BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-11
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: Account information incorrect

Complaint:
I filed a Federal CFPB Complaint # XXXX against XXXX XXXX. 
This Complaint was resolved literally at XXXX XXXX  on the NEXT BUSINESS DAY ( XXXX ) by the Collection Company admitting to the CFPB that the Collection Account in question was NOT my legal responsibility, and this XXXX XXXX Account was to be PERMANENTLY DELETED from my File at ALL Credit Reporting Companies. It was ultimately ONLY DELETED from XXXX on the SAME DAY. It remains on Experian. 
This Complaint Resolution information is VERIFIABLE by CFPB Official Records, which I, XXXX XXXX XXXX, grant CFPB permission to fully release to ALL Companies/ Organizations involved in this Action. 
I have contacted Experian on multiple occasions, totaling in excess of 4 hours of telephone time, giving them the CFPB Result Information & given the lack of action by the Collection Company, trying to have Experian REMOVE the XXXX XXXX  erroneous information as was agreed to by XXXX XXXX with the CFPB. 
Experian REFUSES to do so in violation of Federal Law & Regulations. 
I was treated badly/ rudely by their employees at several levels/ offices, & finally after hours & multiple calls was referred to their Consumer Affairs Office , which did not answer my call. 
Therefore, I file this Federal Complaint, & pray for ALL Federal remedies against Experian for this Breech of Duty on their part in WILLFULLY FAILING to remove KNOWN FALSE information from my Records, & contemptuous treatment of a Consumer for questioning them for so doing. 
I also authorize Public Posting of this Complaint Information on your Official Website in the hope of enlightening other Consumers & potential Business Clients of Experian to their methods of so-called Customer Service , especially since other Credit Reporting Companies responded appropriately.

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 2019-03-30
Company: Green Mountain Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this company called XXXX XXXX is a collection company trying to collect debt is not mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Paypal Holdings, Inc
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
By way of background, Venmo allows direct linking of your Venmo account to other apps including XXXX. For at least the past year, my Venmo account has been linked to my XXXX account. 

On XX/XX/2022, an unknown individual gained access to my XXXX account and subsequently placed an order of {$31.00} at a XXXX XXXX in XXXX, Nebraska. I first learned of this when I received the text message notification confirming the order. The unknown individual changed my login information for XXXX, but I was able to confirm in Venmo that the XXXX order was charged to my Venmo account. On the same date, I called Venmo customer support to dispute the charge immediately.

Initially, the call was taken by a customer service associate. After informing the initiate of situation, the associate promptly transferred me to a member of Venmo 's dispute team. I informed the dispute associate of the situation. I informed the dispute associate that I would like to dispute the charge as I did not authorize the transaction, have no idea who accessed my account, am no way associated with that part of the country, and that it appears that the breach was limited to my grubhub account. My vemno account is connected to my XXXX  XXXX XXXX checking account as I do not deposit funds directly into my venmo account. I asked the dispute associate if I should dispute the transaction with XXXX  XXXX XXXX or if doing so would frustrate Venmo 's investigation. The dispute associate asked that I refrain from disputing with XXXX XXXX XXXX while Venmo investigates. The dispute associate informed me that Venmo would freeze my account during the investigation and would reach out to me regarding next steps. 

On XX/XX/2022, I received XXXX emails from Venmo. The first, received at XXXX EST, informed me that Venmo disconnected my Venmo from my XXXX account due to suspicious activity. The second, received at XXXX EST, informed me that my Venmo account was unfrozen and notified me that the results of my dispute would be communicated to me separately. The third, received at XXXX EST, informed me that the dispute, assigned dispute ID : XXXX XXXX was denied because the transaction was consistent with my payment history. 

At no point was I offered to submit additional information nor contacted by the dispute resolution team. Aside from this, it is unclear to me how any reasonable person could deem a transaction consistent with my payment history, but, at the same time, deem it suspicious activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
This is based on the bank that CREATED the problem by Bank of America transferring my account and balance to a NEW bank ( XXXX  ) that has failed to provide a card, and a way to access my account to pay the bill which was transferred to the new bank. I understand that XXXX is the bank that failed to do its job HOWEVER Bank of America was responsible for doing this without our agreement ( it is a joint credit card ) and putting us at risk. I will be unable to pay my bill because I don't have the card after repeated promises to that effect nor do I have access to the account OR a bill since I can not create an account without a card number and they will not provide the account number over the phone. I am very concerned what this will do to my credit rating. I have excellent credit and am beyond worried about what this will do to my credit. I always pay my bills on time and will suffer consequences out of my control that occurred by the actions of Bank of America. On the next page I will provide the account number of the card I HAD with them but the account no longer exists. I no longer exist.

