BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2022-02-19
Company: EQUIFAX, INC.
State: PA
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:
My consumer privacy has been violated and inaccurate accounts that have been noted are being reported. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit BureauXXXX date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX {$5700.00} USDCurrent balance {$620.00} USD Available credit {$0.00} USD due XX/XX/XXXX This is correct, they are still showing XXXX owed and will not update it timely fashion. 
Synchrony Bank I am applying for a Refinance and paying more as they refuse to update the credit with the bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-19
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
My problem is with PayPal. I received a refund from a vendor on XX/XX/2021 that should have gone back to the purchasing credit card ( XXXX ) but that instead PayPal is holding XXXX in the form of " Money is Waiting for You ''. PayPal will not transfer amt to XXXX card as a refund claiming that vendor method of processing refund is to blame, so I asked for a refund by check as best and most private alternative - I do not want to give PayPal any additional personal or bank information to obtain refund. PayPal indicates that this is possible, but in practice it has been impossible to implement over many months of attempts. On website, I'm directed to click " XXXX XXXX XXXX ''. Options then include : Transfer it to your bank '' or " XXXX XXXX XXXX XXXX '' or " get a check by mail instead ''. Selecting " get a check '' links to window where user is asked to select either Transfer " in minutes '' for a fee or in XXXX days for no fee. Either choice takes user to to next step which requires user to link a bank account, which is precisely what I don't want to do. XXXX is to set up PayPal cash XXXX, which requires providing XXXX etc. How can this be legal?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-30
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
The injuries and inaccurities remain on my credit unverified. XXXX continue to provide and furnish all of these inquiries on my credit profile under my social security number. I have proof of USPS priority postages that my disputes was indeed signed for. XXXX continue to ask for proof of identity when I sent them a utility bill, ID, and a copy of my social because they demanded I turn these forms over to verify the account. I now they are committing fraud on behalf of my social security number. The inquiries is still unmarked or disputed to this day. Please Remove Now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
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:
In early XXXX of XXXX, I discovered that I am a victim of Identity Thief. On XX/XX/XXXX, I contacted Truist bank to report a fraudulent deposit of {$18000.00} was made to an account holder. The representative told me to email all the information I have to XXXX which I did on XX/XX/XXXX. Once the email was sent, I received an automated reply. On XX/XX/XXXX  I called Truist bank to confirm if the email was received and what actions have been taken if any. The representative informed me that no actions have been taken on the account, but it will be frozen and to email XXXX for any follow-up questions I have. On XX/XX/XXXX  I sent an email asking for a follow up to my claim and what actions have been taken. I also provided a cell number so they can contact me directly. I received another automated reply confirming my email has been received and an analyst will take the appropriate action. To date I have not received any further communication from Truist Bank.

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 2022-02-19
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
From XX/XX/XXXX to XX/XX/XXXX, I qualified for Mortgage Payment Forgiveness, accumulating a Mortgage difference of XXXX. In XXXXXX/XX/XXXX, the mortgage was XXXX. As of XX/XX/XXXX I had a Mortgage of XXXX, but because of the Mortgage difference, my mortgage went up to XXXX. 

I need to know if the Mortgage Difference of XXXX can be forgiven since my wife and I are retired and we receive a joint Monthly income of XXXX, while the monthly Mortgage is XXXX. But as of XX/XX/XXXX, the mortgage will increase to XXXX plus light bill of an average of XXXX, and water bill of an average of XXXX. 

I appreciate your assistance in this matter and await a favorable response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
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:
However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct.

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 2021-01-20
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Apply for a refinance on the XXXX of XX/XX/2020, the opening document was put together on the same day of the XXXX of XXXX after that day I received a email of the opening refinance documents, as many as two and three email from others agent from pennymac, the first reordered telephone call was from a reference agent, I told her that I wanted to do a reference with XXXX and XXXX, with no mortgage payments until XXXX, I told her if I could not get XXXX and XXXX off with no mortgage payments I did not want to do a refinance, she never told me to hold or save XXXX payment, but she did tell me not to pay XXXX and XXXX mortgage payments until XXXX, so iam two months behind of my mortgage because of this mistake if the agent,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help

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 2021-03-24
Company: Chime Financial Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
Back in XXXX Chime closed my account without any notice, I contacted them by phone & he asked questions about my last transaction I told him which was right. he let me know what information to send & also a selfie was needed I sent that information immediately the same day I was emailed. They took almost a week to respond only to tell my account was being closed refer to a section in there deposit agreement & that i wasnt eligible for a refund so now im panicking! Im out of work due to have a baby not working at the moment because of XXXX and my dr preferred me to stay out of work until after the baby!! ive been contacting them since then & theyve blocked my number from calling & not responding to emails. At this Point I dont know when my next dollar coming in I have a XXXX and XXXX on the way this is stressing me out so bad .can they just take my hard earned money like that?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have been victim of Credit card identity theft My Chase checking account has been exposed to fraudulent activities since Saturday XX/XX/XXXX. 

