BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Dear Sir/Madam, I am writing to dispute false information that has been reported on my credit report. Specifically, I am referring to accounts that were given to my ex-husband in a divorce proceeding in 2016, despite the fact that these accounts are over seven years delinquent. Despite repeated requests, Experian has refused to remove these accounts from my credit report, causing significant damage to my credit score. 

Furthermore, I have reason to believe that my former spouse has intentionally reported me as deceased in order to take advantage of my good credit standing and score. This has led to my credit applications being denied, as I have been reported as deceased by my former spouse. This information is not only false, but it is also creating significant XXXX  and negatively impacting my life in various ways. 

I have made several attempts to contact Experian and other relevant parties, but unfortunately, these attempts have been unsuccessful for over seven years. I believe that the continued presence of these false accounts on my credit report and the intentional misreporting of my status as deceased by my former spouse is unjust and causing me significant hardship. 

Therefore, I request that Experian immediately remove the false accounts and any other erroneous information from my credit report. I also request that you investigate the intentional misreporting of my status as deceased by my former spouse, and take appropriate action to rectify this situation. 

I appreciate your attention to this matter, and I look forward to your prompt response. 

Sincerely, 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 2023-03-14
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
These accounts are in violation of15 U.S. Code 1681A. The investigation took more than 30 days XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TIDEWATER FINANCE COMPANY, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to the Fair act XXXX  account # XXXX has violated my rights 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B a creditor may not treat on an account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
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: Investigation took more than 30 days

Complaint:
I hired a credit reporting agency, XXXX XXXX XXXX to handle all the discrepancies on my Trans Union XXXX credit reports after several letters to the credit agencies, they have failed to respond back and they have failed to remove any negative items that were discrepancies on my credit report I file XXXX XXXX bankruptcy there are still accounts showing on my credit report as negative under the XXXX XXXX, but they are not being handled the correct way XXXX XXXX XXXX has assumed power of attorney over my credit. The two have not received anything back after several letters to these agencies. This is negative negatively affecting my credit and no one has doing anything to help or fix or remedy the problem.

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 2023-03-14
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I used XXXX to pay for a service from my USBANK ACCOUNT. 
XX/XX/XXXX  I sent {$120.00} XX/XX/XXXX  I sent {$350.00} XX/XX/XXXX  I sent {$200.00} When I viewed my USbank account Statement instead of the above listed amounts the USbank account listed the following payments which I didn't authorize. 
XX/XX/ I sent {$1200.00} XX/XX/ I sent {$3500.00} XX/XX/ I sent {$2000.00} I filed a dispute with USBANK and they never responded and never returned my funds.

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 2023-03-14
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: Account status incorrect

Complaint:
Upon reviewing my current credit report from your bureau, I came across the disputed account, and I don't think they are 100 % correct. Would you please UPDATE this ACCOUNT from my credit report?

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 2023-08-01
Company: LEXISNEXIS
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I tried multiple times to get my report, but they were no help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hello, my PayPal account can not be link with the bank and withdraw cash. I have called the PayPal customer service representative many times, but the problem has not been resolved. Please help me, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: GA
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. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: JPMORGAN CHASE & CO.
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Dear Sir/Madam, My name is XXXX XXXX and I have a terrible experience with Chase recently XXXX By now, I still couldnt get my money back from them. 
I made a big transfer from an external bank to Chase about a month ago. A few days later I saw the transaction completed on my Chase bank account so I started to spend the fund on something else. However, just 2 days later, my Chase account showing the money was returned to my original external account, leading to my bank account as a negative balance! The worst is that almost two weeks later, my external account didnt receive the return at all! When I called Chase, they kept saying this because my external account didnt have sufficient fund. When I initiated the transfer, my external account has almost double of the amount I transferred. Therefore, this is just an excuse for them to explain the disappeared money. I tried to contact them multiple times and every time they told me the same thing, even though one of their colleagues at Chase branch verified my external bank account record and witnessed the sufficient funds when the transfer was made. 
Bottom line here, Chase made my money disappear with an unacceptable excuse. They should be responsible for what they have done and all the loss and consequences because of their sneaky behavior. 
I hope this not a sign for Chase to become another XXXX and I want my money back ASAP! 
Any of your advice and help will be greatly appreciated. 

