BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-03
Company: Paypal Holdings, Inc
State: TX
Product: Credit card
Issue: Other

Complaint:
On XXXX XXXX, 2016 XXXX submited a credit inquiry on my behalf unauthorized. I found out about the pull on my credit as I am in the process of purchasing a home and going through the mortgage process. I did not know what " XXXX '' was, but 5 minutes of diligence turned up a result that it was PayPal Credit and that the CFPB had taken action against PayPal Credit for similar practices within the last year. They do not seem to have ceased making unauthorized credit inquiries and I am concerned about the impact it will have on my mortgage application process. I do not currently know the damage but it could be significant if the rates on my mortgage increase based on the decreased credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Collector sent me a notice that stated I owed XXXX for XXXX. 
I do not owe anything to XXXX and have not used XXXX for over 10 years. I 'm an accountant and I pay all my bills on time. I do NOT owe anything to XXXX. 

The company 's name is IC System phone XXXX Address : XXXX XXXX XXXX XXXX XXXX MN XXXX Also, this company called me first, and asked for my address. They did not disclose who they were and that they were trying to collect a debt. Also, I have been getting phone calls from all over the United States. They call and then hang up.

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 2021-05-19
Company: EQUIFAX, 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 disputed an account reported by your company in the file you maintain under my social security number. I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FRCA section ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing 5 business days. I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney General 's Office and the XXXX. Please govern yourself accordingly

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: Conn's, Inc.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
they will call constant from XXXX everyday about XXXX or XXXX times .from different phone numbers. when you try to answer it hangs up. 
they have learned to go around the block and leave XXXX to XXXX messages on voice mail. even when you speak with someone they will call back. this has been on going. they will call even with the 7 day grace periord. conn 's has over done it so many times. 
the call from XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-20
Company: Tower Loan of Mississippi, Inc.
State: LA
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 never gave this company permission to request my credit.

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 2021-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
No providing dispute investigation results to items in dispute. 
I sent in multiple disputes about accounts and inquires that are not mines. Bankruptcy reporting. I never completed bankruptcy payment to get started. False information in 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 explanation
Consumer complaint received 2018-05-29
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
While checking credit report I noticed collection activity from National Credit Adjusters. I have been a victim of identity theft and fraud in the past. Individuals have used my information to apply for payday loans, utilities, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I have already attempted to contact XXXX XXXX, TransUnion, and XXXX about this account. 

1. Date opened is inaccurate. 

2. TransUnion did not disclose their methods on how they investigated this item on my credit report. Info is inaccurate. 

XXXX XXXX did not disclose their methods on how they investigated this item on my credit report. Info is inaccurate. 

4. XXXX XXXX is " Re-Aging '' this account on my credit report every month. Im attaching a copy of my last 3 credit reports to show the FCRA violation that TransUnion and XXXX  is allowing XXXX XXXX to commit.

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 2023-02-01
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I staked XXXX XXXX with Coinbase in XX/XX/XXXX. Was supposed to receive on average of 4 % daily return. Had a balance of almost XXXX $ last checked in mid XXXX. Now shows under {$50.00} with no explanation and no support to clarify. Also, can not get money back from staking as its locked up under their control as per agreement but they have broken agreement by not providing interest or accurate book keeping.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: R.M. Galicia, 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: Account status incorrect

Complaint:
Progressive Management Systems is reporting a debt on my credit file that I do not owe. I recently took a look at my credit file and noticed this debt reporting. I have consulted with the attorney general of California and know that this debt is past the statute of limitations. Progressive Management may no longer come after or sue me for the debt. Per the FDCPA if you can not validate this debt to me, you can not report. Reporting invalidated debt on credit can constitute fraud under both federal and state laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent letters to the bureaus regarding inaccuracies and unverified accounts on my credit report. It's past 30 days later and I have not received a response. Section 611 ( a ), states that a failure to investigate and no response within 30 days gives reason for these inaccuracies to be removed and deleted immediately off my credit report. I mailed a follow-up too.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: JPMORGAN CHASE & CO.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
First and foremost i am extremely upset on the decision Chase has given me. My card was stolen from my possession and during this whole month period chase did n't alert me when my card was being used in another state. Approximately 6 to 7 hours. The total that they have used is about XXXX dollars. I contacted the merchants and spoke with multiple managers in which they say that the signature is in a females name on most of the transactions. Lastly, chase does n't want to refund me because of inconsistent information. While most of these transactions happened during my instructing religious class, which was 7 hours away from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: CAVALRY INVESTMENTS, LLC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The disputed account has been given ample time to validate their position of maintaining a collection account on my personal credit profiles. It is now time that I request a division of the Federal Trade Commission known as the Consumer Financial Protection Bureau to demand accountability. I have never paid on any account to this organization. This company obtained my personal information from a debt pooling service. There was never a legal assignment or transfer of ownership. FTC v. XXXX XXXX XXXX ( 2009 ) stipulates XXXX criteria f a legal collection process : 1 ) The debt must be within the resident jurisdiction of legal collectability 2 ) the ownership transfer must be in hard copy documentation, backed up upon request and 3 ) the individual must be given ample notice or 30-days that the legal collection could be posted on a person 's credit report is not rectified within said 30-day notification. In this matter, the collection company failed on all three criteria. The CFPB needs to monitor and sanction Cavalry Portfolio Services, and a " Cease & Desist '' must once again be administered against this company for such illegal collection practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-30
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Advertising and marketing

Complaint:
In a Chase bank office in XXXX, Illinois I encountered Bait and Switch advice from a bank representative in a small office. She talked me into dropping my XXXX card valid through XXXX, 2016 which gave me unlimited use of the XXXX XXXX XXXX XXXX ( XXXX # XXXX ) for {$100.00} per year. My membership card is in my possession. Very soon after that meeting the fee went up to {$500.00} per year. She strongly urged me to switch to a Chase Sapphire card which was free, but no longer associated with XXXX XXXX. This was clearly a Bait and Switch tactic. Now I have a validly dated card but can not use it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I submitted three ( 3 ) requests to Equifax, asking them to investigate an account by providing me proof of ownership such as the original contract.

This request was made as part of my personal financial review and, because there are more than one XXXX Account on my credit file. The account number is ending in # XXXX. 

The first request was made on XX/XX/2021. There was also a request made on XX/XX/XXXX followed up by a third request. 

Equifax has not properly investigated this. They have ignored my rights to have information verified. ( FCRA 609, 611 )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Re : Loan # XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 
For over 3 years Wells Fargo and its employees have denied our request for Loan Modification for a Bait and Switch Loan Modification provided to us on or about XXXX 2009 by underwrite XXXX XXXX. 
See attached word Doc Complaint:

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent a letter to Transunion through a certified mail on XX/XX/2021 to remove a name that is inaccurate. 

Also I received a report from Transunion and found inaccurate employers on my report which I have not heard from them. 

The employers names are as followed : XXXX XXXX XXXX The name I can not share here as it is personal information from me, but the sent a report back highlighted.

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: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
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:
These account have been sold. I am no longer liable for the alleged. An itemized bill does not imply that the debt is valid anyone can send a bill a claim ownership.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-24
Company: Viking Client Services
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XX/XX/XXXX I rented a car from XXXX XXXX at XXXX XXXX. I returned the car in good condition and received a receipt. Several weeks later I received a letter from XXXX claiming that the car had been damaged while in my possession, without providing any details or supporting evidence. I sent a response letter to the remittance address listed on the letter disputing the claim and requesting evidence of damage and repair costs. I received no response or supporting documentation from XXXX in response to my written dispute and request, until I received another bill from Viking Client Services, a collection agency. I am responding to this letter with another written dispute and request for documentation. I am alerting your agency to this because I have found numerous complaints from other consumers online that suggest that this is a consistent pattern of consumer fraud by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid on XXXX/XXXX/15 which settled this account. I was informed that this would not show on my credit any further. Upon obtaining a new job my credit was ran and this still showed on my report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-20
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened an account with Bank of the West under the promotion of receiving {$250.00} after setting direct deposit from employer for {$500.00}. When I opened the account, I confirmed with the bank if I would receive the promotion and got an affirmative answer. After completing the terms of the promotion offer, when I called the bank to inquire about it, I was told that the promotion code which I used was already used by someone else and so they can not honor the promotion terms.

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 2015-03-30
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I added Barclay 's Bank as an external account to my XXXX Checking Account. I set-up a transfer on XXXX to be delivered on XXXX of {$1000.00} from XXXX to Barclays. On XXXX I called XXXX because I realized Barclays would reject the transfer. The person I spoke to attempted to REVERSE the transfer and somehow deleted Barclays as a transfer option on my XXXX account. On XXXX it appears the {$1000.00} transfer was rejected and returned to XXXX AS EXPECTED. However on XXXX a transfer was made of {$1000.00} - it appears XXXX was trying to pull {$1000.00} from my Barclays account. This {$1000.00} is missing. I have been working with Barclays and XXXX since XXXX and both keep pointing fingers at the other and claiming it is not THEIR problem. I went into a XXXX branch, hoping to get some help, but basically the person I spoke with called the XXXX # and after wasting a lot of time, received the same response I received from XXXX 's XXXX # - which is we do n't know what you are talking about we do n't see the transaction. I 've asked Barclays for reference numbers but they keep giving me XXXX ach tracking number - which coincides with the ACH transaction number XXXX has used to account for the REJECTION of the funds but Barclays claims that is the only tracking number they have. The ACH number Barclays refers to is supposed to be for the TRANSFER but XXXX calls it a return and Barclays says they have no record for the RETURN/REJECTION of funds - just this transfer ACH - which again XXXX calls the rejection number. However my account at Barclays is missing {$1000.00} and in almost a months time neither bank seems to care or take any responsibility for this error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus on XX/XX/22, but no answer was received. The account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate the account, I will take legal action against them. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX Balance : {$3900.00}

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 2015-09-12
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
When I applied for a Wal-Mart credit card they told me that if I spend {$75.00} " today '' I will get {$25.00} dollars of my purchase. I spent {$88.00} and they did n't subtract the {$25.00}. They told me that I was supposed to spend it all at once for them to subtract the {$25.00}, yet they did not tell me this when I applied for the credit card. I am very upset and very dissatisfied with the service that I received. I feel that they fooled me into applying for a credit card. I need them to refund me the {$25.00} right away or I will be taking legal action.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX ) to collect a debt of {$3200.00} on a XXXX card I never applied for, let alone used. I called XXXX card ( XXXX XXXX XXXX/ ) at XXXX to let them know of the incidence. Upon checking my Experian credit report, I noticed a XXXX card was opened on XX/XX/XXXX, without my knowledge. The account was written off with a balance of {$3200.00}, the same amount listed in the XXXX letter. The account was opened using the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, which I do not recognize. I XXXX  the address and found out that it belonged to a XXXX XXXX XXXX https : XXXX ). The credit card is clearly fraudulent. 

I've filed a police report, and XXXX has confirmed this is a case of fraud and closed my account. I am reporting this to the CFPB in order to place an extended credit alert to the credit bureaus. I'm also reporting the incident for documentation in case there other victims.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-20
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: Information belongs to someone else

Complaint:
I have filed a fraud alert on all 3 of my credit reports and am trying to get fradulant inquiries off my record and customer service would not help and take care of the negative inquiries reporting to my credit report.

Company response to consumer: Closed with explanation