BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I sent out a letter with disputes to this credit bureau on XX/XX/2021 and again in XX/XX/2021 and the outcome from the credit bureau has been to update information on my credit report when they should be removing the tradeline for FCRA non-compliance.

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 2020-06-07
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
on XXXX XXXX I file dispute to against Experian to investigate incorrect information that was reported to my credit report. Experian has reported incorrect collections to my account as well as incorrect personal information. There was a {$130.00} collection, a wrong name, 8 wrong addresses and a wrong employer. I requested an investigation for these items and I sent a demand to reply letter on XXXX XXXX I never received a response or update regarding the investigation.

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 2019-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
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 account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

- Chapter 7 Bankruptcy 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 explanation
Consumer complaint received 2018-10-31
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I have had a Sears Mastercard since XX/XX/XXXX. Back in XX/XX/XXXX or XX/XX/XXXX of this year, I added my boyfriend on my account as an authorized user. Prior to doing so, I called customer service to verify how the process works because I did not want to tie my boyfriend to my address because he does not live there. I was advised the card would be in his name but would be sent with my name on the envelope and because they don't take any other personal information besides the name, it wouldn't affect his credit reports or attach him to my address. Yesterday, I received a pre-approval letter in the mail from XXXX XXXX with my boyfriend 's name on it. I immediately contacted Sears customer service about their privacy policy as it states they do not sell your information and spoke with an account manager.  She told me to prove it was then and hung up on me. I DID NOT AUTHORIZE for Sears to sell my information used to conduct business with Citibank to another credit card company they're not affiliated with. This is a strict violation of their privacy policy. Sears is the ONLY company ever to associate my boyfriend 's name with my address. He has not been added to any other credit card, all the utilities are in my name at my house so there is no other way to tie him to me besides adding him as an authorized user on my 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 non-monetary relief
Consumer complaint received 2018-10-31
Company: Paypal Holdings, Inc
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AS I HAVE DONE SEVERAL TIMES BEFORE I PLACED AN ORDER N XXXX AND BOUGHT ONE BUNDLE OF 26 INCHES OF XXXX XXXX XXXX. THE ORDER TOOK FOREVER TO REACH ME AND WHEN IT DID THE BUNDLE OF HAIR WAS AWFUL. IT WAS DRY AND IT SHED LIKE A DOG. I CONTACTED THE COMPANY AND TOLD THEM ABOUT IT AND THEY ASKED ME FOR MY PAYPAL ACCOUNT. I GAVE THEM THE INFORMATION AND THEY REFUNDED THE MONEY. BUT THE COMPANY WANTED ME TO GIVE THEM 5 STARS AND I REFUSED TO LIE SO I TOLD THE TRUTH ABOUT HOW AWFUL THE HAIR WAS. WELL AS SOON AS THEY SAW THE REVIEW THEY CONTACTED PAYPAL AND LIED AND CLAIMED THAT THEY SENT ME MONEY FOR A PRODUCT THAT THEY DID NOT RECEIVE. THEY BECAME ANGRY ABOUT THE FACT THAT THEY GOT A BAD REVIEW. SO THIS MORNING I GET A EMAIL FROM PAYPAL TALKING ABOUT THEY PUT RESTRICTIONS ON MY ACCOUNT AND TRIED TO DEDUCT THE MONEY BUT IT WAS NOT THERE. WELL IT WAS NOT THERE BECAUSE I DON'T OWE IT. THE NAME OF THE COMPANY WAS XXXX. THEY EVEN GAVE PAYPAL A TOTALLY DIFFERENT COMPANY NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
So my account on coinbase got temporarly locked and I should contact them to unlock it. I wrote them and got a response about answering some security question. I did that and it was on the XX/XX/2019. Now it is the XX/XX/XXXX and I still got no answer. The Case is : # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
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:
EXPERIAN IS IN VIOLATION OF THE FOLLOWING SECTIONS OF 15 USC 1681, I HAVE PROOF IN THE ATTACHED EXHIBITS. 