Sincerely, XXXX XXXX XXXX : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hello, my paypal account can not be linked to the bank and withdraw cash. I have contacted the PayPal customer service representative many times, but the problem has not been resolved. Please help me, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
CAPITAL ONE. 

XX/XX/XXXX. BALANCE TRANSFER of {$12000.00} XX/XX/XXXX BALANCE TRANSFER of {$3000.00} to XXXX XXXX XX/XX/XXXX ELECTRONIC PHONE CREDIT of {$15000.00} Returned on XX/XX/XXXX. 
None of these transactions were done or authorized by me. I reached out to the Bank on XX/XX/XXXX ; XXXX ; XX/XX/XXXX ; XX/XX/XXXX. I was told that I need to submit a bank statement for XX/XX/XXXX phone payt. This is impossible since I have no connection to that payt or to the Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2023-03-14
Company: Chime Financial Inc
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2023 approximately {$2100.00} was withdrawn from my Chime Bank savings and checking accounts without my authorization. XX/XX/2023 approximately {$2300.00} was withdrawn from my Chime Bank savings and checking accounts without my authorization. I filed disputes with Chime. It determined no error was found in either dispute. I appealed both matters and Chime reported the same findings in both disputes. I reappealed and Chime is currently investigating. I filed a report with the XXXX SC Sheriff 's Department on XX/XX/2023. It filed a finding XX/XX/2023 and issued a search warrant to Chime Bank. The case was turned over to the white collar crime division.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Synter Resource Group, LLC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
To whom it may concern, Thank you for taking your time to read this. Our information was given to a third party company " SYNTER RESOURCE '' from " XXXX ''. The company ( XXXX supply ) uses third party delivering services ( XXXX ). We had an agreement with MRO supply for supply services ; therefore, the company initially contacted for services was XXXX supply. Our information was then given to XXXX, while not being in direct contact with them they have decided to charge us with nothing but an invoice. They do not have purchase orders ; however, we have a purchase order with XXXX XXXX and it states free shipping. Which is what the debt is in regards to. If someone could please assist, because we are getting calls from a debt collection agency. " SYNTER RESOURCE '' has not responded to the dispute letter we sent, and they have received the letter. We get an automated call with details of how much the alleged debt is everyday, and the calls do not let us speak to a live person. The company " SYNTER RESOURCE '' is also unresponsive to our phone calls or emails. Any assistance would be greatly appreciated. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Mobiloans, LLC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a loan of XXXX $ from Mobilaons XX/XX/2022, i paid payments for 6 months and brought my amount down to XXXX $ and i thought i was done. The company is still charging me from my bank account and there is not a way to cancel. theyre suddenly charging me 400 % interest which is illegal in the United States XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-04-11
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: Investigation took more than 30 days

Complaint:
Re : IRS 1099-C Form Received for XXXX Account in Dispute I contacted the three major bureaus, XXXX, Experian, and XXXX, and they did not respond for more than 45 days, despite three attempts to contact them via mail. 

XXXX sent me the last letter on XX/XX/XXXX, and I haven't heard from XXXX or XXXX since. 

XXXX XXXX ( XXXX ) agreed to let me settle my account for {$5000.00}. I received a 1099-C for Debt Cancellation for the remaining {$10000.00} balance, which will be reported as additional income on my XXXX  federal income tax return. 

This XXXX account is currently listed as " XXXX '' on Experian but " Derogatory '' on XXXX and XXXX. 

When I sent my dispute letters to these three major bureaus, I attached the settlement documents I had with XXXX, and it appears that they just trashed it. 

I am aware that federal law requires these three major bureaus to respond within thirty ( 30 ) days, but they have not. 
I understand that the Federal Trade Commission investigates credit reporting agencies that fail to comply with these federal regulations ( see 15 USC 41, et seq. ). 

I am maintaining a careful record of my communications with them in order to file a complaint with you. 

I tried to remind them that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal.Nov 14,1995 ), they could be held accountable for willful non - compliance. 

