BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-23
Company: U.S. BANCORP
State: MD
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:
A company by the name of Elan Financial Services did a hard inquiry my XXXX credit report without my knowledge so I assume Fraud or Identity theft may be involved

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 2022-06-22
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:
n accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-20
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I made an online pruchase for XXXX XXXX XXXX XXXX for XXXX at website XXXX XXXX XXXXXXXX I have the email thanking me for purchase that I did via Paypal. Somehow when I did this transaction it did as family and friends transfer and not business transaction. I have no idea how that happened, I've been using paypal for online transactions and this is the first time this happened. Anyhow the money transfer for XXXX USD to XXXX XXXX transaction ID XXXX recipient XXXX XXXX email XXXX for XXXX and fee of XXXX from paypal I believe it was a foreign exchange not sure. I tried contacting XXXX to get information on delivery of product and never heard back. This was on XX/XX/XXXX. I entered a dispute with pay PayPal " We've closed this case as our review showed that this transaction was processed correctly and an amount of {$89.00} USD was successfully transfered to the XXXX on XX/XX/2022 at XXXX XXXX XXXX ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-27
Company: Experian Information Solutions 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:
I DONT HAVE ANY KNOWLEDGE OF THESE ACCTS ON MY CREDIT- PLEASE REMOVE OR DELETE ... ....

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 2022-08-20
Company: Chime Financial Inc
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
For a year I have mobile deposited my payroll check into my Chime account and its always available end of same business day. Thursday the XXXX when I deposit, they put a 9 day hold on it and send me some email about waiting for it to clear so to make sure it doesn't bounce. I spoke with customer service, the lady said the check has been accepted and funds have been transferred she doesn't know why the hold is there, so I ask for it to be escalated to a manager. The manager tells me nothing can be done and even laughs when I tell her this is fraud and theft, I'm a working class man living paycheck to paycheck and a 9 day hold means I won't have gas for work next week.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I had applied for a new credit card and XXXX XXXX dropped XXXX points, XXXX XXXX points and Experian XXXX points. Then I had 3 hard inquiries removed and my score stayed the same. Experian is infamous for over deducting points and not adding points when something negative is removed. I called there horrible customer service in the XXXX where they are extremely unknowable. If you ask a question about something valid they put you on held then disconnect you on purpose. It happened 4 times in a row. When I finally spoke to someone who actually answered my questions, they told me your score should have increased but its all automated so we have no control over it. Either she was incorrect or the automation is severely flawed and neither is acceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: JPMORGAN CHASE & CO.
State: OH
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:
On XX/XX/XXXX I took a XXXX XXXX survey and was awarded a FREE gift. I authorized a XXXX shipping fee and I bought a memory card for XXXX with a total of XXXX. On XX/XX/XXXX the merchant withdrew XXXX that I did not authorize. I called my bank chase to dispute the XXXX charge along with the others because at this point I think I have been scammed. I requested a new card and thought the issue was over. On XX/XX/XXXX the merchant charges my account again for XXXX I called the bank and they advised they called me on XX/XX/XXXX and told me the merchant showed proof of tracking # and XXXX shipment information and that they would not return the XXXX to me. I did not authorize them to charge me XXXX for a free gift from a XXXX XXXX survey. I only authorized a total of XXXX which I have an email correspondent for but the email return address is a scam when you look it up on google. I called the merchant number chase provided because they said I had to call the merchant now because the merchant was not goin to return the funds back to me therefore chase recharged my account for XXXX. After speaking with the Rep from the number I was given she told me that there was nothing they could do because chase already did a dispute and the bank is supposed to refund me the money. All this sounds fishy to me. I had the Rep send an email to me stating why they would not refund my money after charging me for what was supposed to a free gift. She sent the email and I also have an order receipt which shows the XXXX XXXX XXXX XXXXXXXX and a XXXX XXXX XXXX  and XXXX shipping for a total of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: CountryPlace Acceptance Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Country place Mortgage provided documents to the CFPB and I compared them with what the title company has. Please explain to me why my husband and my signatures are all different and different check marks are checked? 

We have no idea what true what we paid for or anything for what our loan cost are.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
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:
I DONT HAVE ANY KNOWLEDGE OF THESE ACCTS ON MY CREDIT- PLEASE REMOVE OR DELETE ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions unknowingly authorized. There are variation of companies name, account numbers are incomplete, variations of balances. If there are 36 entries on my consumer credit file combine with all three of the major consumer reporting agencies which are XXXX XXXX and Trans Union. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include XXXX XXXX and Trans Union all three agencies have had data breaches. Within the last 60 days some of these transactions have appeared on my credit file. On XX/XX/2022 my credit score has plummeted over 100 points. SEE ATTACHMENTS

