BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I appropriately notified the company prior to losing employment on XX/XX/XXXX of this year financial hardship and then afterwards when I requested to use the unemployment insurance that I paid for when I set up the loan with them and I sent all the appropriate paperwork as well. They continue to reach out to me and my family members and friends regarding payment on this account however the unemployment insurance was properly applied for and all of the appropriate paperwork was faxed to them for that to be put through and I had just recently notified your office of the same problem on a separate ticket and they had reached out and it seemed as if they were going to correct the situation on my credit report and did somewhat but when I checked again they have again reported this as a delinquent accounts it is showing up and ran and is showing as past due which it should not be as it shouldve been covered by the unemployment insurance I paid for from XXXX through now as Im still unemployed and I am also working with the governors office they have filed a XXXX claim for me as well

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 2015-12-08
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX XXXX, 2015 I sent a formal letter via Certified Mail with Return Receipt requested by USPS to this company disputing and requesting validation for a debt they have listed on my credits reports. This account was posted to my credit reports without my having ever received an initial notice from the company that the debt existed or informing me of my right to dispute it. I have received proof from USPS that my letter was accurately delivered, and according to the Fair Debt Collection Practices Act and Fair Credit Reporting Act, the business legally has 30 days to respond to this validation request, otherwise it is illegal to continue collection efforts, including reporting this alleged debt to the credit bureaus ( which constitutes fraud ). It has been over the 30 days allowed by law and they have failed to respond with appropriate validation All I have received from them are a few pages with arbitrary numbers and my name attached to them, with no indication of how these amounts were calculated or that I ever agreed to pay these amounts. They have failed to verify that this debt is valid, that I have any obligation to them for the amount they are claiming against me, or that this debt is legally associated with me in any way. Furthermore, they have reported this debt as " Verified '' when I filed a dispute action against it with the credit bureaus, even though there is no provided proof that it is, in fact, valid. This action constitutes fraud and defamation of character, in addition to violating the previously mentioned debt and credit Acts. For these reasons, I sent a final deletion request to the company on XXXX XXXX, 2015, and gave them 10 days to respond before I file legal proceedings against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: EQUIFAX, INC.
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:
I, the consumer, in fact, am a victim of identity theft, and pursuant to 15 USC 1681c-2 I am requesting the block of such information resulting from such identity theft from my consumer report. I am fully aware that pursuant to 15 USC 1681c-2 ( c ) the consumer reporting agencies have the authority to decline or rescind requests to block information. My request was not made in error nor is there any material misrepresentation by me the consumer so my request should not be declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My name is XXXX XXXX, this morning a lady left a voice mail stating I used her credit card and please do not use her credit info. I never talked to this lady who called from ( XXXX  ) XXXX. Someone yesterday XX/XX/XXXX, tried to debit {$2000.00} from my bank account. Today I get a voice message from a unknown lady seems they must live somewhere in Pennsylvania, Who are these people?

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 2021-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Ive filed a dispute in regards to the incorrect information on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-07-26
Company: JPMORGAN CHASE & CO.
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:
They are five hard inquiries on my XXXX  Credit Bureaus report and are showing under my name. They are not authorized by me and they are not belongs to me. Therefore, all five inquires should be removed immediately from my credit report. 
1 ) Jpmcb - card service 2 ) XXXX XXXX 3 ) XXXX  XXXX, XXXX 4 ) XXXX XXXX XXXX  XXXX 5 ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Synovus Bank
State: MD
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:
This company is reporting late payments on my credit reports. 
According to the FCRA reporting of my payment history is illegal. This company is also in violation of GLBA because my consent is needed in order to share my non public information with nonaffiliate company such as XXXX, XXXX and XXXX. Below are 2 of the federal laws that this company is violating.

1 ) 15usc6802 : A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

2 ) 15usc1681A ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Failure to update all payment as current within 30 days make this company liable for {$1000.00} per violation according to 15usc1681N

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

The following personal information is incorrect : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: Paypal Holdings, Inc
State: VA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
We 've had a PayPal account for years and years. In XX/XX/XXXX, however, Paypal pulled our credit report and converted our standard PayPal account to a revolving credit account. We were unaware of the change, so when we thought we were making a conventional PayPal transaction on our existing account, it charged this new line of credit. Making it worse, we then got no statement in the mail, so did n't know we had n't received a bill for this account we did n't know we had. Learned of the new account- and missed first payment! - only when applying for a mortgage. Called PayPal- they refunded the late fee but now I have a black mark on my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, 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:
This is my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$5900.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$49000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$47000.00}. 

If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file.

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I've requested BB & T Bank XXXX XXXX department and XXXX, company that manages BB & T rewards program, on numerous occasions, to provide me with a detailed statement, from date of inception - current. This is to include date, amount, number of points redeemed, number of points available. I need this information on 3 business accounts under the name of XXXX XXXX, XXXX. This is required by family court in a civil matter and is required for equitable distribution. I

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 2015-11-16
Company: Flagstar Bank, N.A.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have went through the entire process of the loan modification making the test payments required submitting all documents they requested and at the end of the process they send me the paper work for me to sign and its incorrect. Flagstar bank is refusing to give me a loan modification because of incorrect paperwork that they sent out for me and my estange wife to sign that she will not sign. She is not on the loan nor the property deed and she refuses to sign the paperwork because Flagstar has her listed in the documents as being responsible for the modification. I have called them several time and they are refusing to remove her name or send a letter stating she is not responsible for the financial obligations. They are trying to force her to sign something and she has no legal rights to it or foreclose on the house.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: Experian Information Solutions Inc.
State: VA
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:
Payment never late. The amount paid was incorrect, lower than the amount due, because of an error when paying. When the error was discovered, it was corrected immediately. Never late before or since.

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 2016-04-24
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am seeing IC System on my credit report for a supposed collection for XXXX XXXX XXXX for a bill that was paid 4 years ago and at an address in which I have not lived in 7 years. I do not know who this company is, but have seen that XXXX complaints have been filed abouts scams that are very similar to my situation ( I.e. almost decade-old bills that had been paid years upon years ago and are being resurfaced via this company ). Please 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 2021-07-26
Company: First Loan Choice
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
This company has been calling everyday and after I have talked to them they send emails. Im tired of harassing calls. Two emails XX/XX/XXXX and XX/XX/XXXX after I had just talked to them. They will at least twice a day.After I got the money I looked and seen how much interstate they were charging, which was bull XXXX 4x I pay back what I borrowed

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 2021-07-26
Company: EQUIFAX, INC.
State: DE
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : EQUIFAX MORTGAGE SER-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: ZWICKER & ASSOCIATES
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
A debt collection consolidation company I contracted with back in XXXX last year must have asked for proof of debt from XXXX XXXX 's debt collection agency, Zwicker & Associates, on or around XXXX/XXXX/XXXX. The company I contracted with, XXXX, XXXX, never told me they were requesting this information so I was surprised when the XXXX & XXXX lb. package arrived at my door opened, contents spilling out. I believe Zwicker & Associates deliberately sent the information to my home instead of XXXX to deliberately cause me financial harm and compromise my personal information. I have know way of knowing how many eyes had access to my credit history going back to XXXX. I will upload pictures of the packaging as received at my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have two inquiries still showing on my Equifax credit bureau from XXXX both in XX/XX/2016 and are two weeks apart from each other. I wrote to the office and called the customer service department where the person XXXX could not find my information. I requested both of these to be removed from Equifax and XXXX XXXX and it still shows. This only shows up on Equifax but there was no contact information showing on each inquiry. This was more fraud being done since it was made twice without my authorization in XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
IN 2005 OVER 10 YEARS AGO I HAD AN ACCOUNT WITH XXXX AND AFTER MY CONTRACT RAN THROUGH DISCONTINUED SERVICES. MIDLAND FUND HAS SINCE BOUGHT THIS JUNK DEBT AND HAVE BEEN CONTINUING TO PERSUE AND REPORT THIS TO THE CREDIT BUREAU AND HAVE ADDITIONALLY PADDED THE AMOUNT INITIALLY WRONGFULLY REPORTED AS OWED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-04
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Every month UAS charges me {$15.00} because they take too long to process my payment that I make from XXXX Online Bill Pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
XXXX XXXX i filed for XXXX and noticed that i am a victim of XXXX. Someone took out a personal loan/loans using my identity. there for ruining my credit. in XX/XX/XXXX.It has been going on since XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-26
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I had the following chat. The broken link is still on the page and still broken. 

... 
Would you like to send this conversation to a customer support agent? We typically respond within a few hours. 
XXXX XXXX  - PayPal Assistant Yes XXXX XXXX  If you haven't already, let us know why you're contacting us. Feel free to step away and we'll notify you by email or push notification when we've responded. 
XXXX XXXX  - PayPal Assistant I messaged you last night. But it seems you threw away the question. 
https : //www.paypal.com/us/smarthelp/topic/NONPROFITS_AND_DONATIONS won't load. 
You link to it from https : //www.paypal.comXXXX Please fix the link and send me the FAQ. 
Hello? 
XXXX XXXX  So angry now. It's been almost an hour. Hello? 
You link to it from hundreds of pages, e.g. https : //www.paypal.comXXXX Hello? This is absurd. I'm looking for clarification on the " *Some partners may charge fees on donations made through their platforms. See FAQ for details. '' sentence - are banks/VISA/MC such 'partners '? 
XXXX XXXX  Messages are worked in the order theyre received and well send you a notification to your app, PayPal account, and email you when we reply. Thank you. 

XXXX  Thank you for contacting PayPal, my name is XXXX. When it days XXXX its describing sites like XXXX  that uses PayPal to receive donations but XXXX will take a percentage of the funds collected before they are sent over to PayPal. 
XXXX XXXX - XXXX This conversation has been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: EQUIFAX, INC.
State: GA
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:
Since XX/XX/2020 Equifax has had a split file for me and I can only return results that show no credit indicator on file and length of credit history 0 months with zero revolving credit and zero accounts zero increase. It's impossible to work with your customer service because I have tried multiple times, open multiple cases which I have the confirmation numbers for, paid for their premium service twice at the reps suggestions, and none of it has fixed the fact that when creditors pull my social security number and score they show no credit file. XXXX  and XXXX  are fine but Equifax refuses to actually look into the issue and I've escalated cases multiple times to no avail over the last year. 

You can see the screenshots how it goes from somewhat poor but improving credit score to completely blank but I can't seem to get anybody to tell me why or how to fix it ... I tried very very hard but they make it somewhat difficult to really contact them

Company response to consumer: Closed with explanation