BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-07
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My Equifax Score dropped 48 points over night without any changes I initiated to my credit file. 

Upon receiving the notification about my score drop from my free credit score apps, I immediately filed a dispute. This was XX/XX/2020. I also contacted Equifax directly via phone immediately after filing my dispute because I was unable to upload supporting documents on their website. A representative informed me I had to fax any information to update my credit file. I then faxed over an official statement from my lender stating the status of the closed account. I promptly faxed them the document with a cover letter that included my dispute number. I also included a letter of intent stating this reporting error caused me financial hardship and that I was filing a written complaint. I received an email on XX/XX/XXXX that my REINVESTIGATION has started from an non-reply email. When did the original investigation take place? What was the result? Was my complaint received? No email to respond to about my issue. On XX/XX/XXXX, I received a notification from my free credit reporting apps that my name had been updated, seemingly for no reason or purpose. Its now XX/XX/2020 and I have not received any notification from Equifax regarding my initial dispute or an acknowledgment that I filed an official complaint with the company. During this time, my Equifax credit score has not changed. Meanwhile, my XXXX  and XXXX  scores both increased because I have been working for years to repair my credit. 

Equifax not only failed to provide me notice of dispute within 30 days, they have not changed their error. Both of these matters are grounds for a lawsuit. I am trying to purchase a home and need my credit scores to be accurate for pre-approval. There has been no acknowledgement of wrongdoing or that I have filed a complaint from Equifax. I am emailing this message to the only email I can find for them hoping to get this issue solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: GA
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:
My XXXX daughter received a cryptic letter from Experian ( reference attached document, Experian Letter 1 ) dated XX/XX/2022, notifying her a " ... reinvestigation of the dispute ( s ) and/or other request ( s ) [ she ] recently submitted is now complete ... '' The letter went on to provide a lot of impersonalized instructions and other fine print, but the only explanation about the outcome of the " reinvestigation '' was the single word description : " Updated. '' Nobody claiming to represent my daughter, to my knowledge, has ever had any communication with Experian regarding a credit report dispute or similar type of action. No one in this household has had any communication with Experian on her behalf whatsoever, except to request a freeze on her credit shortly after she received her social security number, which was about four years ago. 

Experian provides absolutely no tools whatsoever for a person to receive immediate answers to questions about matters involving minors. They don't have anyone answering the phone except automated voices giving irrelevant messages. Their online access provides no resources for submitting an email or any similar communication for this type of issue. The only possible way for me to get more information was to reply with a physical letter in the mail, with enclosed copies of every possible sensitive identifying document associated with the minor in question. 

I sent Experian a letter of reply, along with all of the supporting documentation, which included a copy of their original correspondence. In my letter, I asked for an explanation for what led to their sending us this letter in the first place, and I also asked for a plain-speaking description of the " re-investigation '' they conducted and what was the " update? '' Their next reply by mail ( reference attached document, Experian Letter 2 ) contained no explanations for the above questions. It was another impersonal work of automation, suggesting " No further action is necessary, '' as if that is a sufficient response for me to feel like this baffling situation is resolved. Their letter also said their " database does not contain credit information about the minor child. '' This seems to be a direct contradiction of what was said in their first letter, but there is no acknowledgment of that contradiction, and no acknowledgment of the questions I went through great effort to ask, which required collecting and mailing copies of identity documents.

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 2021-10-20
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I did not give I C System Permissible purpose pursuant to 15 USC 1681c ( b ). I the consumer XXXX XXXX XXXX is the consumer pursuant to 15 USC 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. By furnishing this false information you have violated my consumer right pursuant to 15 usc 1692b ( 3 ). Also pursuant to 15 USC 1692c ( a ) you not allowed to contact me the consumer unless permission from the courts. Pursuant to 15 USC 1692c ( c ) cease and desist all communication through all mediums. Pursuant to 15 USC 1692d. Pursuant to 15 USC 1692e ( 2 ) ( A ) the false representation of the character amount of any debt. Pursuant to 15 usc 1692f ( 1 ) the collection of any amount of debt unless such amount is expressly authorized by the agreement creating the debt. I am not obligated to pay any debt pursuant to 18 USC 8. Also in violation of 15 USC 1692e ( 11 ) and 1692e ( 10 ). I C System has reported 3 alleged accounts on my consumer report without my permission. Even if I didn't answer to there notice. pursuant to 16 usc 1692g ( c ) failure of a consumer to dispute the validity of a debt may not be constructed by any court as an admission of liability by the consumer. So if you have to have a judge to give you permissible purpose to furnish my consumer report why are you reporting this alleged debt on my consumer report Pursuant to 15 USC 1692j. This is called breaking the law. Pursuant to 15 USC 1692k I C SYSTEM is civil liable for damages for each violation up to {$1000.00} each.

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 2022-05-05
Company: Experian Information Solutions Inc.
State: FL
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:
Consumer complaint narrative I submitted a dispute to Experian to take theArizona XXXX XXXX off of my credit report but it has been there for years. I have never lived in Arizona yet it isstill on my report. Alsohave been trying to raise my credit score in order to get a {$15000.00} XXXX XXXX loan. For over a year. Working with the XXXX After paying a collectionsaccount my XXXX XXXX score ( The only one the XXXX goesoff of ) My XXXX XXXX credit score has been barely going up. It seems like a rigged game. While my other scores the FICO XXXX and my FICO XXXX XXXX have gone up. I have5 hard inquiries 3 by theXXXX  thinking my Bank card XXXX score would eventually rise up like my other scores only needing to get up to XXXX on the Bank card XXXX it sits hopelessly at XXXXWhile my other scores beingXXXX XXXX respectively. I've also did a new FICO XXXX and I got 3 more points to my FICO XXXX but no movement on my Bank card XXXX score. Little changes happen after disputes and little is positively listed in my credit report mostly negatives. I never can reach a human being. Only recordings and talking to computers for hours after multiple calls and frustration trying to get someone explain tome how to raise theBankcard XXXX score. Experian seems to take pride in not talking to actual customers. It is horrible service and bad business practices. There are even you tubevideos trying to tell people secrets to actually talk to a human.https : XXXX I'm charged for reports that under federal law should be free. I need these credit reports so I can get this loan for my business. The reporting agencies are so vague, disrespectful, and have so many ads and other companies offering credit repair. Thank you for any help you can give me. 
Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The Credit Bureaus have failed to respond to my dispute letters and claimed that the disputed erroneous accounts are verified. Despite the countless dispute letters as well as CFPB complaints, the Credit Bureaus have failed to properly investigate the accounts and they decided to continue their erroneous reporting. I have read that under the Fair Credit Reporting Act Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$9500.00} Date Opened : XX/XX/2020 XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$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 2023-11-10
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The creditors are allowing debt collectors and hag are Unkown to me post old debt as new. After I repost it, it reappears again as a new account. I believe they are both Exquifax and XXXX are well aware of this given the many times Ive file disburse claims. Yet, the keep allowing these companys to generate new accounts with old data and post it as new. Some are well over six years, and I dont know any of these companys.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
There is some errors on my credit report Already contacted XX/XX/XXXXand sent them letters.along with a copy of my credit report, federaltradecommision report, police report, but they still refuse to correct my credit report. There is a name Address, birthdate, social security numbers, credit card account. 
I also already contacted Bank of America About the credit card, but they refuse to close the account. 
Also, I opened a IRA account with XXXX XX/XX/XXXX, a few months later they added that persons name and address to my account And have blocked my access to it. 
Contacted them on several occasions but all they tell me is that is under investigation.its being almost 3 months now! Im really concerned!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: TX
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:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XX/XX/2022 XXXX CO XX/XX/2022 XXXX DC XX/XX/2022 XXXX  XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022

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 2023-01-01
Company: Comerica
State: OH
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 customer service

Complaint:
When calling number on back of my card to check balance, It seems the number XXXX has been hijacked and they try to sell you everything from car insurance to insurance for the elderly. 
If you don't push the buttons they ask you to they hang up. 
I contacted customer service who didn't believe me for one and didn't Bother to say " hold sir, let me check that number for you. 
Noooo! The super didn't know his job. I'm back where I started " no account info. I need help proving their number was hijack. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: FinCo Services Inc DBA Current
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is a problem with the app Current, which is Current Bank, or XXXX XXXX XXXX. They lure customers in with high interest accounts, not explaining what those accounts are. I setup an account ( unknown if checking, and/or savings, or both - customer is not told ). Then, in order to get the promised interest rate of 4 %, I need to move money into Savings Pods. Savings Pods only collect the promised 4 % interest rate up until {$2000.00} ( but can be funded limitlessly ). A customer can have up to 3 Savings Pods. Thus, customers will be guided to opening 3 Savings Pods and to deposit the max {$2000.00} in each to maximize interest earned. 