-15 USC 1681b ( 2 ) -15 USC 1681 ( b ) -15 USC 1681e ( b ) -15 USC 1681a ( 4 )

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 2020-06-23
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The XXXX XXXX Credit card company was overpaid by mistake for {$5700.00} which was cashed on XX/XX/20. It was an over-payment of XXXX as I mixed up payments between XXXX XXXX XXXX and XXXX XXXX service credit card. I have since been trying to get my money back in the amount of {$5100.00}. 

I have called 4 times times, and each time I am told the check will be mailed in two weeks. It has yet to arrive. Today I tried to call and was put on hold for over 30 minutes twice. The last time I spoke to XXXX employee # XXXX on XX/XX/20. He informed me it would be mailed out in two weeks. It didnt. 

Today on XX/XX/20 I still have not received a check and was told by XXXX XXXX # XXXX ( from Tennessee ) that there was an investigation and they still had not mailed out the check but would mail it out today. And would take two weeks, then he changed his conversation and said two business weeks, then he changed it again and said 17 days. 

I do not believe them at this point. If I owed them this much money they would have called me non-stop and charged me interest. Unfortunately I cant charge them interest and they have never called me or even told me that the money was being delayed due to some made up investigation. They keep changing their story to cover their incompetence. I would simply like my money back.

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 2020-06-23
Company: ALLIED MORTGAGE GROUP
State: MD
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 am in market shopping to Re-finance my mortgage. I spoke to a lender- Allied Mortgage Group ( https : //www.alliedmg.com ) on XX/XX/2020 exploring details on what offers do they have available. The representative took some details regarding my Annual compensation, current mortgage details and property location. We NEVER spoke about running credit check. 

On XX/XX/2020, I get a notification through a credit monitoring app that a credit inquiry was made on me by Allied Mortgage Group. I never authorized the company to make any inquiry on my credit, and they ran an unauthorized check. When I reported the discrepancy to the representative, he used profanity and abused me on phone and text message.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I recently logged into my Chase.com account and noticed a section for " Chase Offers '' at certain merchants. One offer was for " 10 % back '' at XXXX XXXX. Since I was looking to buy a new television, I decided to use my Chase issued United Explorer card to make this purchase- a card I rarely use otherwise. On XX/XX/2021 I made the TV purchase on XXXX for a total of {$690.00}. Based on the offer, I should've received {$35.00} back from Chase as the offer is capped at that maximum. 

On XX/XX/2021 I received my monthly credit card statement with the full amount of {$690.00} as the balance. I waited until today, XX/XX/2021, to see if that {$35.00} credit would somehow be posted ( which it wasn't ) before calling into Chase customer service. I explained the situation to the customer service agent, but she indicated that I am not eligible for that offer. I asked how that was possible, given that I was logged into my Chase account at that very moment and still saw the offer in my account with a green check mark indicating it was active. She double-checked and continued to insist that I'm not eligible for that offer.

Since the only reason I used my Chase United Explorer card to make this purchase was for the expected {$35.00} credit, this seems like a definite case of misleading marketing or abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Just to give a specific in a short version I dont know how much typing this allows me. PHH Mortgage has giving me the run around for 9 months now. CS Reps no knowledge how to answer questions you ask. Being assigned to a different case mgr twice.Submitted 4- 5 mortgage assistance applications for them to tell me I'm not eligible because I need to have my loan 12 months which was not stated. If I knew that why would I go thru 9months of faxing, calling, spending money to send all this paperwork. I wait til it 13 months as they suggested and be denied again Now here come the pandemic I explained I have {$10000.00} toward my NOW {$18000.00} to resolve my mortgage up to date and they say NO REALLY! LOOK AT THESE DATES THEY SUBMITTED VIA MAIL I could speak to them via phone then they send a letter dated the same day with a different response. IM already nervous abt this virus as I suffer from XXXX & XXXX PLEASE PLEASE REVIEW ATTACHMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Navient Solutions, LLC.
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:
I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: ZIONS BANCORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am the holder of Zion 's Bank ( " Zion '' ) checking account number XXXX. 

I DO NOT HAVE OVERDRAFT PROTECTION. 

Perusal of my bank records reveals a selective approval of charges, mostly amounts fewer than {$10.00}, which incurs {$32.00} overdraft charges. 

