BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-24
Company: Experian Information Solutions Inc.
State: OH
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 provided Experian documentations twice of my correct address. They have a copy of my Driver License that was sent certified along with my dispute letters. I have continuously tried to contact Experian and have fail to get through to a representative. I even contacted the fraud department and still no possible way to get a live person. This is an urgent matter. There are several personal information reporting that does not belong to me. Also inquiries that are also reporting that I did not authorized. I had a security freeze and I am concern as to why it was not active when these unauthorized inquiries applied to my credit report. I also contacted two creditors who stated they have requested to remove the inquiries, however theyre still showing. And this was in 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 2019-09-09
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:
Thereareaccountslisteduponmyreportthatdonotbelongtome.IhaveadvisedExperianofsuchonnumeroustimes.Havecontactedall3companiesandneitherhasrespondedtomyrequestsohowisthatExperiancontinuestoreportinaccurateandfraudaccountsontomycreditfile.Ifacompanycannotprovethevalidityofsuchaccountstheymustberemoved.FurthermoreIhaveneverevendealtwithorhadbusinesswitheitherofthecompanieslistedbelowandtheyhaveallfailedtosendmenoticetogivememyrighttodisputethevalidityoftheaccount.THESEACCOUNTSARERESULTSOFIDENTITYTHEFT.
XXXXXXXX/XXXXINTHEAMOUNTOF{$11000.00}XXXXXXXXINTHEAMOUNTOF{$410.00}XXXXXXXXINTHEAMOUNTOF{$350.00}

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 non-monetary relief
Consumer complaint received 2018-05-21
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Primary document is Attachment A. 
Supporting documents are Attachments B1, B2, C, D, and E Active account numbers have been redacted. 
Remaining account numbers have been closed. 
My name has been used because of prior contacts with the Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/2020 at XXXX XXXX  I answered the call after ignoring 15+ times, or getting to the phone late. I let the man named XXXX finish his intro and let him know " Do not call '' I repeated this phrase over 5 times giving him a chance to respond each one, he demanded to know who I am or else he can not file the DNC and they will keep calling. I have done collections myself and know that you can mark a phone number as DNC without having an account pulled up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-14
Company: SYNCHRONY FINANCIAL
State: PR
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/2023, I purchased merchandise with my PayPal credit card ( issued by Synchrony Bank ) for the total amount of {$170.00}. One item for {$30.00} and another for {$140.00}. The seller canceled the purchase for {$30.00} and issued a refund for the same amount on XX/XX/2023. The item, which cost {$140.00}, was returned to the seller and the seller issued a refund for {$140.00}, also on XX/XX/2023. The sum of both refunds is {$170.00}. However my PayPal credit card, almost two weeks later, still shows up with a balance of {$170.00}. This balance must be XXXX as I have two refunds totaling {$170.00}. This unjustified and discriminatory delay by PayPal Credit has caused me great concern and despair.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-08
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX purchased a potential delinquent account from XXXX XXXX belonging to XXXX XXXX of XXXX XXXX, West Virginia. XXXX XXXX has not lived at the address where this charge would have occurred in over 8 years. There literally is no way possible this " apparent debt '' is less than 8 years old. 

It appears the delinquent date that is showing on his credit report is the date the company purchased the account, not the actual date of the delinquency. There is no legal way this information should still be on his credit report, yet this company is showing the account has only been delinquent since 2016, so it will take that much longer to fall off the credit report. This is FRAUD and I'm filing fraud reports with every known agency that handles these matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: IL
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:
So, I obtained a copy of my credit report and notice multiple errors with my personal information as well as account that I do not own this information is destroying my credit and I don't think is fair at all I'm sure I have rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: ACIMA CREDIT, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I used acima finance company for some furniture from XXXX, i have made all my payments on time i used a credit card to make the payments and i notice on XX/XX/22 every time i made a payment to the company i have been getting charged a XXXX $ XXXX advance fee. I asked the company how are the charging me an they stated as a debit card instead of a credit card, i asked if they can charge my card back and then take the payments back as a credit charge they stated they cant do that an they cant do anything to help me but pay one XXXX $ charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I was n't aware that I could lower my monthly payments and each time I called navient they kept putting me under a forbearance. I have gained a substantial amount of interest now!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

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 2019-10-06
Company: Experian Information Solutions Inc.
State: NH
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:
XXXX XXXX continues to report a chapter XXXX bankruptcy as dismissed, but it was terminated, and should not be on my report. XXXX has removed it, but Experian has not, even after documents, and several attempts.

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 2020-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XX/XX/XXXX, TransUnion and XX/XX/XXXX on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received by XX/XX/XXXX, TransUnion and XX/XX/XXXX I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 5 months from my first written request and more than 3 months since my second written request and I still have not received any responses. I am confident that by submitting this 3rd inquiry that I will finally receive a proper response from the credit bureaus to my concerns.

