BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-29
Company: Fidelity National Information Services, Inc. (FNIS)
State: OK
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:
'Description of my problem with the business in request for the removal of ( Inquiries Viewed by Others ' ) on my ChexSystems Consumer Report. 
'Statement that the business made inquiry on XX/XX/2020 that impacts my Consumer Report that ' may be included in reports to other " Banks.

'Statement that the inquiry remains in my ChexSystems File for up to ( 3 ) years or until " the XXXX XXXX XXXX  and the XXXX XXXX XXXX only!!! makes ( Verbal or Written request ) to ChexSystems for Removal. ( However ' not. to use an Adverse Action Form with the Bank ' and Consumer ' that was already Completed resulting in not. removing the Inquiry ) 'Statement that the XX/XX/2020 inquiry made by the XXXX XXXX XXXX was as to why " I have a Security Freeze and Fraud Alert in place on my ChexSystems Report. 
'Explanation that I have been unable to open a Money Market Savings Account with XXXX XXXX  during the last year because " the XXXX XXXX XXXX  refuses to remove the Inquiry on my ChexSystems Consumer 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 2022-10-24
Company: Experian Information Solutions Inc.
State: MA
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:
XXXX XXXX  was notified of disputes of account ending XXXX and never resolved the issues. Account need to be deleted as in contains inaccurate/fraudulent information for which XXXX has been made aware of over 30 days ago per Credit reporting agencies claim with my disputes with XXXX, Experian, XXXX. Regardless of my efforts to try to resolve the disputes with XXXX XXXX  as I advised XXXX that this is Fraudulent account XXXX continues to ignore my request and to report this on my credit which is causing me a great deal of damages to say the least. XXXX XXXX  is being negligent in follow consumer laws and FCRA laws.

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 2022-12-27
Company: Paypal Holdings, Inc
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On Saturday morning, XX/XX/2022, my car was broken into and my PayPal debit card was stolen and used fraudulently at several locations, including XXXX 's twice and the XXXX XXXX three times, for a total of {$6800.00}. As soon as I realized my card had been stolen, I promptly locked it, reported it stolen, and filed a police report. I also have surveillance footage of the break-in. 

In response to the fraudulent charges, I opened XXXX cases with PayPal. XXXX of these cases were closed in my favor, but XXXX  were closed not in my favor, even though the charges were made within a few minutes of each other at the same store. For example, the XXXX charges made at XXXX 's were made just a minute apart, with XXXX charge for {$2100.00} being refunded and the other charge for {$960.00} not being refunded. 

On Friday, XX/XX/XXXX, I called PayPal customer service and after being transferred multiple times, I spoke with someone who promised to reopen the XXXX cases that were closed not in my favor. However, as of today, XX/XX/XXXX, this has not been done.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-03
Company: CURO Intermediate Holdings
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Ad Astra, is in continual violation of my consumer rights. The last reply I received from them stated that " As XXXX XXXX has indicated that he is represented by counsel in connection with the account placed with Ad Astra, the validation requested was provided to his attorney as required by law. Until such time that XXXX XXXX indicates that he is no longer represented, Ad Astra can only communicate with the consumers attorney which is why the validation sought by XXXX XXXX was delivered to his attorneys XXXX, Texas address ''. In fact, I have never communicated this to Ad Astra. On XX/XX/2022 Ad Astra wrote " In our role as a third party collector, Ad Astra has attempted to contact the consumer on several occasions by mail to negotiate repayment ''. There has been no contact from me towards AdAstra outside of the CFPB. So, how did I tell them I had counsel? They must explain this and provide evidence. 
I understand that these are delay tactics and cheap collection agency tricks. Afterall, AdAstra has a well-documented history of such. I WILL STATE NOW THAT I DO NOT HAVE COUNSEL AND HAVE NEVER COMMUNICATED SUCH TO ADASTRA. Furthermore, as I have always maintained AdAstra has not properly validated this debt as they have been willfully reporting erroneous information including my name. There is someone who shares the same name as me in XXXX and I believe that is why they sent the information to XXXX. Evidently, AdAstra has confused he and I. 