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 2022-08-20
Company: California Business Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CALIFORNIA BUSINESS BUREAU , INC has been reporting amounts to XXXX for medical debt allegedly owed to XXXX in XXXX XXXX. The Collection Agency refuses to provide me with any documentation of these account balances and continues to report each amount to XXXX four or five times each month. Each time I ask the collection agency for an account statement I am told that the collection agent is waiting for the original creditor to send them documentation that they have requested. I have contacted the original creditor and been informed that no information has been requested by the collection agency for any of these accounts. California Business Bureau , Inc. refuses to provide account statements, reports the balances to XXXX several times per month, refuses to attempt to actually collect any money they allege I owe and has been negatively impacting my credit score since XXXX without just cause. I have filed complaints with XXXX and they have accepted Certifications and Verifications from the collections agency in lieu of requiring documentation to substantiate the amounts owed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hello, I disputed US DEPT OF EDXXXX XXXX XXXX and on XX/XX/XXXX I was notified that US DEPT OF ED/XXXX  XXXX XXXX was deleted per the image below ; report XXXX. Then I was then notified on XX/XX/XXXX the same account ; US DEPT OF EDXXXX XXXX XXXX was updated with with Report number XXXX. Then another notification US DEPT OF EDXXXX XXXX XXXX was updated again with report number XXXX. The account was deleted and then reinserted with account US DEPT OF EDXXXX XXXX XXXX. It contains same information such as the name, date opened, payment history, balance, etc. as the deleted acct but with a different account number. 

My rights were violated by Experian is in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). Which states : 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency ( ii ) Notice to consumerI f any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 

I was not notified and I received no mail from Experian within 5 days of the reinserted account despite Experian having my current address. I'm unsure why I wasn't notified, please remove this 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 non-monetary relief
Consumer complaint received 2022-11-25
Company: Experian Information Solutions 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:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 alleged fraud or extortion. 



XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX  XXXX Balance : {$10.00} ; XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX VA XXXX ; XXXX XXXX XXXX XXXX WY XXXX, VA XXXX ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 ; XXXX  XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX  XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022

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 2022-06-22
Company: Rapid Auto Loans LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
My name is XXXX XXXX and I need your help to get my vehicle title released from Rapid Auto Loans. In XXXX I was going through some rough patches in my life and I needed to pull a loan so I put my XXXX XXXX up for collateral. I went through a company called Rapid Loans. This loan was paid in full. XXXX XXXX I went through a divorce and again needed financial help so I did another loan using my XXXX XXXX as collateral. When my divorce finalized and I got money I was entitled to I paid the loan in full XX/XX/XXXX. I was keeping the vehicle so I did not contact XXXX to make sure the lein had been cleared on my vehicle and trusted the company to do their part after I did mine. Here we are XXXX over 2 years later and I am trying to sell my XXXX XXXX and I find out there is a lean against my vehicle. I have called this company everyday for 2 weeks multiple times and talked to multiple people. All parties I have spoken to says they have escalated my call to upper management but says there is no time frame they will get to it when they can. They also say they have no contact information for " upper management '' that my lean has been escalated to. I am attempting to file fraud charges with XXXX at this point with no time frame as to the release with that either. I have exhausted my options daily trying to resolve this dilemma and the XXXX XXXX customer service just says I can call every day and the result will not change. Can you please advise me on what to do next or help me to contact " upper management '' as they call it to find out why this company won't do their part after I have done mine? Please help I work a 40 hour a week job and I'm exhausted trying to get through to these people.Thank you my contact information is included please help me with my situation.

Company response to consumer: Untimely response
Consumer complaint received 2022-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
I refinanced both of my automobile loans to receive a lower interest rate. Initially, all of the credit bureaus had both accounts for both cars listed on my credit report. They ( Transunion, XXXX, and XXXX ) dropped my credit score by almost ( 70 ) seventy points because of the transfer of the loans. It is inconceivable that the reduction was warranted and fair, as I have a caucasian friend who sold his house and his credit score didn't drop a point. The blatant disregard for Consumers is obvious or should be and warrants an investigation of the entities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I began questioning this organization in XXXX of XXXX into XXXX and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the fourth time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hi, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX, social security number XXXX. 

I have 3 accounts that I have been disputing for month about some charges off, they said if verified but they do not send me he information I am asking for to Verify those, there are lots of inaccuracies that have not been removed and at this point I need to get to you to please help me out to solve this issue and hace those accounts remove form my report. 

dates, amounts, lots of things are inaccurate and they just do not fix it and keep sending that it has been updated and whatever they have updated is has been updated wrong again. so I do not know what to do next. 

I am attaching one of the last disputes i mailed and also the last updated report they mailed to me with with no changes at all in any of the 3 credit bureaus. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hi, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX, social security number XXXX. 

I have 3 accounts that I have been disputing for month about some charges off, they said if verified but they do not send me he information I am asking for to Verify those, there are lots of inaccuracies that have not been removed and at this point I need to get to you to please help me out to solve this issue and hace those accounts remove form my report. 

dates, amounts, lots of things are inaccurate and they just do not fix it and keep sending that it has been updated and whatever they have updated is has been updated wrong again. so I do not know what to do next. 

I am attaching one of the last disputes i mailed and also the last updated report they mailed to me with with no changes at all in any of the 3 credit bureaus. 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 2022-06-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check for XXXX and then the account that the XXXX came from was closed so the funds were returned. Once the check was returned my account went on hold as has been on hold since XXXXXXXX almost two weeks ago. I have been trying to resolve this issue with Chase for the last ten days, they tell me I have to call this one lady XXXX at XXXX but she never answers it goes straight to voicemail and I never get a call back. I spend on average one to two hours a day with Chase trying to resolve the issue, I am getting late fees and all kinds of charges because I can not pay my bills, Chase is also saying I cant even close my account and get access to my funds until XXXX has resolved the issue.

Company response to consumer: Closed with non-monetary relief