BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-24
Company: Experian Information Solutions 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:
FCRA violations : inquires not mine XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX type XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX type Apartment XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$8500.00} Status Account charged off XXXX {$8500.00} written off. {$4500.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5000.00} Status Account charged off. {$5000.00} written off. {$5000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$10000.00} Status Account charged off. {$10000.00} written off. {$10000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$12000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5800.00} Status Account charged off. {$5800.00} written off. {$5800.00} past due as of XX/XX/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 2017-09-25
Company: TD BANK US HOLDING COMPANY
State: IL
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:
CFPB, I lost my job back last year and my unemployment ended so I had no income at all and fell behind on all bills and Nordstrom credit just kept piling on fees, so no way I can pay it. I am twice XXXX and insolvent. I sent a cease and desist letter to Nordstrom through IL Attorney Generals office months ago and now they sold the debt to a crooked collection agency ( XXXX XXXX/XXXX XXXX ext.XXXX ref:XXXX ) who is harassing me by phone and mail!!! They are intentionally breaking the FDCPA!!! Please enforce the laws!!!! 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-30
Company: TD BANK US HOLDING COMPANY
State: MI
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:
XXXX  has been non-compliant with removing the unverified account TD BANK USA/XXXX  XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that TD BANK USA/XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have an XXXX XXXX Citibank credit card. While on the internet, paying my CC, I received an ad for a Citibank XXXX XXXX account. Since, I have the CC I decided to open a savings account with them. On XX/XX/XXXX, I applied online, and opened a savings account with Citibank, and transferred {$3500.00} into the account. Everything seemed ok with the account so far. On XX/XX/XXXX, I deposited another {$2000.00}. I checked my account on-line on XX/XX/XXXX and everything was still OK. I was planning on making another deposit on XX/XX/XXXX, when I noticed that they had blocked my account. When I called the number on the back of my Citibank card they informed me that my account was under suspicion to be a fraudulent account. They wanted me to send proof of funding, my drivers license, and a utility bill with my name and address to XXXX, which I did. I have been on the phone with them more than 9 times since my account has been blocked. I have been asking to speak to a supervisor or manager to clear this up. They take my phone number and inform me that a supervisor is not available at this time and they will put in a request for a call back. I wait, and wait, NO CALL BACK. I call again and get the same run around. Now, I visit the Citibank website, I log in, pull up a current statement and see that my account balance is {$1.00}. On XX/XX/XXXX it shows a OTHER DEBIT amount of {$5500.00} subtracted from my account. I keep trying to have my account unblocked, but to no avail! I do not know what else to do? They are getting away with stealing thousands of dollars from who knows how many people. PLEASE HELP!!! I have contacted my banking establishment and they have closed the claim stating that the funds where transferred and excepted. There is nothing they can do about it.

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 2023-02-22
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing this letter to dispute some of the negative items that are being reported on my credit report by your company. I have recently obtained a copy of my credit report and noticed that there are some inaccuracies and discrepancies that need to be addressed. 

Firstly, I would like to address the charge-off account reported by XXXX, account number XXXX. I have never had an account with XXXX and I believe this account has been mistakenly added to my credit report. I request that you investigate and remove this account from my credit report immediately. 

Secondly, I would like to dispute the charge-off accounts reported by XXXX XXXX XXXX XXXX account numbers XXXX and XXXX. I have never had an account with XXXX XXXX XXXX and I believe these accounts have been mistakenly added to my credit report. I request that you investigate and remove these accounts from my credit report immediately. 

Thirdly, I would like to dispute the charge-off account reported by XXXX, account number XXXX. I have never had an account with XXXX and I believe this account has been mistakenly added to my credit report. I request that you investigate and remove this account from my credit report immediately. 

Fourthly, I would like to dispute the collection account reported by The XXXX XXXX XXXX, account number XXXX. I have never had any dealings with The XXXX XXXX XXXX and I believe this account has been mistakenly added to my credit report. I request that you investigate and remove this account from my credit report immediately. 

Lastly, I would like to dispute the charge-off account reported by XXXX, account number XXXX. While I did have an account with XXXX in the past, I believe that this account was settled and paid off in full. I request that you investigate and update the status of this account accordingly. 

I request that you investigate these disputes and make the necessary corrections to my credit report as soon as possible. Please send me a written confirmation of the outcome of your investigation and the actions you have taken. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: Bread Financial Holdings, Inc.
State: MI
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:
XXXX has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that XXXX XXXX was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: Bread Financial Holdings, Inc.
State: MI
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:
XXXX has been non-compliant with removing the unverified account XXXX/XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that XXXX/XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-03
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: Their investigation did not fix an error on your report

Complaint:
Dear I have been a XXXX XXXX customer since 2021 and during that time, I have enjoyed my experience with COMPANY NAME greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have one late payments on the above referenced account that date back to 2021. Since that time I have been an exceptional customer paying every month on time. 

Because of my exceptional payment history over the last 2 years, I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was in the process of was robbed. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that your is willing to work with me on erasing this mark from my credit reports. 

I have been a very happy customer in the past and hope to continue a long relationship with XXXX XXXX With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. XXXX XXXX has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why XXXX XXXX is heads above the rest. I look forward to your reply. 


Sincerely,

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 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit reporting act XXXX XXXX XXXX  Account Number XXXXXXXX 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 Account XXXX XXXX, all have violated my rights. 

15 U.S.C 1681 section 602 A : States I have the right to privacy.

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

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 2018-11-30
Company: JPMORGAN CHASE & CO.
State: MI
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:
XXXX  has been non-compliant with removing the unverified account CHASE CARD XXXX which has been deleted by XXXX   and XXXX. XXXX and XXXX have both completed their research and determined that CHASE CARD XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-03
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Being the day XX/XX/27 I decide to add my husband to my checking account in Chase, everything in the process of adding it was fine at no time they told us that with the documents that my husband had the process could not be carried out ; Two days after the process was completed, we realized that my account is blocked and I can not carry out any transaction. We call the branch and they tell us that they had missed one because they uploaded a document from my husband to the system, when we are sure that they had scanned all the documents, they asked us to go to the branch to be able to take a copy of my husband 's document and that in 2 business days access to my funds would be restored ; days passed and nothing solved the problem, Seeing that time continued to pass, we went to the branch again and at that moment you told us that my husband 's proof of identification could not be accepted and that was why they kept my account restricted if we did not have any other type of documentation to present and we answered that we had already given him everything we had, we asked if we could withdraw it from my account and they told us no because the account was already restricted ; I told them to please close the account and send me my funds, which did not happen. I have been in this process for a month and 4 days and they have not solved my problem despite having spoken with several Chase representatives on the phone and asking them to close the account. account, they have told me twice that if I should wait 10 business days, which is how long it takes for them to process the check with my funds and send it to me and nothing continues without taking action, I already feel that it is disrespectful so much delay to return a money that belongs to us and that with so much work we have saved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
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:
XXXX has been non-compliant with removing the unverified account FIFTH THIRD BANK which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that FIFTH THIRD BANK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: MI
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:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Paypal deducted money from our business account without our knowledge on XXXX XXXX, 2022. Paypal basically stole our money under the note " Payment to : Paypal ; PayPal 's damages caused by XXXX XXXX XXXX violation. '' They randomly debited my Paypal account balance which does not represent any pre-estimate of any losses or damages, if any. In Paypal 's user agreement, they clearly state " Violation of this Acceptable Use Policy constitutes a violation of the PayPal User Agreement and may subject you to damages, including liquidated damages of {$2500.00} U.S. dollars per violation, which may be debited directly from your PayPal account ( s ) as outlined in the User Agreement ( see Restricted Activities and Holds section of the PayPal User Agreement ). '' This means {$2500.00} per violation and NOT {$2500.00} per transaction. In conclusion, PayPal deducts arbitrary sums from a balance that is empty and does not represent a real assessment of loss or damage. Liquidated damages can not be calculated in accordance with the common law in a manner that turns them into punitive clauses rather than just recompense. We tried to contact Paypal support but they are not escalating this issue. Our Paypal account balance was {$12000.00} and they wiped out the entire account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: PROVIDENT FUNDING ASSOCIATES
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage loan payment of {$1800.00}. Loan was transferred from XXXX where it had been originated in XXXX. The loan was recently sold ( in XXXX ) to Provident Funding. I had no history of late payments at XXXX and I did not seek out a sale of my loan to Provident. I made my XXXX payment online at the Provident website a little over the XXXX pst cutoff time because I was traveling and didnt have log in information for their website handy. I had previously made my payments to XXXX directly thru XXXX. Because of the XXXX XXXX holiday this pay, ent did not post till the following Tuesday ( payment was made Friday ). I have asked Provident to remove the late payment fee of {$90.00}. I have subsequently made my XXXX payment but have not paid the late fee in hopes of getting this situatuion resolved. 

Provident Funding Loan number is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
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:
Dear I have been a XXXX XXXX customer since 2021 and during that time, I have enjoyed my experience with COMPANY NAME greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have one late payments on the above referenced account that date back to 2021. Since that time I have been an exceptional customer paying every month on time. 

Because of my exceptional payment history over the last 2 years, I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was in the process of was robbed. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that your is willing to work with me on erasing this mark from my credit reports. 

I have been a very happy customer in the past and hope to continue a long relationship with XXXX XXXX With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. XXXX XXXX has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why XXXX XXXX is heads above the rest. I look forward to your reply. 


Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
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: Their investigation did not fix an error on your report

Complaint:
Last year i noticed two student loans on my credit file that claim were opened in XXXX 2002. I was not in school so i could not have opened any loans around that time. I 've disputed these accounts over the past few months in which XXXX and XXXX deleted one of the accounts from my file but not the other, then just about two months ago the same two student loan collections showed up on my Transunion file.

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 2022-10-24
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company has not recognized my right to privacy by reporting this alleged debt to the credit reporting agencies. I have not given consent for this alleged debt to be reported. I believe this is a violation of 15 USC 1692d ( 4 ). This company has also not verified this alleged debt which was requested in XX/XX/2021.

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