BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-16
Company: Experian Information Solutions Inc.
State: NY
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:
Reporting an open collection account when they do not own the debt.

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 2021-05-20
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company XXXX XXXX ( Original Creditor : XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$200.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
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: Information belongs to someone else

Complaint:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: NC
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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: Paypal Holdings, Inc
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XX/XX/2023 {$640.00} Purchase XXXX XXXX XXXX ; XXXX GB, XXXX and Unlocked I tried to email PayPal ; to no avail I called PayPal support number ; XXXX. XXXX. Tried to access my laptop. 

XXXX to : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( obviously not me ...!!! )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
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: Investigation took more than 30 days

Complaint:
On XX/XX/2023 I mailed Experian and XXXX credit bureaus about investigating and removing unfamiliar accounts on my credit file. The letter sent requested a response within 30 days. I have not gotten a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
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: Information belongs to someone else

Complaint:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 XXXXXXXX 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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2022 While at a XXXX Bank branch in XXXX Florida we discovered a personal loan of {$6400.00} in an account in my name in XXXX XXXX XXXX FL with XXXX XXXX XXXX XXXX 

My Credit Score drop from XXXX to XXXX because XXXX failed to verify the proper identity of the loan 's owner. The owner failed to make any payments on their obligations. XXXX is a loan agency based in California. The XXXX bank agent informed us that the account was in my name and used my SSN. The bank agent told us that the phone, mailing, and email addresses were not the same as our contact information. 

XX/XX/2022 I created a new email address ( XXXX ) and reached out to the XXXX Customer Complaint email address ( XXXX ) and demanded that they correct their error. 

I received a reply fairly quickly on XX/XX/2022. 

I found out the unauthorized XXXX account was created on XX/XX/2022 with account # XXXX using my name. This information was posted on XXXX XXXX, XXXX, XXXX, and TransUnion. 

XX/XX/2022 I received an email from an unknown person at XXXX stating they filed the proper paperwork and will follow up as soon as possible. 
I replied thanking them for their fast reply but feel the message from XXXX was auto-generated. 

XX/XX/2022 My research with the various credit bureaus yielded additional information which I provided to the XXXX complaints email. Not a single individual has yet to reply to me from XXXX. 

XXXX XXXX Received another anonymous reply from XXXX but was not provided a case number nor any indication of urgency. 

The unknown person stated, " We are sorry to hear about the trouble that you recently experienced with us. Our Customer Experience Department is still looking into it and will follow up as soon as possible. '' Sincerely, Customer Service XXXX XX/XX/2022 ( today ) I filed a complaint with the Federal Trade Commission ( FTC ) and the CFPB against XXXX XXXX for their part in identity theft. 

Soon we will report this to local enforcement as recommended by numerous agencies including 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 2021-05-20
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2021 I sent letters to the bureaus regarding inaccuracies and unverified accounts on my credit report. Its 30 days later and I have not received a response. Section 611 ( a ), states that a failure to investigate and no response within 30 days gives reason for these inaccuracies to be removed and deleted immediately off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: FL
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:
Between XXXX my information was wrongfully stolen, obtained, and used to fraudulently open, checking and savings accounts, multiple banking institutions, which I will provide below 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. Personal information : Wrong name Variations ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE ONLY CORRECT NAME IS XXXX XXXX XXXX Other incorrect personal information are wrong. Also phone numbers ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or any other phone numbers are wrong. the only correct phone number is XXXX XXXX XXXX XXXX WRONG OR INCORRECT PERSONAL INFORMATION ARE the following addresses ; 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. 

