BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-15
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I woke up to check my cell phone this morning around XXXX pst and noticed an email from paypal stating that XXXX ads had charged me for {$170.00} two times. I started to see what was going on, I checked my ads account and noticed 2 payments of {$170.00} had been authorized for some ads. I have TWO paypal accounts linked to my XXXX ads, one was my personal account, and the other was my business. The person seemed to have hacked my XXXX account and got access to my XXXX ads, they set up a bunch of ads to run today ( XX/XX/2021 ), luckily there were no additional charges that went through today. I had taken the steps to change all my passwords. I then proceeded to try an file a claim with paypal via both accounts immediately. They responded within a few hours stating I " authorized '' them to charge me. YES I DID AUTHORIZE XXXX ADS TO CHARGE ME FOR MY ADS, NOT A SCAMMER OR HACKER TO FRAUDULANTLY USE MY ACCOUNT FOR THEIR ADS. Today is XXXX XXXX and now I'm out {$350.00} total. 

I can provide both paypal account information if needed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-02
Company: EQUIFAX, INC.
State: RI
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 have been trying to dispute fraudulent accounts under my name with the main three credit bureaus. XXXX  and XXXX  have taken care of the issue and deleted all the accounts that do not belong to me. As of today Equifax is still reporting those accounts as mine and it is hurting me to get a mortgage loan. I have submitted multiple disputes and they keep reporting the accounts. I have sent them my police report and all the documents needed to prove my identity. However, they have not taken care of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: EQUIFAX, 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:
Collection account from XXXXXXXX XXXX XXXX should not be on my credit report. The account is in litigation. There is no evidence account was initiated for or applied for by me. Account Ownership is incorrect and fraudulent. 

Account Info : Account number XXXX Collection opened XX/XX/2020 Account type Collection XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: OH
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:
Experian 's process compared to XXXX and XXXX is burdensome and extremely slow and it will cause a delay in purchasing a home.

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 2023-07-20
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 have a court order that states the debt belongs to someone else. The court order was submitted to Experian, XXXX and XXXX and to XXXX XXXX around XX/XX/XXXX or XX/XX/XXXX detailing the court order, and who the debt belongs to. Experian, XXXX, XXXX and XXXX XXXX submitted a response stating they will not remove debt from credit despite submitting legal 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 2022-03-18
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 information incorrect

Complaint:
Fraudulent inquiries and inaccurate account information

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 2020-03-10
Company: ID Analytics, Inc.
State: OH
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 have some issues of unrecognized addresses and accounts reporting that do not belong to me. Please delete the following addressses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have a few problematic account that I have never done business with the following companies : XXXX XXXX XXXX , XXXX  XXXX XXXX  I believe that someone has used my name to open up utilities and cable in one of the fraudulent addresses above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: PENTAGON FEDERAL CREDIT UNION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Dear XXXX XXXX In this notice, I am responding to your letter dated XXXX XXXX XXXX, for an Auto Loan Application Letter # XXXX. I find it difficult to understand your decision. I would like to request an investigation of all accounts on file related to credit transactions, payment derivatives, and debt securities, on behalf of XXXX XXXX ( Including debts and credits with checking and savings account as well. ) Please find the notice attachments below. 

Please note : The letter I received from your company PENFED CREDIT UNION dated XXXX XXXX XXXX was not signed. Please send a signed letter with an actual person 's name to for validity. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My student loans have been paid in full and I requested that Transunion remove the duplicate accounts. They have completed my dispute and are now reporting my student loans as open and t hat is not correct. I had XXXX pay my loans in full and I have documentation to prove that my loans were paid in full.

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 2022-02-11
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have submitted numerous times with Experian, and sent documentation showing a collection account was paid off, and it still is reporting as otherwise on my credit. I also have asked them to remove hard inquires that should have fell off back in earlier 20221. 
They have not responded or fix the issue. My credit report is in accurate and has stopped me from getting credit.

