BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-28
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Experian is violating my rights per the Fair Credit Reporting Act ( FCRA ). I listed the ways below : 1. First, I have sent multiple letters to Experian disputing the bankruptcy on my credit report requesting them to provide a description of the investigation conducted along with who they reverified this bankruptcy with including the business name, address, and telephone number of the furnisher of the information as you have on page seven ( circled in red ) attached to this email. They have never sent any of the information per my request but on XX/XX/21 they still said that this bankruptcy is accurate. This is a violation per the FCRA. 

2. On my experian report page 8 ( circled in yellow ), Experian said they certified the information ( US BKPT CT PA XXXX ) as accurate as correct with the company that reported it and to review my report for details. On page 9 ( circled in red ), experian said this section includes public record items from courts that Experian may have obtained from a third party vendor XXXX. I requested and reviewed my consumer report from XXXX on XX/XX/21 but there is no bankruptcy on the report therefore Experian need to provide me with the source of this bankruptcy ASAP because they are validating my rights per the FCRA because they are not validating this bankruptcy debt on my credit report. Please do not reinvestigate but confirm the third party company that reported this to you and made you report this debt as accurate on the dispute results report # XXXX for XX/XX/21 on page 8 ( sheet attached ).

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 2015-06-25
Company: Receivables Performance Management, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I HAVE SENT XXXX DIFFERENT LETTERS MONTHS APART ASKING THIS COMPANY TO STOP HARASSING ME ABOUT SOME ACCOUNT THAT IS NOT MINE. THEY HAVE CONTINUED TO DO SO.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: Big Picture Loans, LLC
State: FL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I request a payday loan for {$1000.00} with BigPictureLoans.com, my understanding was that the amount to be repaid would be {$350.00}, plus the amount borrowed. BigPictureLoans has attempted to charge me {$350.00} for several months, making the repayment amount thousands of dollars. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
last XX/XX/2020 i applied online CHECKING ACCOUNT in Citibank and they approved my application. then i setup my online access and passing al the verification after that i funded my account. XXXX DEPOSIT was made by on that date. the first DEPOSIT is thru my external Account the amount is XXXX the second is thru XXXX money transfer WITH transaction id number XXXX worth XXXX ; total {$3400.00}. i called them so many times but no update. i want my money back in my external Account that linked in my account in Citibank. 
DETAILS OF MY CITIBANK ACCOUNT INTEREST CHECKING NAME ON ACCOUNT : XXXX XXXX ACCOUNT NUMBER : XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: U.S. BANCORP
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I submitted a prequalification application for a home loan at US Bank on XX/XX/22. This was for both me and my husband. The online application said that my credit would NOT be affected and that no hard inquiry would be done, that it was only the first step in the process. However, a hard credit inquiry was done immediately, for me and my husband. I was alerted to it that day through my bank. I looked up the information on XXXX. It said " XXXX XXXX '' had run my credit. I don't know who that is but I think it's associated with US Bank, because at the bottom of the report it says, " Real estate on behalf of Us Bank Home Mortgage. '' A loan officer named XXXX XXXX at US Bank was assigned to me automatically when I submitted the application and I immediately emailed him. It's now been two days and I've written him XXXX times and him and his manager XXXX XXXX together once, and they are completely ignoring me. I called US Bank nine times today and three times yesterday, and no one will explain what happened or fix the problem. I can not reach XXXX or XXXX. I called XXXX today XX/XX/22 to ask how to dispute the hard inquiry. I told them that I have already disputed it with US Bank and they are not answering me. ( In the emails I specifically told them that I am disputing the inquiry and asked that it be removed for both me and my husband immediately. ) The employee at XXXX said all I can do is ask US Bank to fix it because XXXX can do nothing. I do not believe that's true. I've asked how I can dispute this directly with XXXX, if I should mail a letter or something, and the person said it is impossible. She also said that any inquiries by US Bank are " authorized by law '' which does not make any sense. US Bank specifically said in their application online that this would NOT happen, and I told them that I did not authorize this or have any knowledge of it happening until it showed up on my credit report. Law does not authorize running credit without the consent of an individual. I do not know what to do and my credit score has already gone down by XXXX points.

