BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-09
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 ordered a copy of my report in XXXX dated XX/XX/23 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed accounts which I believe were reported in error. 


XXXX XXXX  XXXX Balance : {$4700.00} ; XXXX XXXX XXXX XXXX Balance : {$1300.00}

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 2023-07-19
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX, I added XXXX dollars to my Venmo account. I've been trying to transfer the money back to my account since then and Venmo will not let me get my money back. I've tried to do an instant transfer, a standard transfer and sending it to there Venmo users so they can cash it out and cash app it to me and no matter what I do or who i send it Venmo will not allow the transfer. I've talked to customer support and they have said that there is nothing they can do so they stole XXXX dollars from and I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: AR
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 appreciate the time and effort you dedicated to removing a portion of the Fraudulent infromation being reported on my Credit File but upon further inspection, there is still an items left that should also be removed. In accordance with the Fair Credit Reporting Act section 605b, I am requesting that you remove the remaining inquiry completely from my Credit File. This XXXX was not authorized by me nor anyone on my behalf. Please remove this inquiry at the earliest possible time : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If you believe that this inquiry is accurate, I need you to send me any copies of proof of verification or any documents supporting your claims that the disptued item belong under my name. In the absence of such documents, immediate deletion of the disputed inquiry will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: AMERICAN EXPRESS COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
On my XXXX credit report i have 2 hard inquiries on XX/XX/2023 and XX/XX/2023 from American Express/AMEX . I also have 5 soft inquiries from American Express/AMEX for the same days. 

On XX/XX/2023 i have a hard inquiry from XXXX XXXX along with 1 soft inquiry on the same day.

I also have 1 hard inquire from XXXX XXXX XXXX and 2 soft inquiries for the same day of XX/XX/2023. 

All these are duplicates and are not accurate. These companies ran my credit multiple times without my permission resulting in multiple inquiries on my account. These applications were for pre approvals which they assured me would be a soft inquire and not a hard one. However, weeks later, the inquires say they're hard. This is not accurate representation of my account and i want the hard inquiries removed because these were suppose to be soft inquiries, hence why we have so many soft inquiries from the same companies on the same dates. I believe this was a mistake on their part and id appreciate it if they removed the duplicates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Mr. Cooper Group Inc.
State: MN
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: Investigation took more than 30 days

Complaint:
Mr Cooper mortgage company set me up to fail from the beginning. They never sent a welcome letter or statement due in XXXX. I only found out when I called my previous mortgage to pay. They gave me a number to call and when I did, they told me my account was not set up yet and to call back next couple weeks. When I called back, this person told me to call a different number which I did and was told to register my account. When I proceeded to pay, it only allow me to pay XXXX so I called again and was told to just pay that amount and will even out next time but I said that I needed to pay my full amount and was told not to worry about it. XXXX came and again tried to pay but only allowed to pay XXXX and I called company again and was told again not to worry about it that it will even out next month so XXXX came and finally allowed me to pay full amount of XXXX which I did. I thought maybe it takes a couple months to even out so I didn't worry. After my XXXX payment, I found out that I was a late on my payments? but I said why didn't they tell me on my XXXX statement to pay all that was owe, why wait for the XXXX statement to say that I was late. I feel because of this company 's mistake and not taking responsibility for their mishandled of what was due, my credit score is being affected. I was not even given a chance to pay on time in XXXX because I never new they were my new mortgage company. I never received anything from them. Who does that?. Again why is this my fault? Now, my XXXX payment was on time and why is it showing that is was late?. I hope this gets fixed

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: NC
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Sequium Asset Solutions, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
THE COMPANY IS ATTEMPTING TO COLLECT DEBT I BELIEVE I DO NOT OWE. THEY'RE FURNISHING INFORMATION ON TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 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 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
Consumer complaint received 2023-06-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
How many times have I told you that I am a victim of Identity Theft? Despite numerous requests to remove the items from my file, still, these items are still showing on my report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. I want all the Bureaus to remove/block these 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
CAP ONE AUTO ( Duplicate Reporting ) Capital One Account # XXXX CAPITAL ONE AUTO FINANCE is reporting to XXXX as - Derogatory 90 days late payment. And CAPITAL ONE AUTO FINAN ( Duplicate Reporting ) Capital One Account # XXXX XXXX  is reporting is as a Repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached two FTC reports with accounts and fraudulent inquiries I did not authorize please 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 explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: NY
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Dept of Ed/XXXX, Dept of Ed/XXXX Dept of Ed/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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