I setup the 3 Savings Pods. I believe the bank is juicing their customer sign-ups- treating each Savings Pod as a new account. Investors will love that growth! The problem is, when I try to move cash out of the account via a pull from another one of my banks, my bank is telling me ( via XXXX ), that my account balance is zero at Current. The reason being my " checking '' account is technically empty, as those funds have been moved into 3 separate savings accounts, or Savings Pods. I do not have those Savings Pods ' routing and account numbers, nor was I ever told these are separate accounts with separate banking information. As a result, I can't set them up via XXXX to initiate pulls from external banks ( for faster recognition of cash transferred ). 

Now, to move cash out, I have to do an XXXX transfer to my external bank, vs using XXXX. 

This bank also lies about cash receipt of customer sent funds. I sent money from my other bank to Current, and the cash was immediately debited from my account ( since it was sent via XXXX  ). A week later - Current still says they haven't received funds. What's even more unbelievable - I sent two payments in one day from my bank. They finally received the {$1000.00}, but haven't received the {$4000.00} I sent literally minutes before. 

The bank is using customer provided cash to fund their liquidity vs them giving access to that cash. 

This bank is the shadiest bank I've ever used, and despite me finally getting my Pods setup and maxed out, I moved my cash out once I saw what they're doing. 

I can promise you they are lying to their investors and saying each customer they brought in signed up for 4 accounts total. Instead of for example, 100 new customers having 100 new checking accounts, they have 400 new accounts. This bank will cease to receive investor funding once their investors realize what they're doing, and the FDIC will be called in to make customer 's whole. I'm not waiting for this to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TMX Finance LLC
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
This is my second time trying to get some type of justice here. I recently filed a complaint against the same company, title max in XXXX Delaware regarding my issues. First off, the previous complaint I submitted was, without even my say/input, closed on their behalf? A lawyer of theirs submitted a statement back and then I have no response back? Thats not fair. 

Since this was closed, I have called title max to try and get some type of payment set up for me. Per the last lawyers statement, he stated to contact titlemax ti get my account back to normal. IVE SINCE THEN DONE SO. Ive made several phone calls and left several voicemails. I received NO response back except for a wuick 2 second call from them only for them to hang up the second I get to answer which is on the second ring. I then get voicemails, an automated voicemail at that thag says to contact them regarding my account. I find it a little ridiculous that I am getting those calls when I have been doing that for about a month now. 

Im asking for them to PLEASE CALL ME TO WORK WITH ME AND SET UP SOME TYPE OF PAYMENT PLAN! 

I expect some type of reasoning here in my favor and not a response back from someone who isnt even present in this state. On Saturday XX/XX/2022 the employee there said my account was CURRENT and I believe her name was XXXX? Forgive me if I spelled it wrong. XXXX XX/XX/2022, my account has been current which means Ive been making the payment. The manager there, XXXX told me the same thing verbally. However I am having financial issues right now due to COVID & I would like for someone to please call me instead of an automated machine. They will not repossess my car when this whole time nobody has been contacting me back. In my previous complaint, the lawyer for them said I wasnt contacting the storeWell here I am contacting them and shockingly NO RESPONSE FROM THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: MS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
THESE FRAUDULENT ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES.

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 2022-05-05
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act the Department of EducationXXXX Account XXXX XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy. 

15 US C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
A buyer purchased a digital download code from me on XXXX and paid through PayPal on XX/XX/XXXX. Code was delivered to her at XXXX on XX/XX/XXXX. Buyer redeemed code and so is no longer eligible for return. On XX/XX/XXXX, buyer filed an unauthorized transaction through PayPal. PayPal gave her the money back plus charged me {$15.00} in addition and did not return my property. 

When I filed a dispute with PayPal, they told me intangible goods are not covered by their seller 's protection policy. This is untrue. The Seller 's protection policy is located here XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and states " For intangible or digital goods : You must provide compelling evidence that the intangible item or digital good was delivered or provided as described '' I provided compelling evidence as described, including an XXXX message received from the buyer asking me to send the download code and an XXXX  message from me to the buyer sending the code. The buyer redeemed the code and had access to both her PayPal and XXXX  accounts and I should not be liable for the charges. 

When I contacted PayPal, they changed their tune, and no longer said intangible goods were not eligible. They said they couldn't do anything because the buyer 's credit card was refunded. I had no contact with the buyer 's credit card, and the whole point of the seller 's guarantee is to insure buyers can not just turn around and ask for a refund from the credit card after stealing the item from the seller. 

I would like a refund from PayPal for the charge as well as for the additional charge they're charging me. 

Case ID : XXXX Transaction ID : XXXX

Company response to consumer: Closed with monetary relief