- some open new credit card under my name ( Chase unlimited ), as soon as I noticed that this new additional card was listed under my Only Chase sapphire preferred card I had to call bank to report and request from the bank to shut down that account. The bank did it and they said they will contact XXXX, XXXX and XXXX. I wasn't able to get in touch with any to those agencies. I will be doing report myself as well. 
- On XX/XX/XXXX some unknown person made an online payment from my credit card to XXXX in amount of {$300.00} and change. I called the bank to dispute it and they did.The charge was disputed. 
- On XX/XX/XXXX person under name XXXX XXXX of {$100.00} paid himself with using my XXXX account. The bank was able to prof that this was a fraud. 
I has one more transaction of {$50.00} on XXXX totally unknown. 
- I called bank to close by credit card and to reissue a new card.I received envelop with 2 credit card on XX/XX/XXXX with XXXX cards in it, both cards had same number but they are under XXXX different names. XXXX was under my mine name XXXX XXXX and the other credit card was under name XXXX XXXX. I have never heard of this name before in my life. 
- every time I would call the bank when they ask me to cofirm my address it would turn out that address on file doesn't match. Some is changing my information on daily basis. 
I will go to the bak to request change of my account number - ON XX/XX/XXXX I had to call the bank to close my debit card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

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 2023-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I applied for credit card. 
Was able to activate credit card. 
Used credit card 4-5 times. 
Attempted to make several payments, all with no success. 
Payment bank card has funds available to cover full payment. 
No issues with payment card or bank account. 
Tried directly linking bank account routing and account number, still no success. 
Late fees continue. Credit being hit. NO PAYMENT STILL ACCEPTED. 
Tried to have someone else make a a payment on my behalf, again with no success. 
Was told by credit card company that my bank was the issue. It is not. 
Was told by credit card company that they had no legal department I could speak with. 
Was told by XXXX XXXX XXXX that they do not give out supervisors names. 
Was told by credit card company that I would not be able to access the voice recordings from our conversations. 
Still unable to make a payment. 
Still accruing late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. Experian and XXXX must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX 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 2020-01-09
Company: Experian Information Solutions Inc.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX  is reporting a debt on my credit file. I did not know I had this debt on my credit file until I checked my credit. I have made several calls to them in attempt to verify the debt and pay it. XXXX XXXX is stating that the debt is sold, but they can not give me information on who they sold it to because they don't know. Not only are they violating my 30 day right to dispute. I didn't receive any phone calls, notices or letters. But they won't tell me who I can pay the debt to. This is affecting my credit and financing and I need them to remove this debt.

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 2023-01-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint XXXX XXXX XXXX XXXX XXXX XXXX  I am including it again., XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2018-04-24
Company: Avant Credit Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I called Avant to request a lower my 29.94 APR but the rep said the only way I can receive a lower APR is if I would agree to borrow an additional {$1000.00}. I feel as though I am being ambushed without any way to get from under this loan quicker. I am a veteran and live on a limited income. I need help getting my APR lowered so I can pay this loan off sooner because they are gouging me with all their fees. I have an amazing payment history which has been on time and I don't know why they can't lower my APR. I feel as though the fees should hlf the amount they are charging. 

See below : FEDERAL TRUTH IN LENDING ACT ( " TILA '' ) DISCLOSURES ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. 
29.94 % FINANCE CHARGE The dollar amount the credit will cost you. 
{$2800.00} Amount Financed The amount of credit provided to you or on your behalf. 
{$5300.00} Total of Payments The amount you will have paid after you have made all payments as scheduled. 
{$8100.00} Payment Schedule : You must make 35 monthly payments of {$220.00}, with the first payment due on Friday, XX/XX/XXXX, and each subsequent payment due on the same day of each month thereafter, and a final payment of {$220.00} plus any unpaid fees, charges, and interest due on Friday, XX/XX/XXXX. 

Security : Your Payment Authorization as set forth in Section 3 ( b ) of  this Note secures repayment. 

Late Fee : If a payment is not paid in full within 10 days after its due date, you will be charged {$25.00}. 

Prepayment : If you pay off early, either in full or partially, you will not have to pay a penalty and you will not be entitled to a refund of part of the finance charge.

Company response to consumer: Closed with explanation