BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-30
Company: Experian Information Solutions Inc.
State: FL
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: Problem with product or service terms changing

Complaint:
The accounts were opened as part of a promotional offer with no interest and payments are evenly divided over the next four years. I was given my credit limits and that was that. There was no mention that while paying down my balance, my credit limit would be reduced. No information was provided to me about my credit score being checked. None of that information was included in any of the paperwork I received. In three months, XXXX XXXX decided to revise my statement and reduce my credit stating that I was taking too long to pay off my balance. I am paying as scheduled. Furthermore, the letter stated that they reviewed my credit file, which I did not authorize. This resulted in a drop in my credit score, as well as an increase in my Credit Card Utilization rate, as XXXX XXXX  adjusted my account to appear as if I had maxed out my credit card, which was not the case. This is unacceptable and is negatively impacting my credit score. I request that both accounts be increased back to the original credit limit agreed upon with XXXX XXXX XXXX  and 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 2022-05-25
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:
I called Equifax after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were Accounts : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking these accounts is inadvertently resulting in me being extorted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Back on XX/XX/XXXX I disputed a company called XXXX XXXX which was on my Transunion credit report twice for XXXX ( totaling XXXX ). My case number with Transunion is XXXX. Once I submitted the claim it stated that I needed to mail in the information, which I did a week later. A week after that the items were removed. The first week of XXXX I checked my credit report again, and one of the XXXX XXXX came back on my report for {$150.00} and it shows as a new account. I provided proof to Transunion that this item was paid directly to XXXX XXXX in the amount of XXXX back in XXXX  to all the credit bureaus. I attempted to resubmit another dispute which the online system would not allow and to contact Transunion because I am in the middle of the mortgage process and this is causing swings in my credit score. I have not received a response from Transunion. I also contacted XXXX XXXX via email but never received a response. This was done back in XXXX as well.

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 2023-10-29
Company: EQUIFAX, INC.
State: TX
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 have reached out to Equifax in regards to an account listed on my credit report requesting validation that this debt is in fact mine as I am a victim of identity theft and don't recognize the debt nor did I do business with the company. The company is XXXX with Account number XXXX. Equifax claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to Equifax seeking proof of this debt : Equifax XX/XX/2023, XX/XX/2023, XX/XX/2023, XXXX and XX/XX/2023. Equifax continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. The XXXX with a balance of {$0.00}. 


15 u.s code 1681 a ( 2b ) The information that is on my credit report is inaccurate and I did not give any permission to any agency to report anything on my credit file.18 u.s code states anyone who is knowingly producing an identification, or false documentation to defraud as in result this is identity theft.18 u.s code 1028 ( a ) and I have no Knowledge of the alleged debt and no knowledge of the collection accounts

Company response to consumer: In progress
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
INQUIRY
-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

THESE PERSONAL INFORMATION IS INCORRECT:

-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2018-07-24
Company: PNC Bank N.A.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I believe this is a reprisal from another complaint I file with you concern PNC bank and was refunded only two payments taken from a closed account. complaint # XXXX on XX/XX/2018. Now I have to deal with this matter from PNC.

I had a PNC credit card, which I paid in full and received a PNC letter of a XXXX balance, after paying this on XX/XX/2018 and just close my PNC bank account in early XX/XX/2018. I received a two months late payment notice on a closed credit card account. I called two different individuals and I was told that XX/XX/XXXX interest need to be paid for advance payment. I had stop using that credit card and PNC bank had from XX/XX/XXXX to XX/XX/2018 when I paid in full to include that interest. How can this be when I called for a pay off amount and then called back to pay it off two months later, meaning of {$48.00} should have been applied. Now, I am concern about late fees for two months and reporting to the Credit Bureaus. I believe PNC wants approximately {$90.00} from me. The PNC Letter I received stated the following : XX/XX/2018 As you requested, on XX/XX/2018 we closed your PNC Credit Card account. The following is current balance and payment information about your account.

Current balance : {$0.00} Account balance on your last statement : {$4700.00} Amount of the last payment we received {$5600.00} Date last payment posted : XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, 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 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 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 2023-05-12
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: Investigation took more than 30 days

Complaint:
In reviewing my credit report on XX/XX/23, it was noted that an account I have disputed as " not mine '' is still reporting after disputing this information with EXPERIAN. Experian has not provided proof of ownership of this account and continue to report this inaccurate information damaging my credit worthiness. I am requesting the proper verification and accuracy of this account.