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 2023-10-17
Company: Experian Information Solutions Inc.
State: CA
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'm disappointed by your claims & am rejecting on the basis that you lack any material fact to support your claim... Please DISPUTE THESE ACCOUNTS! Or I will be seeking a legal remedy from you. Frustration, distress, annoyance, and outright anger. These emotions stem from the painstakingly slow response and the repeated denial of my identity theft claim by your bureau. Let 's be clear ; this situation is nothing short of a nightmare. I've been grappling with unauthorized accounts and transactions, and the toll it has taken on my financial well-being and peace of mind is immeasurable. The emotional rollercoaster I've endured is beyond distressing. I demand immediate attention to my identity theft disputes. The sluggish response and repeated denials have only added to my distress and frustration. My life has been significantly affected, and it's high time you recognize the gravity of the situation. ACCOUNT : XXXX XXXX XXXX XXXX XXXXXXXX. Please delete this fraudulent account ASAP.

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 2019-01-02
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I had to submit the application over and over again I had my employer 's statement faxed in ; per the rep it was not complete and it is to qualify I had to be in an income driver program for over 2 years and I have been more than that

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I paid Chase an amount of {$2500.00} to a wrong credit card account on XX/XX/XXXX. I wrote to them middle of XXXX to get my money back. Chase wrote me back after a month on XX/XX/XXXX stating they would mail me a check. They told me it took two weeks to get my money back. As of XX/XX/XX/XX/XXXXand many follow up calls they can not give me a straight answer as when I will get my {$2500.00} back. This has caused many problems. We told them we want to get refunded right away but they told me they would a month ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: DE
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 has : - XXXX XXXX XXXX - Account # XXXX - XXXX - Account # XXXX - XXXX XXXX XXXX XXXX Account # XXXX - XXXX XXXX  - Account # XXXX - XXXXXXXX XXXX - Account # XXXX - XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX - XXXX XXXX  - Account # XXXX - XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX  - Account # XXXX - XXXX XXXX XXXX Account # XXXX - XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX - Account # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights . 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2022-06-03
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
XXXX XXXX must be deleted for inaccurate credit reporting they must report all monthly payments all monthly late payments date of last activity the months that show payments was good and the months payments were late the date of last activity and Payment Frequency must be reported the report is not accurate without this information and must be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
USAA closed my account and told me funds would be sent within 30 days. I have since contacted them multiple times and they can provide me no information regarding when the funds will be sent to me. It has been nearly 60 days and they continue to provide no information regarding fund distribution. They continue to act like they dont know what is going on with no resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Navy Federal Credit Union has made multiple errors on my account My account now is frozen for no reason

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-13
Company: Santander Consumer USA Holdings Inc.
State: CA
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 took a loan in XX/XX/XXXX. I paid the loan in full in XX/XX/XXXX. I never received a duplicate title for my vehicle. I need to donate the car. I went to the DMV to request a duplicate title and the lien has not been released. I nowmust go to an outside site that will charge me money what Santander should have already provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dear Credit Reporting Agency, I hope this letter finds you well. I am writing to dispute a 30-day late payment entry on my credit report that pertains to my charge card account with The XXXX XXXX XXXX I believe that the reporting of this late payment is inaccurate and does not reflect my payment history with The XXXX XXXX. I kindly request your assistance in rectifying this matter. 

To provide you with the necessary information, please find below the details of my account : Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Type : Charge Card Date Opened : XX/XX/XXXX Status : Paid, Closed. 
Status Updated : XX/XX/XXXX Credit Limit : {$500.00} Highest Balance : {$340.00} Payment history guide : 30 days past due as of XX/XX/XXXX I would like to bring to your attention the consumer protection law, specifically 15 U.S. Code 1666b, which states that a creditor may not treat a payment on a credit card account as late unless they have adopted reasonable procedures to ensure that each periodic statement, including the required information, is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Based on this law, it is incumbent upon creditors to follow reasonable procedures for the timely delivery of statements, ensuring that consumers have ample time to make payments without incurring late fees or negative reporting. In my case, I have never received any late payment notices or reminders, and I have a history of making payments on time. 

Therefore, I dispute the accuracy of the 30-day late payment notation in my credit report. I kindly request that you investigate this matter and rectify the reporting of this late payment to accurately reflect my payment history. The accurate status of my account should reflect that it was paid on time and in full. 

