me a couple times on a phone number that isn't even mine. They said there is nothing they can do and my account will remain closed. I have had an account with them for years and they never did these verification reviews.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: Experian Information Solutions 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 i am filing a complaint for error on my credit report from XXXX, Experian, XXXX  so i want the items removed and deleted from my report or verified.

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 2020-05-03
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/20 @ XXXX called Capital Systems  XXXX no answer 47-second call XX/XX/XXXX @ XXXX called Capital Systems  XXXX no answer 54-second call XX/XX/XXXX @ XXXX called Capital Systems XXXX 1 minute 42-second call-representative informed me account # XXXX was sold and to call XXXX. No company name was given to me. 

XX/XX/20 @ XXXX called Capital Systems  XXXX no answer 47-seconds call-tried to call and get the name of the complaint that account was sold to. 

XX/XX/XXXX XXXX called XXXX to see why {$560.00} is being reported on my credit. The representative would not give me the company name and after asking 3 times she disconnected the call. 

XX/XX/XXXX @ XXXX called XXXX 1 minute 42-second call - this time I didn't ask for the company name I tried to talk to her about the original company that sold this account, its called XXXX. She kept wanting my full social security number. I only would furnish my name and date of birth. I stated to her several times that I have never had or even knew what that company was, I did inform her that they ( whatever business she was with ) falsely reported a debt of {$560.00} on my credit report. Also, they are falsely and knowingly reporting a monthly payment of {$560.00} on my credit report. I told the representative that her company is in violation of the fair and accurate credit reporting act and I needed this matter to be resolved ASAP od I will be reporting this to the consumer financial protection bureau. The representative hung up on me. 

So it's nowXX/XX/2020 and this is my formal complaint. PLEASE HELP ME TO GET RESOLUTION ON THIS MATTER CAUSE THIS IS CLEARLY TO ME THAT THIS INFORMATION IS NOT CORRECT AND ALL I KEEP GETTING IS SOME SHADY BUSINESS BEING REPORTED ON MY CREDIT AND NO HELP WITH AN EXPLANATION. THEY CAN NOT EXPLAIN ANY INFORMATION THAT I ASK FOR, ALL I HAVE GOTTEN WAS THEY WANT ME TO SETTLE WITH A LOW PMT FOR SOMETHING I HAVE NEVER HEARD OF.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I found out Chase decided to close my account with no explanation. My credit cards were cancelled immediately with no notice. I called and went to a branch in person to no avail as no one was able to give me a reason why my account was closed. Now Im scrambling to get all my finances in order when Ive done nothing wrong. Ive never missed a payment, nor did I ever have high balances on any of my cards. Ive never had any issues with Chase and Ive enjoyed banking with Chase during the past few years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My girlfriend sent me {$5000.00} on XX/XX/XXXX using Paypal to help pay for some work we are having done on our house. I tried to send the money from my PayPal account to my bank but was declined by PayPal. I tried to call PayPal to get the issue resolved but was unable to speak with anyone. I then tried to use the chat but have not been succesful in getting my issue resolved. Because of the way the chat works you send a message and someone answers a few hours later which makes it impossible to get anywhere. My communication has streched over 6 days and I stil l dont have access to my funds. First they suggested I withdraw the money in smaller amounts which really does me no good becuase I needed the money in a timely fashion. I tried to withdraw a smaller amount and have the money sent to my bank but was declined. Then I tried withdrawing a smaller amount using a card and was successful but this menthod has fews associated with it that the other method does not. Also the amount I could withdraw was a fraction of what I needed. Then they told me to set up a 'Cash Account ' and try to withdraw the money which I did and then was still unable to withdraw the money. They then got a specialist for me who told me to refund the money back to my girlfriend. I tried to do that and was unsuccessful because my bank declined with insufficient funds, although why I need any funds from my bank I dont know. All I am trying to do is refund the money that was sent to me. At this point I dont know what to do because Im afraid to cancel the refund or to try to withdraw the money again beause I dont want to be charged any additional fees. The most frustrating part is there is no one to call to resolve this I just keep getting a chat bot on the website. and I have been without access to my money for 6 days now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-02
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:
A number of accounts that don't belong to me are been posted in my credit, that is when I learn that my identity has been stolen, upon reading about identity theft it says that I had to report this incident with the FTC and fill out a report with the items in question. further more according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent, unverified accounts must be removed. please send me that information or remove these accounts from my credit, the law is very clear about this. 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 2023-05-21
Company: Experian Information Solutions Inc.
State: NC
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:
I reviewed my Consumer Reports and noticed that I had XXXX ( XXXX ) late payments on an account that I was never late for. 

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

I have never been late on payments for the account : XXXXXXXX XXXX XXXXXXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 

Thanks

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 2020-07-21
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/XXXX I purchase a used XXXX XXXX XXXX XXXX and dealer placed it through Ally Bank. I purchased GAP , Road Hazard, Maintenance plus additional warranty coverage through XXXX XXXX but cancelled it 2 days later. XXXX sent Ally four ( 4 ) separate checks {$520.00}, {$890.00}, {$1900.00} and {$2100.00}. 

XX/XX/XXXX Ally processed the {$520.00} ck as my 1st pmt. and therefore took out {$100.00} in interest. 
XX/XX/XXXX I paid online my first payment of {$420.00}. Since Ally says the above {$520.00} was a payment and not a refund I was paid ahead and I had to force them to accept my real payment ( again taking out more interest ). 

XX/XX/XXXX Ally processed the {$2100.00} check and again took out {$55.00} in interest. 
I have " chatted on line '' since that's the only way you can talk to anyone on : XX/XX/XXXX and again on XX/XX/XXXX. My chat on XX/XX/XXXX stated that the finance charges will be processed to my principal balance in 1 to 2 business days. Didn't happen. 
XX/XX/XXXX lengthy chat. Briefly, I was told multiple times " my position is not enough to fix your problem ''. 
I will send a copy of both chat sessions and I apologize beforehand for my anger.

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