BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-01
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: Information belongs to someone else

Complaint:
FCRA violations : inquires not mine XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX  XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$270.00} Status Account charged off. {$270.00} written off. {$270.00} past due as of XX/XX/XXXX. 
XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$4200.00} Status Account charged off. {$4200.00} written off. {$4200.00} past due as of XX/XX/XXXX. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$4300.00} Status Collection account. {$4300.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$5300.00} Status Collection account. {$5300.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$5400.00} Status Collection account. {$5400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX   Potentially negative Date opened XX/XX/XXXX Balance {$2000.00} Status Collection account. {$2000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$2000.00} Status Collection account. {$2.00}, FCRA violations : payments never late XXXXXXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 

FCRA violations : not my names XXXX XXXXXXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXy XXXX XXXX XXXX TX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Dear CFPB : I received a NOTICE OF DATA BREACH from Capital One dated XX/XX/2019. 

On XX/XX/2019, Capital One learned there was a data breach and unauthorized access of its systems and customers personal identifiable information. In the letter, Capital One noted that my Social Security was one of 140,000 numbers stolen because of Capital Ones faulty security systems : In addition, for a subset of these consumers, about 140,000 Social Security numbers and 80,000 linked bank account numbers were obtained. We are sorry that your Social Security number was one of the 140,000 obtained. 

Capital One offered two years of credit monitoring and identity protection with XXXX. This compensation is not commensurate with the damage done. My Social Security is now, forever, in the hands of a party that should not have it. This is permanent, irreparable damage. 

As such, on XX/XX/2019 I called Capital One, the number on the NOTICE OF DATA BREACH ( XXXX ) to learn what recourse I had to obtain additional compensation. The customer support agent indicated she could not offer additional compensation, that whatever the NOTICE OF DATA BREACH stated was the only compensation Capital One could offer ( that is, the two years of credit monitoring and identity protection with XXXX ). 

I asked to speak with a supervisor. The customer support agent escalated the issue to her supervisor. 

The supervisor called me back a few minutes later. And I asked what recourse I had to obtain additional compensation because the two years of credit monitoring and identity protection with XXXX is grossly inadequate. 

The supervisor reiterated the same as the previous customer support agent, that she could not offer additional compensation. And suggested that Capital One is working on it, that there might be additional compensation down the line, and that Capital One will be in touch with me. 

I asked to file a formal complaint through Capital Ones complaint system. The supervisor confirmed she filed a Tier 2 complaint. The complaint being : My personal identifiable information was stolen from Capital Ones systems, including my Social Security number, due to Capital Ones weak security systems And that Capital Ones offered compensation for this data breach is not sufficient. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
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: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2022-07-10
Company: Experian Information Solutions Inc.
State: GA
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 act XXXX  Account : XXXX, XXXX, XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 2019-09-01
Company: Incomm Holdings Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I had activated a card on XX/XX/2019. My wallet was stolen, and took some time for me to get it back ( after filing a police report. 
Once I got the card, I noticed it expired XX/XX/2019. That is 6 months after being given the card. It has a {$210.00} balance. I tried using the card XX/XX/2019. 1 day after expiration. I looked at CFPB and it stipulates these cards must be good for 5 years. This is 5 months time passing between receiving card, and so called expiration. I called the company and asked for a settlement, or a replacement card. They said no. They have literally taken {$210.00} from me, 5 months after it was issued, a new dad who can not afford to have {$210.00} just stolen away!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: NC
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-01
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: Credit inquiries on your report that you don't recognize

Complaint:
There is a hard inquiry on my XXXX report from Syncb, says its for a national credit card/Airline. I do not recognize this inquiry, and XXXX XXXX doesnt have a dispute option to remove it.

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 2022-11-14
Company: EQUIFAX, 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