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 2023-10-01
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't 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 explanation
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX XXXX acct. num. XXXX XXXX XXXX acct. num. XXXX amount {$2800.00} XXXX XXXX acct. num. XXXX amount {$420.00} date XX/XX/XXXX XXXX  acct. num. XXXX amount {$860.00} date XX/XX/XXXXXXXX XXXX acct. num. XXXX amount {$750.00} date XX/XX/XXXX XXXX XXXX acct. num. XXXX amount {$100.00} XXXX acct. num. XXXX amount {$11000.00} XXXX XXXX  acct. num. XXXX amount {$690.00} date XX/XX/XXXX XXXX XXXX XXXX XXXX amount {$14000.00} date XX/XX/XXXX XXXX XXXX XXXX acct. num. XXXX amount date {$2300.00} XXXX XXXX acct. num. XXXX amount {$350.00} date XX/XX/XXXX XXXX acct. num. XXXX amount {$22000.00} date XX/XX/XXXX XXXX acct. num. XXXX amount {$10000.00} date XX/XX/XXXX XXXX acct. num. XXXX amount {$710.00} date XX/XX/XXXXXXXX XXXX  acct. num. XXXX amount {$180.00} XXXX acct. num. XXXX amount {$790.00} XXXX acct. num. XXXX amount {$440.00} XXXX XXXX acct. num. XXXX amount {$340.00} XXXX acct. num. XXXX amount {$440.00} 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.

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 have reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
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/2021, I received unauthorized transactions alerts to my Bank Of America ( BOA ) Business account ending XXXX. Immediately upon verifying the transaction I froze my account and contacted BOA. I was told that there would be an investigation and to give them up to 45 days to resolve. Within hours my claim number XXXX amounting {$1400.00} was denied. At the same time of denial I had been intouch with XXXX since from my bank statements I could see somehow thats how the fraud occurred. XXXX after a short investigation had verified the transactions to be FRAUDULENT and assured me once Bank Of America contacted them ; my funds would be reversed. However after numerous attempts of explaining and even giving documentation to BOA ; I was only insulted in writing and over the phone. One representative went as far as accusing me of purchasing XXXX since that was one of the transactions according to him .On average I deposit as much as XXXX XXXX into my account which is supposed to be insured. However in this case BOA only need to contact XXXX and refuse to do so.Please Help

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 2022-12-15
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Navy Federal credit union has displayed XXXX XXXX XXXX discriminatory acts against me as a consumer and withheld access to my account doing so. This is disgusting & intolerable as I have all 7 recored calls of which I was deliberately hung up on for no reason whatsoever with disrespect and discrimination. Navy Federal has broken several federal violations and someone needs to be held accountable immediately On XX/XX/22 I contacted Navy Federal credit Union because I had no account access I then spoke to a representative who informed me that I would have to speak to a specialist due to my account having suspicious activity when I had not been notified by navy Federal credit union that there was any suspicious activity being done on my account, and she stated that there would be a 7min hold to speak to a specialist to assist me with this and I ended up being on hold for over 3 hours. When the specialist then came on the line she was very rude and disrespectful and did not resolve the issue at all and ended the call for no reason. I then had to call back and speak to another customer service rep who initially then tried to tell me that the last agent that I spoke with did not hang up one me, when she in-fact did hang up on me and tried to send back over and put me on another 3 hour hold without addressing the issue at hand so I asked to speak to a supervisor and the supervisor did not address the issue what so ever and hung up on me. I then had to call back for the third time only for them to hang up on me for absolutely no valid reason without resolving the issue. I feel as if I am being discriminated against because Navy Federal would not have treated their other customers in this manner. I have been in contact with the Navy Federal credit Union XXXX XXXX as well as XXXX XXXX XXXX to inform them what has been done to me. I still do not have any access to my account and am currently with out funds due to this

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 2022-05-25
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:
I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business and transaction for my XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.

For Identity verification, I attached my Valid ID. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
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: Account status incorrect

Complaint:
I refinanced my house and took out equity to pay off debt. A check was issued from XXXX XXXX XXXX on XX/XX/2023 and mailed on XX/XX/2023 to XXXX XXXX for the full balance on the account, as well as my other creditors who have all since posted my payments with the exception of XXXX XXXX. XXXX XXXX sent me a message through my account portal on XX/XX/2023 ( prior to my XX/XX/XXXX due date ) confirming receipt of the check and advising me they were rerouting my payment to another location. To date, my payment has not been posted and XXXX can not locate my check. They have also falsely reported me as being behind in payments to the credit bureaus and my credit score dropped XXXX points due to the false report. I have messaged the company several times for an update with no response. No one can find my payment. I placed a call to XXXX on Wednesday XX/XX/XXXX when I found out I had been reported to the credit bureaus. The representative told me there was nothing he could do and refused to transfer me to a supervisor. He stated a supervisor would call me back and to date I still have not received a call. I disputed the reports to the credit bureaus immediately. I have had XXXX XXXX XXXX stop payment on the check on XX/XX/2023 and reissue it to pay the account online. I paid the past due balance on XX/XX/2023 out of my own funds in an attempt to get the negative mark removed from my credit report. This should never have been reported and my credit is now being affected. On XX/XX/2023 I paid the entire account in full. On XX/XX/2023 XXXX XXXX reported me to the credit bureaus as being late for the months of XXXX and XXXX and that I still owe the entire balance that has been paid and has cleared my checking account. I have filed a XXXX complaint as well, which XXXX XXXX has ignored. I have never been late on my payments to XXXX XXXX and feel this is retaliation for my constant calls and emails to clear this situation up.

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 2022-07-12
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a XXXX for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX, XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX XX/XX/XXXX ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$7500.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$650.00} ; XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$6600.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$510.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$720.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$860.00}

Company response to consumer: Closed with explanation