BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-05
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-08-13
Company: Paypal Holdings, Inc
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I had unauthorized transactions and contacted paypal at XXXX as I obtained that number from the internet. I was given the employee name of XXXX XXXX at XXXX XXXX and a paypal employer ID XXXX. My case was NOT resolved, in fact they were obviusly fradulant. Yesterday I contacted another PayPal customer service and spoke to someone that told me they never give out employee ID #. This was phone # XXXX. Unauthorized charges include {$250.00} to XXXX XXXX, {$260.00} to XXXX XXXX, XXXX XXXX  {$85.00}. Are you able to provide me with any assistance? My email is XXXX and my phone is XXXX. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: Experian Information Solutions 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:
I previously sent a dispute letters addressed to the Credit Reporting Agencies requesting that the Credit Bureaus update, correct, and remove the disputed erroneous accounts that are reporting inaccurate information on my Credit file. I have read that the Credit reporting Agencies are required to report accurate information and investigate and correct any accounts reporting erroneously. I am submitting this CFPB complaint to follow up the previous CFPB complaint I submitted 15 days ago complaining and requesting the same disputes. Also, according to the FCRA, 15USC 1681i, the Credit reporting Agencies are required to finish their investigation within 30 days and send me copies of the results of investigation. I am requesting to the Credit Bureaus to please correct and or remove the following accounts from my Credit report : 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 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 non-monetary relief
Consumer complaint received 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX {$18000.00}

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 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 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 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 2020-07-18
Company: AFNI INC.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company reported an account from XXXX on XX/XX/2020 in the amount of {$1000.00}. This collection agency is in violation of FDCPA 809 ( a ) for not providing a collection notice within 5 days after initial communication. This was not done 5 days after reporting it to the Credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
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/2016, XXXX XXXX reported that I owed a debt of {$200.00} to the credit reporting agencies ; it was reported as a collection. I can not recall whether I owe the debt or not ; I never paid it nor did I dispute it. Early XXXX of this year, I reviewed my annual credit report and realized that the XXXX XXXX collection of {$200.00} was still being reported after 7 years. I submitted a dispute to Experian requesting to have the collection removed since 7 years has expired. Instead of XXXX XXXX agreeing to have it removed, they updated the status of it from collection to charge-off causing the same debt to negatively impact and remain on my credit report for another 7 years.

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 2023-07-18
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:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items were reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Experian Information Solutions Inc.
State: MS
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:
XXXX and Experian are fraudulent are on my credit accounts XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX IN is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # 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 2023-09-21
Company: EQUIFAX, INC.
State: NV
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: DISCOVER BANK
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I placed an order on XXXX in the amount of {$120.00}. 

On XX/XX/XXXX, the tracking information showed that the delivery was signed for by XXXX XXXX, and documents obtained from the post office confirm that. This individual is not an authorized recipient for the intended delivery address, and the handwritten delivery address under the signature is substantially different than the delivery address that was provided to XXXX. ( See attachment-1 ) On XX/XX/XXXX, documents provided by XXXX supporting the validity of the charge confirm that the package was improperly re-routed to an incorrect address, and that it was signed for by XXXX XXXX ( See attachment-2 ) Because my original dispute was on the grounds that the item was not delivered, I believe that these two documents are sufficient proof that the package was not delivered to the intended recipient.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX XXXX XXXX In XXXX with the fair credit act XXXX account XXXX has violated my rights. 

15. U.S.C 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 section : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20
Company: Nelnet, 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:
Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Education Loan Balance on XX/XX/XXXX {$3300.00} Loan Amount {$3000.00} It states I was late on payments XXXX, XXXX, and XXXX of XXXX. I continued to go to school so there for I did not have to make payments yet on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: EQUIFAX, INC.
State: NJ
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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. Thank you. 
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 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX Balance : {$13000.00}, XXXX XXXX XXXXXXXX Balance : {$400.00}

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 2018-08-17
Company: DISCOVER BANK
State: AL
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:
Discover repeatedly for months lied to me and stated that my secured credit card would be reviewed and graduate to an unsecured card after being with them for 6 months. I always paid more than the minimum amount due and never paid a bill late. Everytime I spoke with a representative I received contradicting responses. Out of pure frustration of continuously receiving misleading and blatant lies from customer service representatives at Discover I decided to close out my account. I proceeded to apply and receive 2 other credit cards, one with XXXX XXXX and another with XXXX, for which I was approved with a higher spending limit than Discover and unsecured! Fast forward 3 months after I closed out my Discover account I have yet to receive my check of {$1000.00} which was secured deposit funds. I've spoke to 4 different customer service representatives before one of them thought to ask me to verify my address and realize that the apartment number was missing and therefore my check never reached me! I called again 2 days ago and was told a check was going to get re-issued, I asked if it could get expedited and was told that they would escalate to see if possible and to follow up. I called today and yet again a different story! This time I was told that I have to wait for an investigation to see if the first check was cashed before they could issue a replacement check. How FRUSTRATING! When I authorize the {$1000.00} as funding for security deposit Discover did not hesitate to withdraw funds from my account, however now that I cancelled because of misleading and poor customer service and want my money back they are taking extremely long and throwing all sorts of hurdles my way. I would never bank or apply for any services with them. I will make sure I tell ALL of my friends, family and co-workers, heck even strangers I encounter on a daily about the horrible service I received and that fact that no one I've ever spoken to has taken accountability for their company and offered a solution even close to above and beyond. I've never received such poor treatment from any company I've done business with and this is the very reason why I am appalled and in shock that they continue to receive the amount of business they do. They definitely do not put their customers first nor offer one call resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2023-09-21
Company: EQUIFAX, INC.
State: MS
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2023-09-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX XXXX XXXX XXXX  wrong billing dispute unauthorized charges were not recovered closed account due to improper investigations refusing to fix XXXX XXXX .and payments fees etcs bad deceptive business practices

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony Bank XXXX XXXX XXXX XXXX XXXX closed my account due to two rejected payments. The withdrawal attempts were made to the wrong checking account ending in XXXX on XX/XX/2019 and XX/XX/2019. I changed my primary payment method on XX/XX/2019 to checking account ending in XXXX. I received a confirmation email as well. When I brought this to the attention of customer service supervisor XXXX and XXXX on XX/XX/2019 I was told there is nothing they can do and the credit account can't be reopened. I then spoke with Operation Manager XXXX via chat on the company site and was told the same thing after offering evidence of payment method change prior to rejected payment attempts. The closing of the account has negatively affected my credit score.

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