- There are several inaccuracies being listed on my credit 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 2023-01-31
Company: SYNCHRONY FINANCIAL
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:
I have 5 credit accounts that mysteriously went over to Synchrony. Naming 3, HSN, QVC, and XXXX XXXX. I just got an alert from XXXX that one of my credit lines have been reduced. It was XXXX 's. My credit line went from {$2600.00} to {$1000.00}. They run periodic credit checks and adjust your credit limit according to your XXXX score. My XXXX 's balance was {$1000.00}. Now my credit report will show a maxed out credit card, plus over limit. Unreal!!! They did this to all 5 accounts. I contacted all the companies and told them, by switching to Synchrony, you are losing a customer. All 5 did not care. XXXX XXXX was fine until I refinanced a vehicle, It dropped my score from XXXX to XXXX. I have XXXX years of perfect credit history, but that doesn't account for much anymore. Synchrony iis damaging my credit standing.I had no adverse reports on my credit standing... 
SYNCHRONY 's Response : Our Bank reserves the right to periodically check the credit history of our customers, and to adjust the credit line, or possibly close the 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 2023-02-10
Company: LTD Financial Services, L.P.
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:
15 usc 1681g disclosure to consumer I was not informed of any activity. And my credit profile is freezed. 15 usc 1681 ( a ) ( 4 ) XXXX XXXX XXXX accounts that reporting false and misleading Information. XXXX XXXX XXXX accounts that reporting false and misleading Information. They never properly verified account. XXXX XXXX XXXX accounts that reporting false and misleading Information XXXX XXXX XXXX accounts that reporting false and misleading Information. Ltd acquisition llc accounts that reporting false and misleading Information I've disputed several collections accounts that reports a s open and some have information that's not valid. None of these accounts was properly verified. I have had a credit freeze and my report is being accessed without my knowledge. I would like accounts to be removed due to false reporting and defamation of character. I've also checked some of these company online through https : XXXX XXXX  and they are not licensed in my state.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26
Company: JPMORGAN CHASE & CO.
State: NH
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX XX/XX/2023 my wife attempted to book a room at the XXXX XXXX, XXXX NY using an on line booking service. The booking was made through a third party, possibly XXXX, although on line it appeared that she was communicating directly with the XXXX XXXX. 

Immediately after the booking had been made my wife received an email from Chase Fraud Alert. The email referred to a transaction with XXXX XXXX , and indicated that it had been declined. She was given the option of confirming that the transaction was legitimate, and trying the purchase again ; or of denying that it was legitimate. As the notification came from Chase Fraud Alert, and the amount shown was much greater than what had been indicated during the booking, {$1800.00}, my wife selected the No, somethings wrong option. Our Chase cards were immediately cancelled. Note that the email stated that the transaction had been declined, and that we would not be charged unless we tried the transaction again. 

Over the next few days my wife contacted the desk at the XXXX XXXX to make sure they understood that we wished to cancel the booking. She also called Chase customer service to make sure Chase understood we would not be staying at the XXXX XXXX and did not expect to be charged. The third party that handled the booking was very difficult to locate and contact but she did eventually speak to someone who claimed to represent them and advised them that we wanted to booking cancelled. 

Although my wife notified Chase, the XXXX XXXX, and the third party booking agency that we would not be staying at the XXXX XXXX and that we wanted the booking cancelled we were still charged for the room. My wife disputed the transaction with Chase via Claim ID XXXX, but Chase decided in its own favor that the transaction was valid. We disagree. 

In summary - Chase Fraud Alert notified us that the transaction might be fraudulent and we moved to cancel it immediately - Chases email said the transaction was declined and that we would not be charged - My wife notified everyone involved in no uncertain terms that we wished the booking cancelled - We never stayed at the XXXX XXXX, XXXX NY - Chase charged us {$1800.00} anyway, and when we disputed the charge they declined to cancel it Attachments ( 1 ) copy of email from Chase Fraud Alert ( 2 ) copy of letter to Chase regarding disputed transaction ( 3 ) copy of letter from Chase regarding disputed transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Paypal Holdings, Inc
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I MADE A ONLINE PURCHASE FOR XXXX AND I CANCELLED THE ORDER I USED PAYPAL THE REFUND WAS ISSUED ON XXXX XXXX THEN PAYPAL WITHDREW THE FUNDS BACK ON XX/XX/XXXX THE AMOUNT IS {$170.00} I'VE REACHED OUT TO PAYPAL SEVERAL TIMES TO NO AVAIL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
Make mountly payment befor its late and but one payment on XXXX XXXX payment is showing late on credit report. I tried to make payment before 30 day mark using automated system but was not granted access until after which cause payment to be late. I call to dopiest and capital one said they could not do anything

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Diversified Adjustment Service, Inc.
State: DC
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Date : XXXX XXXX  Company : Diversified adjustment company Total amount in debt : {$490.00} Amount Owed with XXXX : {$99.00} Interest charge : {$0.00} Amount in fees : {$0.00} You paid or were credited this amount towards your debt : {$0.00} Im not understanding why Im being charged over XXXXXXXX XXXX & I only owe them {$99.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: PA
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 reviewed my consumer reports and noticed that I had multiple late payments on accounts that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
State: OH
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 appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many unverified items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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