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 2022-04-14
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:
In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX  # 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 2020-04-03
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This debt was reported on my credit inXX/XX/2017. I do not owe national credit system at all they are stating I owe XXXX. Ive called several times to explain I dont owe the debt this company is very rude they also provide wrong information. Ive been trying to dispute this matter for the past 2 years this company will not budge. But they will send repeated phones to the point I had to change my telephone number. I never received notice that I could dispute this matter from national credit system they kept saying they were going to send documentation that owe this debt and that this was a joint account Im not respond or this account. And Im tired of the harassment I shouldnt have to change my number in order to stop receiving calls from multiple numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: SYNCHRONY FINANCIAL
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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX, I have noticed an inquiry on my credit report that I didn't authorize. I contacted the company to aware them of the situation and they response with a letter and response stating that the inquiry will be removed no more than 60 days from all 3 credit bureaus. I've contacted the company in XXXX to check on the inquiry that's still reporting to my XXXX report as of now. Also, in XX/XX/XXXX I've contacted XXXX and they told me that they couldn't delete the inquiry because they don't see any documents from the company which I will enclose a copy in the attachments. This unauthorize inquiry has hurt my ability to apply for credit and it's been passing the XXXX period and no changes are being made to help solve my issue. 

The company violate my rights as a consumer, I didn't give this company permissible purpose to furnish my account with this inquiry and additionally I got a document from the company to have the inquiry delete. The company nor the credit bureaus or complying. 

I've submitted a complaint before and here is the complaint number ; CFPB Case XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-11
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
To date, Equifax is still furnishing unauthorized inquires on my credit report. I verified in writing and contacted alleged creditors about the unauthorized inquires on my profile. By law Equifax is to furnish 100 % accurate information and have my consent to furnish. I affirm Equifax does not have my consent to furnish any inquiries on my consumer credit report ; moreover I do not consent to my right to privacy and rights under the state and federal law being violated by Equifax. In closing Equifax recent investigation was not conducted properly, Equifax pursuit to the FDCRA and state laws are required to disclose to me the consumer who they investigated ( family and friends ) and the names of all individuals and persons that allegedly claim said inquires are factual. Without proper investigation Equifax is REQUIRED to remove all said inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There is a bogus address listing on my credit reports - I have never lived outside XXXX. There is an XXXX address listed, per my XXXX provider -when they pulled up my name.??? Help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Paypal Holdings, Inc
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Paid a friend a bill for {$300.00} through PayPal, got a notification several days later that the bank denied the payment when they tried to collect. I tried it again and also called the bank which assured me there was no problem on their end, however the same thing happened another two times. Also sat on hold for a half hour with no answer. The other day I get a letter in the mail from a collection agency for the {$300.00}. I was livid, so I contacted PayPal again because it wasn't accepting my bank account or debit card. I was finally able to request money from myself for lack of a better term to add to my negative balance and pay it off. Today I have discovered they have not only charged me for that, but they have charged me an additional payment of {$300.00}. I have filed a dispute with XXXX XXXX. I feel that somebody from PayPal needs to get back to me on this because this has been unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I bank with Chase, my employer also banks with Chase. Every pay period they manage to place a hold on my paycheck regardless of the fact that my check comes from their account and they are able to tell if funds are available ( in which our company has never had a problem ) I call almost every other week to ask to remove the hold and they promptly do and also advised that I will never receive an overdraft fee if they have placed a hold on my check as it is a result of them. Well this week they decide to reorder the way my transactions took place ( I check my account every morning ) the lower transaction was in place that morning and later in the afternoon I personally made another transaction that should n't have taken place until the following day but it did n't. I received a text a XXXX that night notifying me that my account was negative. Reality is that was my fault, I 'll take it, but what is n't is the following day the charges are reordered and I now have received a fee for the {$12.00} charge ( which was covered ) and the {$210.00} charge ( I earned that fee ) but what has really gotten me upset is that they also gave me a fee on the XX/XX/XXXX for a charge when I deposited my paycheck ( from a chase account ) in which the placed a 24 hour hold on ( which did n't bother me at the time cause I was told by a chase representative I would NEVER receive a fee for a hold placed by them ). This is now becoming excessive. I take care of a family of XXXX and do my very best to balance my money that I actually earned, and here is some bank that comes in and can take it whenever they find ways to ever so easily cheat hard working people out of the money they ACTUALLY work for. For years now the Federal Agencies have come down on the unfair practices in the mortgage industry but I 'm quite certain if maybe the FTC gave a real good look into the un-fudged records of the many banking customers they would find a plethora of unjustified fees we have been charged and we have no one here backing us up and making sure we get treated fair and just. So in the matter of 48 hours Chase bank has taken {$68.00} of {$100.00} that is unjustified and they have found a way to manipulate the system to work in their behalf and there is no real way I can fight this. I have been with this institution since XX/XX/2011 and have dealt with several fees and I will gladly swallow the ones I have earned. But I have a real big problem accepting the ones I did not. Sure I could move to another bank and close this account but the reality is all financial institutions practice the same slimy way so nothing is actually being solved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-18
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I submitted a complaint back in XXXX against XXXX XXXX XXXX who was trying to collect money for a student loan for XXXX XXXX XXXX XXXX in the amount of {$15000.00}. I opened this loan back in XX/XX/XXXX with XXXX XXXX XXXX not with the XXXX XXXX XXXX XXXX. I was paying them through American Education Services ... it was different company at first and then it changed to AES. I had been paying on this loan since XX/XX/XXXX and the loan amount never changed. I never missed a payment or been late on a payment so technically the loan has been paid in full already. I did n't stop paying on the loan until I filed bankruptcy. XXXX XXXX XXXX XXXX never appeared for the bankruptcy hearing to dispute discharging the loan. Now my credit is being hit and I have been sent to second collection XXXX XXXX XXXX XXXX since I reported XXXX XXXX to you bank in XX/XX/XXXX. XXXX XXXX XXXX has called me several times harassing me about paying the loan in the amount of {$16000.00}. The company I originally open the loan with went bankrupt and transferred my loan over. Also they do not have a signed copy of a promissory note by me because of these facts I know they I do not have to repay this loan. I fill as though my rights have been violated and would appreciate if you would assist in the matter again. I recently checked my credit report and the Loan has been closed out since I last reported the issue with you regarding the XXXX XXXX. So I am not sure why XXXX XXXX XXXX is contacting me when the loans has been closed out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: EQUIFAX, INC.
State: OH
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:
Received fraud alert on multiple identity theft monitoring services. Contacted Equifax to try and place a fraud alert and dispute incorrect data in my credit report.and was directed to XXXX website to set up an account to perform the actions listed above. After setting up the account my login credentials that I had just created never worked. I contacted Equifax for support with the problem but they seemed to have no solution other than to reset the password which never worked or to wait anywhere from 30 minutes to 2 weeks and then try again. I asked to escalate the problem with several managers who said they did escalate the problem only to find out on subsequent calls that the problem was never escalated. After a week of being unable to place the fraud alert online I had to place an additional call to Equifax to manually place the fraud alert. I tried to dispute the data manually but was told I couldn't do that. I then called back to the ( XXXX support line and asked to speak to supervisors ( XXXX, XXXX, XXXX, XXXX and XXXX ) all of which disconnected the call with me ( phone went to the company survey prior to hanging up ) at the 30 to 45 minute points in the phone calls. I still have no resolution to the problem, no real time access to my Equifax credit report data and no way to dispute the incorrect data in my credit report. I've spent at least 3 hours on the phone with Equifax with no indication that access to my data will ever be possible. Every time I called into Equifax I was required to provide most of my personnel data to representatives further exposing myself to identity theft by Equifax employees/contractors. I filed a Better Business Bureau complaint against Equifax on XX/XX/ 2020 ( Complaint ID # : XXXX ) and below is the standard answer that Equifax submits every 30 days : Please accept our apology for any inconvenience or frustration this situation has caused. We have referred your concerns to our technical department for review and handling. You will be informed of the results upon completion of their review, however please allow up to 30 days to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: EQUIFAX, INC.
State: DC
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 did not authorize the inquiries below and have done my best to resolve with the company and credit bureau. 

XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: National Mediation Services
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
This is the second time that this fake debt collectors calling and harassing me that I owe them money from a payday loan that has closed for 4 months and the XXXX XXXX XXXX and when I had went to the bank they said you owe {$470.00} and the debt collector said I owe them {$600.00} their was no contact or a letter by mail and they have called me and harrased my family so I had gave my debit card that I do n't use and they set up a payment plan for me and I told them that I ca n't afford it because I am on social security XXXX and the collectors say if I did n't pay them the will have me arrested and send me to court to get the money so I had send them {$100.00} to keep them off my back and Wednesday they have called me from all types of fake phone numbers and they call from a XXXX voip and I told them do n't call me any more because. I am paying the client myself and I got screamed at and the collector said you are sending your money in the wrong place and why? And comming to find out this XXXX bassed company National Mediation Services is a fake company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation