BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-09
Company: DISCOVER BANK
State: TX
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:
Discover Financial Services Account Opened XXXX High Balance carried from XXXX Minimum Payments met full balance on card paid off on XXXX automated system reduced credit on XXXX from XXXX to XXXX in accordance with CFPB and FTC law no alert was given to myself ( customer ) in any form when action was taken. 

it is also suspect that no automated credit adjustment was taken within the previous years of XXXX until full balance was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX XXXX Late Date XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Failed missed payments due to being affected by XXXX lockdown and also, a current XXXX XXXX who's struggling to take care of himself personally. I'm also a XXXX  who has to apply for XXXX which is financial aid to help the XXXX afford college. Being that I'm a XXXX XXXX  I don't receive XXXX  grants to assist me with any type of payment. According to my payment history I'm on time with my payments, but despite not being able to make payments due to uncontrol circumstances I failed to make a few payments. 

Discover Bank - late payment on XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 60 days late ) XXXX XXXX XXXX XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 60 days late )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-12-09
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
CEASE AND DESIST I, XXXX XXXX, Natural person and consumer, am notifying LexisNexis that you are violating 15 usc 1681 and my rights as a federally protected consumer. 
XXXX XXXX and XXXX is reporting a Bankruptcy on a consumer report bearing my name and alleges you, LexisNexis, have validated the Debt and Verified the accuracy of the data. XXXX, and XXXX have refused to cease reporting this inaccurate information more than XXXX times and claim that you validated the information, my information has been frozen with you and I have a confirmation letter from you dated for XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX and case number XXXX. This means that my information has already been provided to you as far as my identification to validate me and my account and you shouldn't be sharing any information with no XXXX. 
Lexis nexis is the Furnisher. 
Per FCRA Section 623 ( a ) ( 1 ) ( A ) When you provide information to the CRA, You have Obligations under the FCRA to ensure the accuracy of the information you Furnish. As a rule, its illegal to report information that you know to report information that you know or believe its inaccurate. 

Per FCRA section 623 ( a ) ( 1 ) ( C ) You can not, under any circumstances, report information the consumer has told you is inaccurate if it is, In fact, Inaccurate.

Per FCRA 623 ( a ) ( 2 ) ( B ) If you furnish information to a CRA on a regular basis and determine that any information you provided is inaccurate or incomplete, You must promptly notify the CRA and provide corrections or additions.Going forward, you must furnish only the correct information to the CRA. 

As evidenced by your removal of this account from LexisNexis reporting ( after I disputed and made multiple phone calls ), you still have notified the CRAs, Specifically XXXX XXXX AND XXXX that they are illegally reporting. This is a direct, willful violation of 15 USC 1681. 

This is not a dispute. This is a Demand for LEXISNEXIS to comply with federal law and cease infringement on my right to privacy and fair consumer reporting. 
I've been dealing with this harassment for over a year as a result of your illegal actions and it has cost me countless opportunities, my credit, my reputation and put undue hardship and stress on me and my family, you LEXISNEXIS, are civilly liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Experian Information Solutions Inc.
State: NJ
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:
There are multiple items on my credit report thats inaccurate I would like to be remove since 2007 until now

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I recently tried to take out a loan with people I thought were legit. Turns out they were fraud and reversed three big payments I had made on my debit card. I immediately went to my bank chase and had them close my account and reopen a new one with a new email address. I received my new debit card in the mail last week and as soon as I activated it the same charges were made on my account that I did not authorized. I have been transferred several times no one seems to want to help me Ive been given attitude and as I am filing this complaint I have been on hold with chase for almost two hours and no one seems to want to help me! Its been a week since this new charges have been made and I am yet to be helped correctly and professionally. I had a guy named XXXX who seemed as if he did not care to help me so I asked to be transferred to someone who can better assist me and he transferred me back to the retail department instead of someone else in the claims department! Completely unprofessional at his job! And I am still on hold with no one who seems to want to help me and do their job!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Please refer to Complaint Number XXXX, which I incorporate into this complaint by reference. I repeat and reallege all allegations of that complaint as though fully set forth herein. 

I MAKE THIS COMPLAINT AGAINST BOTH PAYPAL AND VENMO. VENMO IS IN SOME FORM OF SUBSIDIARY RELATIONSHIP TO PAYPAL. 

Venmo/PayPal XXXX through its own fiduciary failure has frozen {$2000.00} that was deposited into my brand new and only Venmo account. Venmo support sent me an email saying essentially because of their own workload considerations, that they will take 7 days to two weeks to free up these funds which they had no right to have locked in the first place. 

This is a gross fiduciary violation. Venmo / PayPal should be enjoined by the federal government from operating unless and until they correct their abuse of their fiduciaries ( in this case myself and the relative who sent the {$2000.00} ). We used Venmo on the good faith belief that Venmo would not engage in its fraudulent misconduct and fiduciary abuse. 

Announcing that it would take up to two weeks for them to reverse their egregious abuse and theft of these funds constitutes WILLFUL, KNOWING theft of the funds, and WILLFUL, KNOWING fiduciary abuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: IA
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:
The following credit inquiries thats currently listed on my XXXX XXXX, Experian, and XXXX credit report are fraudulent, unauthorized, and not my credit inquiries : XXXX XXXX, XX/XX/XXXX, XXXX XXXX Bank, XXXX. XXXX, XX/XX/XXXX, XXXX XXXX Bank, XXXX. XXXX, XX/XX/XXXX, and XXXX XXXX Bank, 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 2022-06-09
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I received an email notification from PayPal that I had transferred {$200.00} to my son. Shortly thereafter, I checked my PayPal transaction history and it indicated that I had sent two payments of {$200.00} each to my son on XX/XX/2022. I changed my password immediately and notified PayPal that I had not sent the money on either transaction. They looked in my history and saw that I had previously sent money to this son and said nothing was wrong and that they were doing nothing. Yesterday, XX/XX/XXXX, they sent my son an email saying that they were holding one of the {$200.00} transactions because of suspicious activity on my account. They refuse to address the basic problem that someone made two {$200.00} unauthorized transactions removing a total of {$400.00} from my bank account. This is theft and fraud. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
State: IA
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:
The following credit inquiries thats currently listed on my XXXX XXXX, XXXX, and Equifax credit report are fraudulent, unauthorized, and not my credit inquiries : XXXX XXXX, XX/XX/XXXX, XXXX XXXX Bank, XXXX. XXXX, XX/XX/XXXX, XXXX XXXX Bank, XXXX. XXXX, XX/XX/XXXX, and XXXX XXXX Bank, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: M&T BANK CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is from M & T bank. I used to have loan modification offer plan from M & T bank, due to Covid 19 hardship situation. The bank offered me to pay {$46000.00} as a trial period. 3 months. Starting from XX/XX/2022 till XX/XX/2022. Also they offer me to drop my interest rate from 4,75 % to 3 %. 
But, after I finished my trial period, I paid in time, M & T bank called me, and told that they made a mistake and they cancel all deal between us. The bank told me, that I have to pay them around {$30.00} XXXX, otherwise they will take me foreclosure. I have all documents prove my words. I have signed and notarized agreement for this loan modification contract. Please help me. I have never missed any payment to the bank.

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 2022-08-01
Company: U.S. BANCORP
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
For four months I have been trying to transfer an IRA from US Bank to XXXX XXXX. For four months I have been unsuccessful. I have filled out multiple transfer forms, been to the local branch in XXXX many times, spoken with the corporate office multiple times, talked with XXXX XXXX at XXXX XXXX multiple times and I have gotten nowhere. The balance is around XXXX. I have filled out the transfer forms at least three times and XXXX XXXX has overnighted them each time and when I call US Bank a few weeks later they said they have not received anything. Is it possible they are that incompetent or that uncaring. I am not sure but all it would take is a simple phone call to XXXX XXXX to clear this up and they won't do it. I am sure they pick up their phone ten times a day and call their girlfriend but to do this for a customer is a no go. I was in the medical profession for forty years and we made calls all day long to solve problems. This is the worst experience I think I have ever had with any corporate institution. These people at the US Corporate office will not even call their branch offices to help a customer. Simply put they have been total XXXX  to me and after four months I have gotten nowhere. 
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 2022-08-23
Company: FIRST NATIONAL BANK OF OMAHA
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I received my XX/XX/XXXX bill and it was {$560.00}. I went to my XXXX XXXX XXXX XXXX site and paid the bill from that site, as I have always done. It was taken out of my account and appeared to be sent electronically from the way I view it at my bank. Fast forward a few weeks and I get a reminder from XXXX stating that my bill is due. This was unusual as I have never gotten this notice. I went on their site and checked and they had not received the payment, although it was removed and stated paid from my bank as it was removed from my funds. I waited until the day the bill was due thinking it would finally flush out and when it didn't, I contacted XXXX but I also when to their website and paid the bill directly. After calling Monday XXXX and speaking with someone about this I was told that they receive a money order for the payments and have been for a while. I told them we send it electronically and after speak with the credit card agency and my bank, it appears that the account number that was being listed in the memos was an older account of mine that had been closed due to a lost card back XXXX or XXXX. I then very patiently waited another week thinking it's just a miss communication and they'll see it and it will be credited to my account. A week later and still nothing. Now I went to my bank and pulled proof of payment for both payments of {$560.00}, one on XX/XX/XXXX and one on XXXX. I then then faxed this information with a detail of all that has happened just like this letter, to the number that they requested XXXX. I called the next day, XX/XX/XXXX, and had no resolve. I spoke with XXXX XXXX XXXX ) on XX/XX/XXXX and she called the accounting department and verified that they had received the fax ( I sent it 3 times! ) but advised that it would be handled in the order that it was received. She was nice enough to give me her name and number so I could call and follow up. Which I did yesterday and today, and no response and the original payment from XX/XX/XXXX has still not reached my account. My bill is due XXXX. I pay my bills on time and this one in full each month. I refuse to make another payment when they already have {$560.00} that they have yet to post to my account, that they have had for over a month now. Now, my patience has ended. I have no more time or energy for this and honestly, it should have been resolved from their end easily last week. Therefore I am reaching out to someone with power because although I have all this proof to back it up, I still have {$560.00} missing and although we all know that they have it, they are not crediting it to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-23
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I filed a dispute with XXXX on XX/XX/2022 for XXXX XXXX XXXX because the reporting agency did not have my consent to furnish this account on my report. I got the results on this report via their website on XX/XX/2022 the dispute results states that XXXX  reinvestigation of the dispute I recently submitted is now complete. The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. this is several violations because one the term " investigative consumer report '' according to 15 usc 1681a ( e ) means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. so if this information was " certified accurate '' or specific factual information it should not be on my consumer report. Also I called XXXX to find out more about the investigation and I was told that XXXX does NOT have any documents from the " creditor '' verifying this account including my consent to furnish this account on my consumer report. I was also told by XXXX over the phone that this item could not be deleted only disputed again and that they did NOT need my consent. They also claimed they did NOT have to do an investigation under the FCRA. I was also hung up on several times after being yelled at.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items: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 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