Please keep the following dates in mind when I sent them my dispute letters : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your assistance will be greatly appreciated, as their negligence and noncompliance have a negative impact on my profile.

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 2023-03-14
Company: Collins & Hilton Asset Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Please be advised that the following collection company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, FL XXXX XXXX Reported on my credit bureau the delinquency of an account that already is in the XXXX XXXX XXXX, FL court system. Please find Case # and Docket information below. Not to mention they made numerous attempts to collect on this debt by using scare tactics stating that I needed to contact the law firm handling this matter immediately. They called my cell phone 4xs in a row from phone # XXXX. 

I strongly believe that this is harassment since the law firm which is handling this matter has still not responded to my Motion to Compel Arbitration with the Court. I would be interested in knowing if they are using these tactics as common practice. 

The Law Firm Associated with this matter is the : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attorneys at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX Toll Free : XXXX CASE NUMBER : XXXX CASE STYLE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CIVIL COVER SHEET Submit Submit 3 XX/XX/XXXX DIFFERENTIATED CASE MANAGEMENT PLAN STANDING ORDER F/B PLT Submit Submit XXXX XX/XX/XXXX SUMMONS ISSUED XXXX ; XXXX ; XXXX AS TO XXXX XXXX XXXX FILED Submit XXXX XXXX XX/XX/XXXX COMPLAINT F/B PLT Submit Submit XXXX XX/XX/XXXX NOTICE OF EMAIL DESIGNATION XXXX XX/XX/XXXX DIVISION ASSIGNMENT AD : Circuit Civil Central - AD ( Civil ) Submit Submit XXXX XX/XX/XXXX XXXX {$410.00} ON RECEIPT XXXX {$410.00} XXXX Fully Paid Submit Submit XXXX XX/XX/XXXX SERVICE RETURNED ( NUMBERED ) VERIFIED RETURN OF SERVICE SUBSTITUTE XXXX XXXX - XX/XX/XXXX Submit Submit XXXX XX/XX/XXXX RESPONSE TO : ALLEGATIONS F/B DFT XXXX XXXX, PRO XXXX ALLEGATIONS F/B DFT XXXX XXXX, PRO XXXX Submit Submit XXXX XX/XX/XXXX NOTICE OF HEARING NOTICE OF VIRTUAL HEARING XX/XX/XXXX XXXX XXXX Submit Submit XXXX XX/XX/XXXX AFFIDAVIT AS TO COSTS AFFIDAVIT OF COSTS XXXX XXXX XXXX Submit Submit XXXX XX/XX/XXXX MOTION FOR SUMMARY JUDGMENT PLAINTIFF 'S MOTION FOR SUMMARY JUDGMENT AS TO XXXX XXXX Submit Submit XXXX XX/XX/XXXX XXXX WITH NON-JURY TRIAL ORDER XXXX XXXX XXXX XX/XX/XXXX Submit Submit XXXX XX/XX/XXXX MOTION TO COMPEL ARBITRATION AND STAY PROCEEDINGS ( F/B DFT ) Your help in this matter would be greatly appreciated. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: SANTANDER HOLDINGS USA, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with The Fair Credit Reporting at, this creditor has violated my rights. 15 USC 1681 section 602 States I have the right to privacy. 15 USC 1681 section 604 a ( 2 ) States consumer reporting agency can not furnish an account without my written instructions. 15 USC 166 b state a creditor may not treat a payment on a credit card account under an open-end consumer Credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: AFNI 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 : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Bank has closed my account 4 months ago, yet I haven't received my check for {$10000.00}. They shipped out the check, however it was lost and I never got it. I called for 2 months every 3 days and they kept saying they will issue out a new check yet they haven't. Every time I call it's the same story, we sent a notice to the back department. I'm sick of it and will be filing a lawsuit if it's not given to me by XX/XX/23. Bank withheld funds past 120 days! 

UPDATE : I've called for the XXXX time and they say that someone has cashed in the check that sent me, although for the past 3 months I've been informing them to cancel the lost check and reissue another. I have NEVER received my money from this HORRIBLE BANK and they are RESPONBILE for losing my check, not canceling and reissuing when I told the XXXX times. They are liable for the money they OWE me!

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