Therefore, I REQUEST AdAstra to immediately forward to my address the following : 1 ) Pay off disclosure 2 ) Interest Rate Disclosure 3 ) Balance History 4 ) Payment History 5 ) Credit Insurance 6 ) Signed contract with my signature 7 ) PROOF that I told them I had counsel, the counsel 's phone number, name and address.

8 ) Method of investigation used to validate this account I REQUEST THESE 8 PIECES OF INFORMATION ( in its entirety ) BE IMMEDIATELY AND WITHOUT DELAY SENT TO ME AT MY RESIDENCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I called Sunrise Credit Service on XX/XX/2022 around XXXX XXXX  to inform them that there was a fraudulent collections account that has been place on my credit report by them. This has occurred multiple times in the past 6 months, by various credit services. I had called to alert them to this. The man on the other side of the phone said " I don't have time for games. We are a legitimate service. '' and was hung up on. I have filed a dispute with XXXX about this, where my credit report already has a fraud alert on it. The address that is tied to the account, which also has been on my credit report ( and removed 3+ times already ), does not even exist. It is located in another state as well. 

Additionally, because this account is fraudulent and does not have an associated address with it, I have received no paper correspondence. If I could speak to anyone meaningfully at Sunrise, I would refuse to give them any additional information for fear they will just adjust the information on their end and try to serve me this fraudulent 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 explanation
Consumer complaint received 2022-10-24
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
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:
Someone open a checking and savings account at BMO Harris Bank in my name. They mailed me a debit card obviosuly without authorization. Its basically impossible to reach anyone on the phone without getting disconncected or sitting on hold for hours. Its truly unbelievable. They are not responding to emails. There is no BMO branch closer than 3 hours away and they keep recommending I go to the closest branch. Not possible. I made a police report which I emailed to XXXX. No response. No one will give me a direct phone number. And now my identify is stolen and THEY opened the account in my name with no verification??? Its the worst customer service I have EVER received.

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 2017-08-13
Company: EQUIFAX, INC.
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Equifax has reinserted an account on my credit report without a 5-day notice which is against the FCRA. The credit bureaus must notify you within 5 days of the re-insert date. Equifax has continuously done this on my credit report and its greatly affecting me and my credit. I 've attached the re-reported account to this complaint. On XX/XX/2017, I discovered XXXX XXXX XXXX had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
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:
Account Name : XXXX XXXX XXXX Account Number : XX Account Type : Collection Responsibility : Individual Date Opened : XX/XX/2018 Status : Collection account. {$1400.00} past due as of XX/XX/2018. 
Status Updated : XX/XX/2018 This is the information from Experian. I did not under any circumstances open anything in XXXX. This debt/account does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I contacted FedLoan servicing at the start of XX/XX/2022 to request a refund of payments I had made during the XXXX forbearance. FedLoan acknowledged that my request had been received and that I would receive my refund within 2 to 6 weeks.

Approx 2 weeks of that refund request, all of my loan information disappeared from my account on the FedLoan website. I contacted FedLoan on XX/XX/XXXX to understand why I could no longer see any information related to my loan on their website. I was informed by the agent on the phone that FedLoan no longer serviced my loan and that it had been transferred to another servicer. They said my request for a payment refund would have to be made through the new loan servicer. 

I immediately called the new loan servicer, XXXX. They said that my loan information had not actually transferred yet and could take up to 2 months to transfer and be in their system. They could not see any info related to me or my loan as it was not yet in their system. 

FedLoan servicing knowingly made a promise of a payment refund with a 2-6 week timeline and then immediately sought to transfer my loan away from themselves. They knowingly gave fraudulent information and made no effort to process my refund request. Money that is legally my right to be refunded is now unavailable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: Accredited Collection Service, Inc.
State: MA
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:
I had a tanning package with XXXX, in my contract in stated that if I was to move out of the area where XXXX XXXX is not located I could cancel my membership with no fees. I then moved to North Carolina for college before my contract was up. I have attempted to reach XXXX XXXX management to cancel the account and they will not. They do not return phone calls and are never in their office. XXXX XXXX sent my account to a debt collector who is no help and getting the situation resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
This account has been paid in full and its still still 3 months later I need the balance updated. Thanks

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 2017-08-13
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX When all bills are paid on time my score never increase XXXX points and when late they decrease XXXX points why? XXXX XXXX card XX/XX/XXXX phone XXXX I did not request a credit card in m name and a police report is on file. XXXX XXXX phone XXXX XXXX XXXX XXXX A credit card was issued in my name to a difference address and charges was made A police report is on file because I did not request this card.XX/XX/XXXX. XXXX 's was paid XX/XX/XXXX XXXX XXXX was paid XX/XX/XXXX XXXX XXXX was paid XX/XX/XXXX XXXX XXXX was paid XX/XX/XXXX XXXX XXXX XXXX was paid XX/XX/XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX was paid XX/XX/XXXX All educational student loans are paid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When viewing my credit report I saw information on my consumer report that I have no knowledge of so I filed a police report for the following unauthorized accounts : 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 

I filed a police report because my information was compromised after seeing my credit report I reached out to both parties and would like said alleged accounts and I would also like for all fcra guidelines to be followed sections 15 U.S. CODE 1681 B SECTIONS 609, SECTIONS 611, SECTIONS 604, AND SECTIONS 623.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I bank with Bank of America in California and have done so for more than a decade, perhaps much longer. As of XX/XX/2022, every check I have written has been flagged for fraud and required an immediate confirmation from me, by text, for the check to be processed. While the claim is regarding " unusual activity '', the checks flagged are some of the most regular transactions I make. My rent check is the same amount, to the same entity, at the same time of the month, every month, for more than a decade -- -yet it is " unusual ''. Similar checks have been flagged, 5 in numerical sequence. Now I see that my credit card ( I have 2 with Bank of America ) is also indiscriminately flagged and transactions being rejected on the basis of fraud. These include regular subscription charges that have occurred for years for the same amount at the same time to the same vendor. 
The net effect is that Bank of America, under the auspices of " fraud protection '' is refusing to make the payments I authorize unless I am available to respond to texts -- sometimes that is not even an option. 
I have spoken with a number of service agents and none have the ability/authority to actually address the issue of a global denial of payment processing for my accounts, apart from " leaving a note in my file, '' which they have admitted, is not something a computer will read or regard. 
Discussions with supervisors have only resulted in them saying " we're doing the best we can ''. 
I believe that Bank of America has flagged my account and rendered it functionally inoperative as a retaliation for my negative feedback and my frequent use of the customer service phone contact, or some other reason. I can not believe that this level of " protection '' is being used across all of their consumer accounts, or their business would cease to function, therefore if it is specific to my account, it is to discourage or punish my use of the bank, which has not materially changed. I maintain substantial checking and savings balances, do not carry a balance on any of my credit cards and do not initiate chargebacks or other costly banking services with any frequency. My behavior has not changed, but the behavior of my bank has drastically changed. I can not seem to contact anyone who has the authority to address more than individual transactions, while my problem occurs across the entire company.

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 2017-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX When all bills are paid on time my score never increase XXXX points and when late they decrease XXXX points why? XXXX XXXX card XX/XX/XXXX phone XXXX I did not request a credit card in m name and a police report is on file. XXXX XXXX phone XXXX XXXX XXXX XXXX A credit card was issued in my name to a difference address and charges was made A police report is on file because I did not request this card.XX/XX/XXXX. XXXX 's was paid XX/XX/XXXX XXXX XXXX was paid XX/XX/XXXX XXXX XXXX was paid XX/XX/XXXX XXXX  XXXX was paid XX/XX/XXXX XXXX XXXX XXXX was paid XX/XX/XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX was paid XX/XX/XXXX All educational student loans are paid

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 2022-08-03
Company: EQUIFAX, INC.
State: AL
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 21 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 XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my FURTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX CT XXXX, NC XXXX ; XXXX XXXX XXXX XXXX NC XXXX XXXX/XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$1000.00}.

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 2022-08-03
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened a checking account online and deposited {$3000.00} with the pretense that I would receive {$300.00}. The checking account type was not available online so I picked the one that was available but since it is not the right one i will not receive the {$300.00} nor will they let me close the account because it needs to be open for 6 months. Secondly i can transfer money into their account but for me to transfer money out it will cost me {$3.00}. 

The advertising that they had was not clear and offering multiple checking accounts is deceptive especially when they steer you to one that is not part of the promotion.

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