BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-11
Company: EQUIFAX, INC.
State: NJ
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:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
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:
On XX/XX/2020 Ive sent documentation about those accounts unknown and inaccurate on my credit report. Its over 30 Days today but I haven't received a response. I was a victim of XXXX  Data Breach. I demand to remove those accounts or I will file a litigation.

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 2020-12-11
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:
On XX/XX/2020 Ive sent documentation about those accounts unknown and inaccurate on my credit report. Its over 30 Days today but I haven't received a response. I was a victim of XXXX  Data Breach. I demand to remove those accounts or I will file a litigation.

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 2020-12-11
Company: CITIBANK, N.A.
State: WA
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 made reservations on Norwegian Airlines using my Costco Citibank Visa Card - ( XXXX, XXXX - XXXX - XXXX XX/XX/2020 - XX/XX/2020 ). Base fare for two was {$1000.00} plus two seats for {$180.00} = {$1200.00}. On XX/XX/2020 was notified that the airline was discontinuing overseas flights and a refund claim submitted ( code : XXXX ). Because there was no timely response a claim was submitted to Citibank on XX/XX/2020. On XX/XX/2020, XXXX XXXX acknowledged receipt of the claim but were " unable to assist during this difficult time ''. Thereafter there were many corroborating mailings to Citi in South Dakota as well as Emails to both Citi and Costco. On XX/XX/2020 Citibank 's website stated that they had settled the claim in the airline 's favor. Subsequently, letters and Emails were sent to Citi asking for clarification. On XX/XX/2020 was notified by XXXX that there was nothing more they could do, and Citi Costco Visa could assist no further.

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 2020-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My most recent request to TransUnion and the other bureaus on XX/XX/2020 is being ignored. I had specific questions about the accuracy of the items on my credit report and I am not getting an adequate response. I spoke with a representative at XXXX on XX/XX/2020 and they stated they received my letter but they want me to open a new dispute. I dont want to open a new dispute. I am asking for the specific questions I asked in my letter on XX/XX/2020 be investigated properly. This situation is causing me distress and affecting my ability to get credit.

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 2021-01-26
Company: ID Analytics, Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was denied credit because I have a security freeze on my account with SageStream , LLC. I did not give this company permission to place a security freeze on my file. They have no documents proving that I have ever had contact with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Chime Financial Inc
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My account has been closed and I have not been able to contact any live person to resolve the issue. I submitted requested information as provided me and still my account was closed. There is no contact resource other than an email address and I have submitted daily emails for the past 3 weeks with no response at all. I have no money to live on, pay my past due rent now, buy food or pay bills. I am XXXX. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: JPMORGAN CHASE & CO.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022, I had a wire in the amount of {$86000.00} sent from my local Chase branch to a XXXX XXXX in XXXX. The wire never got there. The money had to go through XXXX XXXX in XXXX XXXX and the XXXX XXXX in the XXXX. Through tracking I found that XXXX XXXX never received the " Cover Funds '' but had received the instructions. The funds were finally byreturned to my account on XX/XX/2022. More than a month after they were sent. I have been asking for details about where my money was and only get the response that the money has been returned to my account. I want to know who had it for over a month. If Chase sent it to XXXX and XXXX never received it, it seems that XXXX had my money for a month and I want to know why.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
The investigation report stated inquires are removed but they still show on my credit report. 

CREDIT FILE : XX/XX/XXXX Confirmation # XXXX The Results Of Our Reinvestigation >>> The information you disputed has been received. The results are : THIS INQUIRY HAS BEEN DELETED. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : THIS INQUIRY HAS BEEN DELETED. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: Self Financial Inc.
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I was shocked when I reviewed my credit report and found late payment in XX/XX/2020 for 30 days late. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
The account went into overdraft moments before closing of the business day. I rectified it before opening of the following. They slapped me with charges. This is very predatory practice as who sees the overdraft minutes before the close of the business day. I wasnt even given a full day to rectify before charging fees. This should be illegal. I have also found on their website grace period checking promotions to which I was told I had no idea what I was looking at by the agent. This bank is terrible to their members just check any social media post.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Check my previous complaint where they responded that they would stop calling as of XX/XX/2020 since this is not the number of any person who has done business with them. They have not stopped calling for one day, and they call up to 4 times per day every single day. Between XXXX to XXXX so far ( it's only XXXX so they might call a few more times ) just in those 3 days they have called XXXX times. These are willful FDCPA violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-31
Company: Experian Information Solutions Inc.
State: MA
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:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX  student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.

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 2020-05-14
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sent collections agency ( Credence Resource Management ) 609 letter to validate the debt. I did not receive any of the information  requested. The letter was dated XX/XX/2020. This well past the 30 days. XXXX  advised me that I needed to contact CFP for some resolution. Below were the information that I asked for. 

Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-03
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I finished school in 2012 at XXXX. My outstanding loans were XXXX. some how they reported me owing XXXX. Need resolved! Have made hundreds of calls. Never get a resolution and company is dropping the ball every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
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:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$1900.00} XXXX   XXXX {$450.00} XXXX XXXX {$3100.00} XXXX XXXX {$3800.00} XXXX   XXXX XXXX {$760.00} XXXX   XXXX {$5600.00} XXXX XXXX  XXXX {$1100.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2020-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX  student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.

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 2021-07-16
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I been calling equafax regarding an account thats reported on my report everytime I work in to a dealership every dealership see it..but whe. I call Equifax they said its not showing on the file so they need to update so everybody else can see the same thing with them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: Paypal Holdings, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am unable to speak with a PayPal Dispute Department representative to address two identity theft issues with my PayPal account. 

The first issue is under claim or case number XXXX. This issue relates to a false charge from the PayPal collection agency, XXXX, stating that I owe PayPal {$480.00} when in fact I have a XXXX balance in my account. 

The second issue is under case number : XXXX. This relates to my PayPal account being connected by one or more pieces of personal information to another PayPal account. 

I have called PayPal customer service on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have spoken with Collections Department agents XXXX, XXXX XXXX ( very nasty agent who refused to allow me to talk with a supervisor ) and XXXX. After the Collections Department agents said they could not help me with my identity theft issues, they transferred me to the Dispute Department. On each transfer of my call on all three days I was unable to speak to a Dispute Agent due to two problems : 1 ) my call was dropped ( hung up on ) by the PayPal automated system ; and 2 ) I was on hold for over 15 minutes when I finally had to hang up waiting for a Dispute agent to answer my call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-31
Company: Navient Solutions, LLC.
State: MA
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:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't Navient student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: Experian Information Solutions Inc.
State: LA
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:
RE : Request for Investigation of Unauthorized Inquiries I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed several unauthorized inquiry had been made. 

I contacted the creditor, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I was informed from the creditor to dispute the hard inquire with the credit bureau. 

I request that you initiate an investigation into the below Hard Inquires listed from creditors I did not approve to inquire a hard inquire. I am requesting the following hard inquires be deleted from my credit report due to non authorized hard inquire. inquiry on my credit report to determine who authorized the inquiry. 

Please delete the following account due to non authorize hard inquire : Alert Date XX/XX/XXXX Company XXXX XXXX  XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX   XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Department & Variety Stores ( 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 non-monetary relief
Consumer complaint received 2020-08-31
Company: Experian Information Solutions Inc.
State: MA
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:
Good morning ; How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts all my student loans accounts. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX   student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.

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 2020-12-11
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Unauthorized charges XX/XX/XXXX {$160.00} XXXX  XX/XX/XXXX {$180.00} XXXX Both charges at XXXX when the store was CLOSED!! 

Disputed charges with Venmo they decided against my favor. 

They gave me a temp credit that day. 
And now saying they will take away the credit on XX/XX/XXXX. 

I had the card in my position. Cancelled and alerted Venmo with in 4 hours of email notification of charges. 
Signed affidavit of fraud and sent notarized to Venmo.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-26
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: Credit inquiries on your report that you don't recognize

Complaint:
Equifax is reporting inaccurate inquires on my credit report

Company response to consumer: Closed with explanation