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 2020-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I had about {$2400.00} on my EDD debit card. & days ago, I was going to use my card when it got declined and only had XXXX on the card. I called the bank and they said that XXXX, XXXX was debited to another account. Plus there was transactions debited on my card that I did not do. All I want is my money returned. It was close to XXXX and when I received my new card, it only had XXXX on it. They said it was money that was returned to me. How could that be if I haven't been using this card? I'm XXXX off and I want to do something about my case.

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 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. This account need to investigate and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-26
Company: Experian Information Solutions Inc.
State: MO
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXX XXXX  XXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-10-30
Company: Paypal Holdings, Inc
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hi, I trust this email finds you you well As we have mentioned before we have a problem with PayPal, they closed our account for 180 days without any reason We are a retail e-commerce store we are selling online, last week we get noticed that PayPal, limited our account for sending some documents, Like : ID card, Bank statement, Fulfilment infos ( tracking. numbers ) this is not first time we received this verification. but this time after that we have submitted all those documents then we received that our account is closed for 180 days and they dont like to refund over XXXX $ Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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. 


Account Name : XXXX XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX XXXX XXXX : Account Number:XXXX  has violated my rights. Or list of inquiries 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.

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 2022-10-18
Company: Experian Information Solutions Inc.
State: IN
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:
On XX/XX/2022 there was a fraudulent attempt to open a credit card from company XXXX XXXX XXXX to Experian credit bureau 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 2020-11-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: SC
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:
On XX/XX/2020, XXXX XXXX XXXX XXXX XXXX add a hard inquiriy on my credit report per XXXX. 
On XX/XX/2020, CITIZENS ONE AUTO FINANCE add a hard inquiriy on my credit report per XXXX. 
On XX/XX/2020, XXXX  - XXXX XXXX add a hard inquiriy on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account and update this immediately in my report : 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 2023-01-27
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: Credit inquiries on your report that you don't recognize

Complaint:
All inquiries have been made on my credit profile between dates of XXXX XX/XX/2022 I have reached out to all creditors to get information deleted and there has been no response I have provided the credit bureau XXXX proper documentation stating that the inquiries are ongoing and they need to be deleted but I have not received any response. 
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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: HSBC NORTH AMERICA HOLDINGS 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:
I asked the credit bureaus for a accurate credit report and I did a thorough investigation myself and I still had false. dates, addresses and personal information about myself. I would like for these items to be removed due to my unauthorized decisions. 

XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXXXXXX XXXX Account XXXX XXXXXXXX XXXX Unverified Account XXXX XXXXXXXX XXXX Unverified Account XXXX XXXX XXXX XXXX  Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXX Account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: FISERV INC.
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Stimulus card was sent to a old address... I was XXXX  at the time and someone from the home we sold activated the card and withdraw all my Stimulus {$1400.00}. I was just recently released from XXXX XXXXXXXX  and irs stated they sent payment to debt card .I got transcripts of withdraws and notified them I wanted to dispute the charged and I filed with the federal trade commission and with the irs About the identity theft ..Irs stated that the card company should refund ..but card company money network denies any appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: EQUIFAX, INC.
State: MA
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: Problem getting your free annual credit report

Complaint:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I requested my online credit reports from XXXX, as part of actively working on my credit profile. 

Equifax is the only one of the 3 major CRAs to consistently deny my request each time, ever though I am confident of my correct answers to all the identity verification questions, all of which I have retained for my records and have gone over. 

The most recent Equifax denial message screenshot from XX/XX/XXXX is attached, the previous ones are identical. 

The offer to request by mail is not acceptable, because my recurring requests are time-sensitive and because Equifax has shown with its XX/XX/XXXX data breach and subsequent resolution failures that it can not be trusted with highly sensitive user data, such as copies of the types of documents requested. 

No issues experienced with XX/XX/XXXX or XX/XX/XXXX at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: NC
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 tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: EQUIFAX, INC.
State: MD
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:
Account Name : XXXX XXXX XXXX XXXX OF XXXX XXXX Number : XXXX Youre reporting a later payment in XX/XX/2022 & XX/XX/2022 yet Equifax is reporting I paid on time. This is inaccurate reporting therefore please remove this off my credit report and update it to paid agreed due to my FCRA rights. In accordance with the Fair Credit reporting act this creditor has violated my rights under 15 USC 1681- section 602 states I have right to privacy, 15 USC 1681 section 604 a section 2 it also state a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Zip Co US Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I made purchases at XXXX using the Zip ( formerly Quad Pay app ), I made returns on some, and Zip continued to take installment payments out of my checking account on these already returned items. I have asked them over and over to look into this and fix it. It has been a whole run around. 
Then the representative XXXX told me over and over that, I can open up a new account if I allow them to close the current. Did so, and tried to open a new account, but the system didn't let me, I let XXXX ( Zip ) know right away, ... .. no response, totally gone. 

https : //zip.co/us Zip Pay still owes me money. 
R

Company response to consumer: Closed with explanation