BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-30
Company: EQUIFAX, INC.
State: IL
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:
Hello, I have 2 inquiries on my credit that I have disputed several times & have yet to be removed. The accounts are fraud & I was a victim of identity theft. The 2 accounts listed were XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2021 my PayPal account was permanently limited in which I was then unable to withdraw, send or use my PayPal Cash Balance, which is supposed to be backed by the FDIC, as I was issued a PayPal Cash Debit Mastercard. At the time the limitation was imposed, my balance totaled {$81.00} that came from a combination of 3 transactions in the amounts of {$36.00}, {$39.00} and {$5.00}. The first two transactions were directly from my family and the 3rd transaction came from a XXXX Rewards Manufacturer Rebate. A screenshot of the transactions will be listed to this complaint. After submitting the requested transaction information as well as proof of identification, PayPal began the verification process which I was told would last upwards of 5 business days. At the end of the investigation I was simply told I could no longer do business with PayPal and that was it. There was no specific reason just a computer generated response. Im hoping you can help me regain access to my account, and money, as Ive heard this has been happening much more frequently during the pandemic and PayPal should be held accountable to communicate clearly with their users on the platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2022-04-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have a motor cycle loan with fifth third bank, which was previously held by XXXX XXXX. My loan balance as shown on my statement and my account was {$2500.00}. However I was told my pay off amount was {$5600.00}, with no explanation or breakdown of fee 's. 
A vehicle loan should incorporate interest into the total payment and divide it by the life of the loan. Late fee 's where applicable was attributed to the next months payment. I do understand that there could in some instances be early pay off or fees associated with early payment, my understanding is that those typically a percentage of the remaining balance. In this case my remaining balance was {$2500.00}, which couldn't possibly justify a pay off amount of {$3000.00}. 
I have not been offered any explanation or breakdown as to what this charge is or could be, rather I have been offered a history of the loan since they acquired it approximately 2 years ago, and theoretical hypotheticals based on interest and late fee 's which make no mathematical sense. 
As of today after paying what was my remaining balance of {$2500.00} my account shows an outstanding balance of an identical XXXX, but based on the payoff amount offered today that balance would actually be {$3000.00}. 
This feels like predatory lending practices by fifth third bank charging fee 's without explanation or rationale and holding the title to my property for penalties that haven't been explained through 4 customer service calls and management escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have tried for the last four months to dispute the inaccurate late payment on my credit report. XXXX XXXX  acknowledges to me on the phone that they will remove late payment on account ending in XXXX. 
but when the credit reporting agency calls the say it was late yesterday XX/XX/XXXX I pushed until I received a letter from XXXX XXXXXXXX stating I had a XXXX balance on this above mentioned account when XXXX transition or XXXX call XXXX XXXX holds the assesed missed payment of XXXX annual fee plus interest and late fees is accurate and when I call in the dismiss me and tell me they will handle and call back in 7-10 days I have phone records from XXXX to now showing numerous calls

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 2019-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
I purchased a generator online from a vendor named " XXXX   '' on XX/XX/2019 on XXXX XXXX for {$220.00} I received an email giving an order number, XXXX, and that the order was being processed. My credit card was processed on XX/XX/XXXX with a description " XXXX ''. ( attached ) I emailed a reply on the XXXX asking what the status of my order was. The email came back unavailable. ( attached ) I became suspicious and immediately tried to find the vendor. When I couldn't I researched the vendor " XXXX '' and found a XXXX video called " IT XXXX STORE SCAM ''. It tells how they use 3 countries from a set up site to scam victims. 
The url is : XXXX : XXXX? XXXX I IMMEDIATELY disputed the charge and sent them everything I am sending you today. Capital one took the charge off on XX/XX/XXXX only to REBILL it again on XX/XX/XXXX. I called them and they AGAIN REMOVED the charge on XX/XX/XXXX! XXXX attached ). 
I had become disenchanted ( for lack of a better word ) with this company so I paid off my bill so I could close the account. They IMMEDIATELY REBILLED that same amount of {$220.00} A THIRD TIME on XX/XX/XXXX, preventing me from doing so. 

I have called them no less than 6 times during this time and have been told it was taken care of, that they would call me back if there were any issues, etc. Now they are saying time has elapsed and they are not taking the charge off after they had done so twice already. 

I have spoken to Capital One no less than 6 -8 times over this and I am at my wits end. 
I have a friend who lives 5 blocks away who bought the same generator and his card was credited 2 days later. 

This has become very frustrating!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-08
Company: The Bureaus, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
THE BUREAUS INC did not have my DIRECT consent to communicate with me. In an attempt to collect an alleged debt THE BUREAUS INC used the medium form of my consumer credit report to communicate an alleged debt to me. THE BUREAUS INC 's actions also displayed this alleged debt information to others that had access to my consumer credit report. THE BUREAUS INC disgraced and defamed my character as a consumer, by reporting this alleged debt on my consumer credit report. These actions are unfair and abusive practices, and are not in compliance with the law. THE BUREAUS INC, has not provided any lawful proof that I signed any agreement/ contract with THE BUREAUS INC that would make me liable for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: EQUIFAX, INC.
State: VA
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 am writing the CFPB once again because the last case was closed without an amicable solution when I wrote you previously, I provided an immense amount of evidence showing that the negative information that is being reported by XXXX XXXX XXXX for a creditor named XXXX XXXX with Account # : XXXX in the amount of {$320.00} is being illegally reported to my credit file that Equifax records has on my credit profile. 

Additionally, Equifax has deleted this same creditor in the past under a different investigation with the CFPB which I will also attach once again. 

Furthermore, XXXX has taken the matter of the investigation I had with them very seriously and immediately deleted the illegal records of this creditor and others on XX/XX/2020 from my credit request and I am asking Equifax to do the same. 
Please review the evidence attached. I'm in the middle of applying for a mortgage and this account this is listed on my credit report that is not mine is holding me back from being able to apply for a mortgage. 

I need to have this account remove as soon as possible as you will see that XXXX  took this matter seriously and deleted this account and others quickly because they're not mine. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the XXXX Please govern yourself accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX {$300.00} limit, paid on this account through out the years before learning my rights pursuant 15 USC 1692g I am the original creditor, my personal information, and account information was sold to XXXX XXXX XXXX XXXX XXXX XXXX without my consent or permission. Capital One has violated as a federally protected consumer under 15 USC 1692 & 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I notified XXXX and TransUnion on XX/XX/2023 and informed them both I did not provide written permission to report the following account on my credit report, this account is a result of fraud : XXXX XXXX XXXX. I requested both XXXX and TransUnion to block and delete this account from my credit report within 4 business days. XXXX and TransUnion are in violation of FCRA 15 USC 1681b ( 2 ), as well as FCRA 15 USC 1681c-2. XXXX and TransUnion are continuing to report this account which constitutes a violation of FCRA 15 USC 1681n which is willful non-compliance.

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 2023-04-03
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:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


IDENTITY THEFT ACCOUNTS : XXXX XXXX XXXXXXXX # XXXX - IDENTITY THEFT XXXX XXXXXXXX # XXXX - IDENTITY THEFT UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/2021 Equifax 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Square Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Made a transaction on a mistake to the wrong person. The company has refused to proved a refund are investigation request in violation of the Fair Credit Billing Act. Please consider this notice also as a : NOTICE FOR DEMAND OF ARBITRATION TO : Square, Inc. % Cash App, XXXX XXXX XXXX, XXXX XXXX, California XXXX ATTN : General Counsel To the company, although this is not a certified letter request this is sufficient due process notice of my intent to either seek arbitration are file a complaint in federal court are some other legal remedy if this issue can not be resolved. Thank you and have a great day. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: R.M. Galicia, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi there! 

My name is XXXX XXXX and I am a XXXX XXXX XXXX XXXX living in both XXXX XXXX XXXX XXXX XXXX XXXX On a recent credit report of mine, a collection account appeared claiming I owed XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$1900.00} for an XXXX  visit last XXXX. I was baffled for several reasons. 

1. Health insurance companies MUST cover a reasonable portion of the bill by law for any type of XXXX service regardless of whether or not the facility is in network. This includes hospitals, XXXX XXXX XXXX XXXX  etc. This is part of the No Surprise Act of 2022 and is a Federal mandate. 

2. My insurance company informed me that they were dealing with this bill and the reason for the delay was that the hospital sent a NON EXISTENT DIAGNOSIS CODE with the bill. My insurance company reached out to them for the correct number. They NEVER RESPONDED to their call. 

3. At the time of service I signed a form that stated my maximum out of pocket for the visit would be {$500.00}. 

Since this all started I have been speaking to the Collections and Risk departments in both the corporate headquarters for XXXX XXXX XXXX XXXX XXXX XXXX. BOTH departments assured me that there WAS an error on their part and they they would be immediately recalling the collection to have the bill paid by insurance as they are legally bound to do. 

I then called the debt collector. XXXX XXXX XXXX AND sent a letter to it's president XXXX XXXX requesting that they contact their client and I can only assume this did not happen as the amount of this collection has INCREASED since my contact with them from {$1900.00} to {$2000.00}. This increase, I see as a personal swipe at me for daring to contest their ability to collect money they have no right to. 

I a sending you this letter requesting that you please speak to the parties involved. This would be : 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, who are both reporting this debt which is NOT a legal debt as it was for an XXXX  visit which is prohibited by the No Surprise Act. 

This is causing great personal and emotional grief for me and for my family. We were supposed to be purchasing a new home and the collection caused the bank to pull the loan at the last moment. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I live in XXXX Florida that was affected by hurricane Dorian. My area was declared a state of emergency by our governor at that time. Because of that storm, our central air conditioning unit in our house stopped working due to high winds. The unit could not be repaired. So, we had to purchase an entire new system for {$3900.00}. This took all of our money. I am on permanent social security XXXX. My wife is too as she has XXXX. Therefore, we had no other choice for health reasons to have the new system installed. This predicament caused me to miss a payment on my XXXX XXXX card. In anticipation of this, I called XXXX XXXX right after the hurricane and explained my circumstances and that I would be able to continue paying again in XXXX. I was assured by their customer service agent over and over again that I had nothing to worry about and that my credit score would not be affected by any late payment reporting. Lo and behold, when I recently went to check my credit score, it went down 30 points. XXXX XXXX lied to me and reported me as being late anyway.

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 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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