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 2022-08-12
Company: OLD NATIONAL BANCORP
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
It is our belief that our mortgage with XXXX Bank and Old National Bank is based on fraud. I have attached documents to support our claim. The following is a breakdown of our complaint : List of events Pertaining to a loan of XXXX and XXXX XXXX XX/XX/2009 a Note is signed with XXXX, XX/XX/2009 a Mortgage is signed with XXXX Bank Mortgage dated XX/XX/2009 is recorded into the records of the XXXX XXXX XXXX of Deeds on XX/XX/2009. The purpose of the recordation is to memorialize the sale of the property thru the Note which evidences the debt and the Mortgage is which attaches itself to the intangible obligation evidenced by the debt Shortly after signing, an interest of the loan was sold to XXXX XXXX. The interest that was sold to the trust was the intangible obligation ( the debt ). 
There is No indorsement on the Note in which one would acquire rights to the Note. 
There is an incomplete stamping on the Note which has released the right to the Note without recourse to an as of yet unnamed payee. 
There is no Assignment to XXXX XXXX With XXXX releasing its rights to an as of yet unnamed payee, without recourse, no one will acquire rights to the XXXX Note without being named to the Note The claim that the XXXX loan is a secured loan is unsupported with any factual evidence.The claim that the incomplete stamping is a Blank Endorsement is a XXXX claim as they are attempting to make you thing that right are thru some other means other than XXXX. XXXX to acquire rights to a negotiable instrument.

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 2021-05-20
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a formal complaint against Account Resolution Services located in XXXX, FL. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX  and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Account Resolution Services has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2021-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 filed several disputes to the credit bureaus and yet have failed to get a reply. I feel like im being taken advantage of and ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2023-07-03
Company: AMERICAN EXPRESS COMPANY
State: TX
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 received an invitation to apply for the American Express Business Platinum Card and receive XXXX membership reward points on XX/XX/2023 offer expiring XX/XX/2023. I received another email 20 hours ago XX/XX/2023 @ XXXX. When I attempted to apply I receive the error message : " We are sorry. 
Prefer to apply by phone? XXXX XXXX our system is not responding. Please try later or call us at XXXX to apply for a Card. We apologize for any inconvenience. To learn more about other flexible solutions you can use to manage and grow your business, please return to American Express Business Credit Cards. '' When I called the number they attempted to bait and switch me to another lesser offer and told me to clear my browser cookies, that they were unable to allow me to apply for the offer over the phone and the online system erroring caused me to not be able to apply. I spent over 2 hours on the phone and was not allowed to apply to the individual offer sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I keep getting charg3d over draft fees all yea long and also they double charge the same charges or I will put money in have that amount then they say they charge me for a pet tense fee which I have no idea why

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 2023-01-22
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On multiple occasions I sent, registered mail with a police report from the XXXX XXXX XXXX XXXX in conjunction with the federal trade commission report and lastly my dispute letter. I disputed over the phone I have disputed online and through registered mail. Equifax is the only one reporting this inaccurate information and they refuse to honor my humble request although I have been victimized by identity theft. Please help me. XXXX XXXX. Equifax has horrible customer service and very disrespectful there business practices are unacceptable. I'm ready to take this credit reporting company to justice. Equifax has proven themselves incompetent and ultimately forced me to file this report. I tried to resolve on my own but they refuse to adhere to the police report ftc report and have totally disregarded my diapute letters. I have disputes this inaccurate item four times

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was laid off during XX/XX/XXXX and during the COVID-19 outbreak I fell behind payments and XXXX  which is XXXX charged off my secured credit card without giving me a chance or assisting me without any payment plan. 

One I began working on a contract, I contacted the debt collector hired by XXXX XXXX Radius Global ) on XX/XX/XXXX and setup a bi-weekly payment plan of $ XXXXPayments started on XX/XX/XXXX and bi-weekly payments continued until XX/XX/XXXX. 

On XX/XX/XXXX, I called Radius Global who was the debt collector for XXXX and ask for an settlement, they agreed on $ XXXXand I aid with my debit card which immediately was withdrawn from my account. 

Radius Global explained within 48 hours of the payment that they would notify XXXX of the payment that the account was settled. I then disputed my account with XXXX  and uploaded the settlement letter and the payments. On XX/XX/XXXX XXXX updated my XXXX  account stating that I the balance is now {$1500.00} and no payments were made on my account. 

XXXX is falsely reporting to the credit bureaus instead of reporting the account was settled and most of all that bi-weekly payments were being made on the account.

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 2018-03-03
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
A market order I submitted on XXXX to buy bitcoin cash in XX/XX/ 2017 executed at a {$6000.00} exchange rate. XXXX closed the order books two minutes after opening them due to lack of liquidity ( in that case they shouldn't have been opened in the first place ). XXXX/Coinbase retroactively modified their charts to remove evidence that bitcoin cash was ever valued at {$6000.00}. 

This trade cost me an estimated {$1500.00} loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Experian Information Solutions 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:
This constitutes fraudulent activity and is a serious violation of my right to privacy. Not only is this a breach of my rights, but this is a defamation of my character. When you provide a negative account that you claim I own, other businesses notice it, which has an adverse effect on my credit report and quality of life.

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