The following accounts are also fraudulent and need to be removed off my credit reports ASAP ( Collection account ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Capital One has sent a late payment notice in XXXX or XXXX. This is false information and I demand it be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: JPMORGAN CHASE & CO.
State: IN
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:
XX/XX/2023 ( around XXXX EST ) I received a phone call which my phone identified as CHASE FREEDOM ( XXXX ). I answered it and the man began telling me that there was suspicious activity on my credit card. Being a suspicious person, I checked for a phone number on the back of my credit card and it matched with the number that was calling me. The man proceeds to continue to ask me about purchases claiming he worked with Chase 's fraud department. Over the course of the conversation his questions became increasingly suspicious ( do you bank with chase 's mobile app, what is your social security number for verification purposes, etc. ). Eventually he asked me about my bank account that I frequently use to pay my credit card. I told him I would not discuss this with him and would be talking to a XXXX employee about this. He attempted to assure me that this is normal procedure and read back to me my full name, my full social security number, my full phone number, and my address, as well as an incorrect email address ( XXXX ). I informed him that this was unnerving and he began to transfer me to a " XXXX '' employee ( pronouncing the bank incorrectly with a " t '' multiple times. ) I again checked the back of my XXXX debit card and the number I was transferred to matched. A new man asked me fake security questions like my mother 's maiden name. I mistakenly answered these. Then he began asking me for my username for the " XXXX  '' mobile app. Then he asked me what my balance was. I told him if he truly worked for XXXX then he would have access to that information and told him I would not be revealing this to him. I then asked him if he could just put a freeze on my debit card and issue me a new one. He refused stating it was " unnecessary. '' At this point I told him I believed this was fraud and hung up. They attempted to call me back 6 times from the number XXXX ( which matches XXXX 's real number ). Then I called XXXX and Chase myself and with the help of the real representatives we locked my accounts. The Chase representative informed me that a few of my purchases were fraud and multiple digital wallets had been opened using my credit card. The XXXX representative informed me that during our phone call, there were a few attempted purchases from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: USCB, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have XXXX XXXX  XXXX has not sent me a statement regarding my claim for a XXXX I have provided all insurance information at time of service. XXXX  does this all the time including a visit for my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: EQUIFAX, 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:
My name is XXXX XXXX. I am in the process of applying for a mortgage with XXXX XXXX. Equifax has mistakenly mixed up my brother XXXX XXXX credit report information with mine. As a result, my brothers 2 mortgage accounts 1 ) XXXX XXXX XXXX  with balance {$950000.00} and 2 ) XXXX XXXX XXXX with balance {$290000.00} were included on my credit report. Within the past 2 weeks, we have contacted Equifax more than 6 times. They claimed that the problem was fixed and these 2 mortgages are no longer on my account. However, when I tried to run my credit report on Equifax.com ( XXXX, XX/XX/XXXX, XX/XX/XXXX ) all these 3 reports are still showing my brothers 2 mortgages. The system still identified me as XXXX XXXX with my brothers date of birth, last 4 digits of SSN, current and former address. 
Equifax has sent me a copy of my report dated XX/XX/XXXX ( confirmation # XXXX ). Although the information on this report is correct, my concern is the 3 reports that I pulled on the Equifax portal after XXXX are still showing the errors. 
Equifax is unable to explain the discrepancies. When my lender pulled my combined credit report via XXXX on XX/XX/XXXX, it is still indicating that Equifax is reporting my brothers mortgages on my report. The XXXX Report also indicates that I am AKA XXXX XXXX ( the 2 of us with DOB 6 years apart! ) This has severely jeopardized my underwriting process. 
I have also filed 2 online disputes based on the above incorrect information at Equifax.com. Confirmation # XXXX and # XXXX. Initially, I was able to track the progress but these disputes suddenly disappeared from my online profile 2 days ago. I tried to file new dispute based on the incorrect data on XX/XX/XXXX but the system did not allow me to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
We submitted disputes with all 3 credit bureaus for a collection account XXXX funding that was not responding and double reported the debt for XXXX XXXX. XXXX  XXXX bank was paid off but XXXX funding is still showing a balance even after our disputes began XXXX. 

The bureaus stated that they verified the information ...? how is this possible when the company hasn't verified with us the debtor. 

Please help us get this resolved. Attached is the letters we sent XX/XX/21

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 2023-02-02
Company: NAVY FEDERAL CREDIT UNION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX Navy Federal took {$1500.00} from my checking account which is a joint account with my husband and took {$830.00} from another checking account in spite of this auto loan # XXXX, being in dispute. This auto loan was in dispute since XX/XX/2022. Navy Federal 's response was that the account was validated but according to federal law, just stating an account being validated does not determine that it is, pursuant to 15 U.S.C 1692g. Also, Pursuant to 15 U.S.C 1692g, when an account is in dispute Navy Federal must stop collection until the information that's required has been sent. I called navy federal numerous times just to be transferred to the collection department and the fraud department and nobody can get me an answer, some tried to tell me to consult with an attorney even though they are clearly in violation. Because of this action, I have not been able to pay my personal bills or supply things for my home. This is defamation of character and unfair and abusive debt collection practices by Navy Federal. This account is still in litigation and the Navy Federal has yet to notate in their systems or contact the credit agencies about the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I received the email below from Capital One. Not only is it deceitful in making it sound like there is a requirement that they report to credit bureaus, but they are threatening to report auto loans as delinquent if not paid within 30 days of the due date. Colorado has just extended the stay at home order and XXXX people filed for unemployment in two days. We are at the mercy of a system that is so overloaded right now that many of us don't know how we are going to buy food in 2 weeks. I'm not sure why Capital One feels the need to threaten collection reporting right now and I believe it violates portions of the CARES Act. ( As lenders continue to offer struggling borrowers payment accommodations, Congress last week passed the CARES Act. The Act requires lenders to report to credit bureaus that consumers are current on their loans if consumers have sought relief from their lenders due to the pandemic. The Bureaus statement informs lenders they must comply with the CARES Act. ) I was doing OK with this crisis until I received this email. My choices right now are to continue to comply with an Executive Order to stay  home and have my credit destroyed by Capital one or defy the order and go back to work so they can have their money. Please help! 

Email from Capital One : Credit Bureau Reporting Capital One is required to report a customers monthly account status fairly and accurately to the credit bureaus. We understand that some of you may need additional time to make your payment during this difficult situation. As a result of the COVID19 situation, your payments wont be reported as derogatory to the credit bureaus until theyre 30 or more days past due. If youre able to make your payment before it is 30 or more days past due, you wont be reported as derogatory to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with fair credit reporting act XXXX account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 

XXXX XXXXXXXX Original creditor : Balance details 0 % of this account is paid off Balance on XX/XX/XXXX {$300.00} Original balance {$300.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Comments No Comments Statements No Statements Contact info Name XXXX XXXX Address XXXX XXXX XXXX XXXX, GA 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