I submitted a letter to the XXXX and Equifax Credit Burea XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again, 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 Equifax 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 a my file at XXXX and Equifax 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. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XXXX Balance : {$24000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX XXXX. I was checking my consumer credit reports and discovered my credit score dropped XXXX points. I checked further and noticed a company called Transworld Systems 1. on my report for {$200.00}. I have no knowledge of this alleged debt or company and the company is supposed to send a document, mail, proof of some sorts for me to dispute this debt. I have not received nothing, and for it just to show up on my reports is not right as the consumer. My credit took a hit for nothing, company did not do their part. 
I sent them a certified letter which they should be received XXXX XX/XX/2022 as a matter fact. Sharing how they violated me. I will be fighting this and I also shared, I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
On XX/XX/XXXX I XXXX  customer service phone number for PayPal.I called number XXXX and a man identified himself as a PayPal representative. I told him I had an ongoing issue by with hackers in all my accounts. I thought I had closed everything down and opened a new one. My daughter sent XXXX XXXX  which I never got., about XXXX months ago, my son did a test run by sendinXXXX XXXX XXXX to my account... never got it. We finally started using email address instead of user name.now it works but this guy who called himself XXXX said he needed access to my phone because it had been hacked and he needed to verify me. I had to put in a code, he wanted me to open a cash app account, put XXXXXXXX XXXX cash in the bank and buy XXXX.Then he could give me the XXXX . He also gave me this Number : XXXX and had me add him to my contacts.i stupidly did but I hung up quickly did a factory data reset.cancelled my checking account, changed a bunch of passwords ... etc. I called his number later and it said the XXXX subscriber you want is not available. I tried calling and texting XXXX and pay pal. Nobody gives a hoot.They could care less. So someone has my XXXXXXXX XXXX and probably my info and I'm really upset.This world sucks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Back in XXXX - XXXX I attended XXXX XXXX, got XXXX n never went back. Sallie Mae begin calling n mailing payment letters, ( filing a complaint due to the fact my information was forwarded to Navient without my consent or a signed " HIPPA '' ink document. it was address that I have became " XXXX '' in XXXX of XXXX. I was mailed out documents for my doctor to fill out regarding my medical conditions & to get approved for " THE STUDENT FORGIVENESS PROGRAM '' so the student loans would be taken off my credit report with XXXX XXXX XXXX immediately. The documents were faxed and mailed back three times, I was denied. Started receiving threatening phone calls from SALLIE MAE. Then, I tried to consolidate by paying low monthly payments n was " LIED '' to and denied again. The agree was based on my monthly income " XXXX '' that I pay {$65.00} a month, the bill statement would read and I quote : Pass Due amount is {$460.00}. XXXX, + {$380.00} + {$340.00}, on my credit report right now there four different payment amounts they supposely were expecting me to pay. When I addressed in the very beginning and I " QUOTE '' I no longer work, I am now on " XXXX '' and still is to this month/date/year. At one point SallieMae n Navient were taken off my credit report for two months, the following month it was back again. When I know that after 180 days my school debt was already paid and bought by an outsider insurance ; but I am still suppose to pay them approximately close to {$30000.00} in full to them ( SALLIEMAE/NAVIENT. ) I tried to solidate with both and was ignored, direspected, wasn't given proper advice, no good communication, was mislead plus all thee above. Now at this very moment, now I am getting text messafes, harassing phone calls and e-mails coming from Navien. I even tried to dipute both Sallie Mae and Navient with the Credit Bureau and no good news period. All of this is a violation under the " HIPPA ACT '' under the CFPR Act and the CONSTIRUTIONAL LAWS. I am very frustrated right about now. Nobody wants to send me proof of any signed documents with my ink signature on anything I've requested of them or from them. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Goal Structured Solutions, LLC
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:
This complaint is directed against three companies listed below, - Stilt ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX ) - XXXX - XXXX Both of my credit reports with XXXX and XXXX currently include a personal loan with XXXX. In both cases, the last update was received in XX/XX/XXXX. The account shows in both cases as paid on time and open. This is incorrect in two ways. Firstly, payments were made on time in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX has not reported those payments to any credit bureau as of XX/XX/XXXX. Secondly, on XX/XX/XXXX, XXXX sent me an email detailing that servicing would be transferred to XXXX XXXX on XX/XX/XXXX. This email is attached. 

In XX/XX/XXXX, I began making payments to XXXX XXXX and that company has correctly reported those payments XXXX and XXXX ( not XXXX ). As a result, my XXXX report incorrectly shows me as having an open personal loan with XXXX and an open personal loan with XXXX XXXX. My XXXX report shows me as having an open loan with XXXX. 

In XX/XX/XXXX, I opened disputes with both XXXX and XXXX, detailing the above information. Both companies claimed to have conducted investigations and both found that my dispute was not merited. They both certified that my credit reports are accurate and that XXXX had verified that the information is correct. This is simply not true and contradicts the email that XXXX sent me in XX/XX/XXXX. 

It is the case that either XXXX has not provided a truthful response to XXXX and XXXX and/or that both of these credit bureaus did not conduct a bona fide investigation. In particular, how could either of these two credit bureaus be satisfied that the information is accurate? If indeed my account with XXXX is open and paid on time, how could it concurrently be the case that no payments have been reported since XX/XX/XXXX? This is contradictory and suggests that XXXX and XXXX did not perform a good-faith investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: DISCOVER BANK
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Account name DISCOVER BANK Date opened XX/XX/2016 Balance - {$750.00} Account name XXXX  Date opened XX/XX/2016 Balance {$150.00} To express my deep concern and frustration regarding the continued presence of a fraudulent & inaccurate information on my credit consumer report. These accounts were made without my consent or authorization and has caused significant harm to my financial reputation. Despite my persistent efforts to rectify the situation, including MULTIPLE disputes, filing a police report, and submitting an identity theft report, the fraudulent charges has not been removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX 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 2019-07-31
Company: MARINER FINANCE, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized credit inquiry by Mariner Finance on XX/XX/2019 Unauthorized credit inquiry by Mariner Finance in XX/XX/2019 I have no business with the above company and have not tried obtaining any loans or so lately

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 2023-09-16
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
Paypal allowed me to transfer money from my banking account into my Paypal wallet on XX/XX/XXXX, but refuses to let me withdraw that money, even though it was an accident to transfer the money into the account. 

Paypal claims my account needs more information, yet that clearly did not stop them from accepting the transfer into the account. I just want my money back in the original account that initiated the transfer. 

After reaching out to Paypal on XX/XX/XXXX, asking for a refund of the transfer, the customer support agent informed me I needed to wait XXXX  months for the money to be returned. I did not receive the money then and still have not received it back, it is still in my digital wallet. 

Of course, the message center did not store the historic communications and seemingly only recently expanded their retention policy to 3 years starting XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief