BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-06
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I hereby ask Experian to delete account conveyed to you by consumer reporting collection agency XXXX XXXX XXXX for me, with descriptive account since problems has extant within that information, the Agency failed to send the copy of contract with my signature and ID to validate debt within the last 30 days. 
Please remove this collection within one month due to inaccurate information. In addition, please declare that XXXX complied with every aspect of FCRA or other applicable laws. This request is for more than just a summary one-sheet Thanks sincerely for attending to the circumstances.

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 2022-09-24
Company: EQUIFAX, INC.
State: FL
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:
XXXX has denied me access to freeze my account after I believe my identity has been stolen. Numerous accounts on my credit report are false and reporting without my authorization. I have called XXXX multiple times as well as sent validation letters to validate these allege debts. This inaccurate and misleading information on my credit report is preventing me from getting employment and basic needs that require decent credit. This is identity theft and something needs to be done now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: CAINE & WEINER COMPANY, INC.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have tried and tried to figure out how to handle this. XXXX told me that they do not sell any of my information, yet if that was true then how did a debt collection agency get my information? Also I have not received any documentation other than it being on my credit report about this collection. XXXX is an insurance company. I believed that since this is not a contract and it is a month to month payment that it would not go against my credit report and not to be sold off as a debt. This is completely unfair. My family only has my husband as the provider due to lack of child care since the coronavirus. Please help me I understand we are a low income family but I need my credit please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
PayPal allows a money request that includes details right in their recent activity section of a personal or business account on their website that includes a phone number ( for reporting fraudulent activity ) that is direct number to a sophisticated scam.

The scam involves refunding the amount requested but mistakenly adding a XXXX to the amount, which shows up in the account of the person receiving the refund. 

The scammer proceeds to guilt that person into trying to return the over-refunded amount before the operator gets in trouble. Then the operator tries to convince the person receiving the refund to return the over-refunded amount through nefarious means by XXXX  machine or gift cards. I'm told this is an old scam. 

I am complaining that PayPal knows of this scam and yet has not done anything to prevent it. PayPal is supposed to be a trusted banking system. I spent hours over the period of several days trying to address this issue with PayPal. They strung me along and made promises, but didn't even call me as promised, to discuss it.

There is an article on the web that describes this scam, and many comments in various places about it. A banker I spoke with at XXXX XXXX was familiar with this scam. 

There should NOT be a direct phone number to a scammer posted within PayPal 's official website. It would be a simple thing for them to stop a direct phone number to a scammer being posted in their site. They have been aware of this problem for some time and have not attempted to correct it. I believe that makes PayPal a participant in fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I hold a Chase Sapphire Reserve credit card. This card provides travel delay insurance. I had a claim in the amount of {$700.00} for this insurance as a result of a cancelled flight. The claim clearly qualifies for the insurance benefit. I have submitted documentation multiple times to the insurance processor that Chase has elected to use for this card / product. They continuously attempt to find reasons to request ever more information and avoid paying the claim. I have clearly established the validity of the claim numerous times. They do not respond to calls and are clearly engaged in a pattern of avoiding payment. I understand that this is a broader problem with them. This is an ongoing fraudulent practice by Chase and the insurance processor that needs to be addressed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-05
Company: CURO Intermediate Holdings
State: VA
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 Rights have been violated according to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 Section 602 : States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: CITIBANK, N.A.
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
Back in XX/XX/XXXX, My sister stole my XXXX federal income tax check in the amount of {$4700.00} and she then got a bank account in my name thru Citibank. I was made aware of the account and I immediately called Citibank to report the fraudulent account and to let them know that my check had been stolen and that I did not open the account. I was told by the customer service rep to call the Federal Trade Commission which I did and I also filed a police report with the XXXX XXXX Police Department And i also reported identity theft to all 3 credit bureaus. I was told by the XXXX from Citibank that someone would call me in 3 business days. I never heard anything back from Citibank until a letter came in the mail dated XXXX XXXX that Citibank fraud department had honored my identity theft claim and after there investigation they found that I had no knowledge of the account. Since then Ive called over 100 times only to be told someone will call me back which nobody ever does. I recently drove from my home in XXXX to XXXXXXXX XXXX in hopes of talking to someone in person that could possibly help me with getting my check back and sadly I talked with 2 different people that like all the others I spoke with could not help me. I recently filed a complaint to the Federal Reserve who emailed me back saying they reviewed my case and sent it to the financial consumer department.

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 2022-09-24
Company: General Motors Financial Company, 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: Credit inquiries on your report that you don't recognize

Complaint:
I XXXX XXXX is writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX, XXXX and XXXX credit report. My latest credit report shows that on XXXX XXXX a credit inquiry that I did not authorize is listed. I only authorize XXXX XXXX to run my credit for GMXXXX Financial and they also ran my credit for multiple lending companies. I would like for that inquiry to be remove from my credit report. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: Linebarger Goggan Blair & Sampson LLP
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
In XXXX of XXXX I paid my deceased mothers property tax I got behind the year XXXX XXXX and XXXX I went to the county to make payment arrangements and they sent me to the collecting attorney linebarger I paid XXXX towards XXXX in 10 months time then they sent me a bill for XXXX something more I called the appraisel office and asked where did the money go They hung up on me and call the collecting attorney The collecting attorney calls and says they are going to file in me I thought ok the judge will look at my receipts and help me I find out about court myself was never served never told anything about it I went to court on XX/XX/XXXX and had my receipts and my oncologist filled out a XXXX XXXX exemption form The judgment was already made up BEFORE I even got to court I asked the judge why I was never in formed of the hearing and he help up a paper on a small screen and asked if that was my signature I replied it looked like my signature but I did not sign anything ( it was a waiver ) I noticed when I got home my name was spelled wrong Anyways the judge put a judgment on my house he didn't even look at my paper work The attorney charged me 5 times for the year XXXX and nothing got applied to taxes I am worried that the attorney did not post the XXXX I paid again so they can do a writ of possetion They were also aware that I had the Texas XXXX XXXX XXXX helping me They were just waiting till I got the amount figured out which did not happen The th as paid the whole XXXX Please help me if you can I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
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:
FCRA Violation : hard enquires not mine 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: SANTANDER HOLDINGS USA, 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: Credit inquiries on your report that you don't recognize

Complaint:
I XXXX XXXX is writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX, XXXX and XXXX credit report. My latest credit report shows that on XXXX XXXX a credit inquiry that I did not authorize is listed. I only authorize XXXX XXXX to run my credit for XXXX XXXX and they also ran my credit for multiple lending companies. I would like for that inquiry to be remove from my credit report. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
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: Credit inquiries on your report that you don't recognize

Complaint:
I XXXX XXXX is writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX, XXXX and TransUnion credit report. My latest credit report shows that on XXXX XXXX a credit inquiry that I did not authorize is listed. I only authorize XXXX XXXX to run my credit for XXXX XXXX and they also ran my credit for multiple lending companies. I would like for that inquiry to be remove from my credit report. 


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 2022-07-04
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Got a letter from American Express dated XX/XX/2022, reference number : XXXX Stated they need more information for a XXXX Card that I did not apply for. I called American Express to discuss the fraudulent application and they stated the fraud department was currently closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-29
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:
My name is XXXX XXXX, I just checked my report and Ive discovered that the items I requested for you to investigate and delete are still on my report, what's going on? you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still there like you're completely disregarding it, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The following are hard inquiries on my credit reports. I don't recognize or recall authorizing these inquiries. 

XXXX : - XXXXXXXX XXXX  XXXX XX/XX/XXXX - XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion : - XXXX XXXXXXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXXXXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i didnt authorize or sign a power of attorney or consent in anyway or form for anyone to open up a XXXX credit card in my name for XXXX $ which is fraudulent i never had the knowledge or access to this account no signed contract with my signature with the date of opening the account and i tried to reach out and get help they just tryna make me pay for something that does not belong to me and i refuse to pay for this fraudulent account i want it removed off my account immediately asap thank you

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 2023-08-14
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:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX XXXX and 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 2021-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I had transactions pending on my account. The transactions were XXXX XXXX for {$20.00}, XXXX XXXX XXXX for {$170.00}, XXXX for XXXX and XXXX for {$40.00}. After those payments showed pending to come out of my I transferred {$430.00} to another account which left me with a balance of {$11.00} for the remainder of the day. At XXXX CST on XX/XX/XXXX I made a purchase of {$5.00} from XXXX XXXX of which went through successfully which brought my account balance down to roughly {$6.00} and nothing else pending on my account. This morning I checked my account and my account is now negative from an electronic check they processed for {$110.00} that didn't show at all on my transactions history the entire day of XX/XX/XXXX along with 3 NSF charges to go with it. Bank of America said they processed it on XX/XX/XXXX which is not accurate. Had that transactions was processed on the XXXX I wouldn't be able to transfer {$430.00} to my other account. It would have be {$310.00} left in my account to transfer. I attempted to reached out to them to reverse the charges and they only willing to give me back one charge. Unacceptable.

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 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I'm in the process of buying a home and upon checking my credit report, there are damages on my credit. According to 15 U.S.C. 1681 law there should not be any damages on my report. This is a defamation to my character. I have tried multiple time reaching out the credit bureaus and the damages were not fixed. I also reached out to the creditors and NEVER received a response and I NEVER gave written consent to report anything on my consumer report which violates my rights!!!!!!

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 2022-12-05
Company: Experian Information Solutions 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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-06-08
Company: EQUIFAX, INC.
State: CA
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:
someone has illegally obtained my personal information and has been attempting to gain credit with my information, as a result of this I have several unauthorized inquiries on all 3 credit reports that are reporting to my file and putting me in a financial hardship

Company response to consumer: Closed with non-monetary relief