Since I do not have overdraft protection, the approval of funds is purely discretionary. The bank continues to approve charges which are of a lesser amount to maximize the profit gained via {$32.00} fees. 

In fact, the bank willfully and deliberately ignores its own policy enshrined in contract that " forgives '' overdraft charges where the amount in question is fewer than {$10.00} I have filed multiple complaints against Zion and  even secured a {$190.00} settlement. However, it now appears that the bank is engaging in retributive action and endeavoring to recover the settlement amount ( and much more ) by punitive imposition of fees. 

Throughout XX/XX/2018, I have paid {$380.00} in overdraft fees. I REPEAT, I DON'T HAVE OVERDRAFT PROTECTION. Thus, each and every transaction approved while my account lacked sufficient funds was purely discretionary. EACH AND EVERY TRANSACTION IN QUESTION WAS FEWER THAN {$10.00} WHICH BY THEIR OWN POLICY SHOULD NOT INCURR FEES. 

Throughout XX/XX/2018, I have paid $ XXXX overdraft fees. I REPEAT, I DON'T HAVE OVERDRAFT PROTECTION. Thus, each and every transaction approved while my account lacked sufficient funds was purely discretionary. EACH AND EVERY TRANSACTION IN QUESTION WAS FEWER THAN {$10.00} WHICH BY THEIR OWN POLICY SHOULD NOT INCURR FEES. 

Zion is engaged in a willful and deliberate pattern of behavior whereby minor charges are approved in a bid to maximize Zion 's earning through the OverDraft fees process. And this pattern persists even with the accounts of holders who have opted out of Overdraft protection. 

Furthermore, Zion persists in " stacking '' transactions so that OverDraft fee liability ( even for holders who've opted out of it ) would be incurred resulting in unseen and undeclared charges to holders tantamount to illicit conversion of the funds of account holders.

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 2020-06-23
Company: Experian Information Solutions Inc.
State: MI
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 contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below and if the ftc. XXXX  XXXX, XXXX  no account number is was added it was a secured card, XXXX XXXX XXXX XXXX .... XXXX XXXX who has not removed this account after multiple times of contacting them directly and also requesting validation.

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 2019-06-18
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:
XXXX XXXX XXXX WITH ACCT # XXXX OPENED ON XXXX WITH A CREDIT LIMIT OF {$3700.00} -THIS IS NOT MY ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX and XXXX XXXX submit these letters of negotiation on several credit cards through the Consumer Financial Protection Bureau to show good faith to our creditors. We have gone through medical issues and job changes, and are now in a much better position to resolve our debt matters in an orderly manner. Accordingly, we submit these letters of negotiation as follows :

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
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 account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX ; XXXX XXXX Original Creditor : 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 explanation
Consumer complaint received 2018-10-31
Company: Waypoint Resource Group, 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:
Checked credit report and see there is a new collection added to report. I haven't received any correspondence of a debt to dispute and have never dealt with this company. I don't have any contracts or legal obligations to this company. Please provide proof of validity. Delete from 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 2020-06-07
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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 see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On approximately Saturday, XX/XX/XXXX I reviewed my TransUnion credit report. Upon reviewing examining the file in further detail I noticed that an old credit card account from " XXXX XXXX '' was still reporting as a " current account '' despite being closed nearly three years ago. On my credit report, under " Payment History '', Trans Union 's comments indicate this account was closed in XX/XX/XXXX ( a comment of XXXX is noted ). I disputed the status of this account with TransUnion on approximately Sunday, XX/XX/XXXX. TransUnion responded saying that they verified the account status as accurate based on information provided by the creditor ( despite my credit report from the other two reporting bureaus showing this account as closed ). I am therefore submitting this complaint against XXXX since they have submitted inaccurate information regarding my closed credit card account to Trans Union. I have attached a copy of my Trans Union credit report for 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 2019-06-18
Company: CITIBANK, N.A.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX and XXXX XXXX submit these letters of negotiation on several credit cards through the Consumer Financial Protection Bureau to show good faith to our creditors. We have gone through medical issues and job changes, and are now in a much better position to resolve our debt matters in an orderly manner. Accordingly, we submit these letters of negotiation as follows :

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