If you require any additional documentation or information to process this dispute, please inform me promptly, and I will provide it to you as soon as possible. I understand the importance of providing all necessary evidence to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: Kriya Capital, LLC
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: Account status incorrect

Complaint:
How I can fix this?? 
I have several reports I dont now why!! 
My interests is resolve anything but is to much money. 
Is posible fix my credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My information Was sold and bought illegally I was a victim of the XXXX data breach I want these items removed off of my credit report and delete it from my credit report effective immediately. I am attaching proof that XXXX has admitted that I was in fact A victim of this data breach and XXXX has done nothing Please help me delete these illegal accounts from 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 explanation
Consumer complaint received 2022-12-22
Company: EQUIFAX, INC.
State: TX
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:
Whenever I call EQUIFAX, they have a problem accessing or pulling up my credit file using my social security number. They keep telling me to mail my social security card, Drivers License, and a cover letter. I have been mailing and faxing these documents for weeks and they are not being uploaded to my profile. I finally, spoke with a Manager, XXXX XXXX ( XXXX ) at Equifax who told me that because they are unable to locate a credit file for me, they keep destroying my documents that they receive via mail and fax. I have already mailed them twice and faxed them twice and yet no one at Equifax receives those documents because those documents are being destroyed due to your department not being to pull up my credit file. However, I can login to my equifax account online and check my credit score and credit report but none of the agents at EQUIFAX can pull up my credit file using my social security number. After more 15 calls to them and spending numerous hours with them on the phone and mailing and faxing all the required documents, they are still not able to create a credit file for me due to which any application I make for a credit card gets rejected for not having any credit history. I already have an existing credit card from XXXX but Equifax has no record of that. I don't have this problem with XXXX or XXXX. Both these other agencies can authenticate and access my credit report with no problems at their end. It's only EQUIFAX that I am having problem with. When I told one of the EQUIFAX agents over the phone that both XXXX and XXXX have no problem pulling my credit file using my social security number, he told that this is a question I need to ask them as to how they are able to do that? I was appalled to hear this senseless reply. 
I can't open a dispute with them online because their online system allow me. Each time I click the File dispute option, I get the following message : '' We are temporarily unable to complete this request. Please try again later. '' How am I supposed to resolve this issue if they don't let me submit documents through their online system while destroying or shredding any documents I mail or fax them because they can not pull up or create a credit file for me using my social security number?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Experian Information Solutions 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:
I have initiated several disputes since XX/XX/XXXX to the three credit bureaus regarding an alleged charged-off account on my credit report, original creditor XXXX 's XXXX XXXX furnished by XXXX XXXX XXXX XXXX XXXX I have reached out to XXXX XX/XX/XXXX and XX/XX/XXXX, per Section 609 ( a ) ( 1 ) ( A ) to have the alleged account verified. I was informed they had no documentation of the account. They then transferred me to XXXX XXXX XXXX  whom the alleged debt was sold too and collected on for reconciliation. On XX/XX/XXXX I spoke to XXXX ID XXXX whom stated the account was closed due to me filing an identity theft report back in XXXX. Their was no documentation that could be sent to verify the account, not even statements. I then reached out to XXXX XXXX XXXX  again on XX/XX/XXXX because the credit bureaus did not do a proper investigation into getting this account deleted. Instead, their are repeatedly updating the account monthly and stating the account was " verified ''. How is it being verified if the creditor ( s ) have no documentation to prove such account according to FCRA. I was NEVER sent any documentation over the past 6 years. I had no clue of XXXX XXXX XXXX. I spoke with 2 agents on XX/XX/XXXX XXXX ID XXXX and ID XXXX which both stated the account was PAYED IN FULL and the credit bureaus did not reach out to them regarding an investigation. They alliterated to me of account under fraud investigation due to me reporting identity theft years ago. I even offered to pay % 50 of the account due to them dropping my scores over 100 points since XX/XX/XXXX and they were unwilling to take payment due to the status of account. In conclusion, the bureaus did not do a proper investigation over the course of reconciliation.

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